Breathing Space Show & Tell - Creditors June 2020 Breathing - - PowerPoint PPT Presentation

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Breathing Space Show & Tell - Creditors June 2020 Breathing - - PowerPoint PPT Presentation

Apr 01, 2023 125 likes •237 views

Breathing Space Breathing Space Show & Tell - Creditors June 2020 Breathing Space Agenda Introduction & overview of project progress Roles and Responsibilities & Mandatory Fields Prototype Demonstration Plan for

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Breathing Space

Breathing Space Show & Tell - Creditors

June 2020

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Breathing Space

Agenda

  • Introduction & overview of project progress
  • Roles and Responsibilities & Mandatory Fields
  • Prototype Demonstration
  • Plan for next phase of the project
  • Next Steps & Questions
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Breathing Space

Introduction - What is Breathing Space?

It’s a scheme offering formal protection for individuals who have problem debt, backed by government

  • legislation. It means:
  • A 60 day period of protection for individuals
  • Longer protection for individuals in mental health crisis treatment
  • Creditors must pause enforcement action
  • Creditor contact relating to repayment of debt must stop
  • Interest and default fees & charges are frozen
  • Protections dependent on the individual continuing to engage

with debt advice

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Breathing Space

Forecast Volumes

Year

2021-22 2022-23 2023-24 2024-25 2025-26 2026-27 2027-28 2028-29 2029-30 2030-31

Applications 708,000 792,000 837,000 883,000 932,000 983,000 1,037000 1,094000 1,153000 1,216000

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Breathing Space

Where are we now?

June 2019 to Dec 2019 Jan 2020 To May 2020 June 2020 to May 2021

Discovery Alpha Beta

  • Understand our users
  • Understand our constraints
  • Discovery report
  • Understand our biggest problems
  • Setup technical working groups
  • GDS standards assessment - 14/5
  • Onboard suppliers
  • Test with working groups
  • Private BETA - MVP
  • GDS private BETA assessment
  • Public BETA
  • Onboard Creditors / Money Advisers
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Breathing Space

Roles & Responsibilities

Money Adviser

  • Gather information from the individual
  • Determine eligibility
  • Verify personal details
  • Obtain & verify details of liabilities
  • Determine that Breathing Space is

appropriate

  • Maintain contact with the individual in debt
  • Liaise with creditors when necessary
  • Escalate continued non-compliance by

creditor

Insolvency Service

  • Provide the IT service that money

advisers will use to submit applications

  • Manage access to the IT service for

money advisers and creditors

  • Produce and maintain guidance for

stakeholders

  • Issue notifications when Breathing Space

starts and finishes

  • Report non-compliance to regulator
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Breathing Space

Clients full name: This is likely to be in a First/Middle/last name basis format. Clients D.O.B: This is likely to follow ISO8601 standard Clients most recent address: We will validate against a postcode checker but MA responsible for validating address entered belongs to the client Business trading name if applicable: Any validation would be a Money Adviser responsibility At least one creditor: MA adviser is responsible for confirming the creditor with the client.

Mandatory fields Non mandatory fields

Debt amount: Encouraged but no requirement to collect this information but will be in format £0.00p Debt reference identifier: Encouraged but no requirement to collect this information Additional reference numbers: No requirement to collect this information Previous names: Should be recorded if relevant Previous addresses: Encouraged but no requirement to collect this information

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Breathing Space

Prototype Demo

June 2020

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Provision of user / systems access for MA/ Creditors (MVP only)

Road Map - Private BETA - June 2020 to March 2021

Development Design and User Research July 20 August 20 September 20 October 20 November 20 December 20 January 21 February 21 March 21

Increment 1 Increment 2 Increment 3

Enter a client into a standard Breathing Space Enter a client into a mental health Breathing Space Creditor notifications (Only) Review Process Debtor Change of Circumstances End of a Breathing Space Money Adviser notifications Money Adviser onboarding Creditor onboarding Debtor - Change of Circumstances Onboarding - Process & Implementation (Money Advice, Creditor and Insolvency view) Notifications (Content) Consent Guidance Test current prototype with assistive tech users (accessibility) Ongoing testing of the service including accessibility

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Breathing Space

Future Engagements

As we progress continuous engagement with other government departments and creditors will play a key role in preparing for Breathing Space go-live. As such we are proposing the following engagements into Private and Public BETA. Creditor technical working group

  • The technical working group will be meeting every 4 weeks. Please let us know if you would like to

be involved. Dedicated enquiry channel

  • In order for us to collate and manage enquiries outside of the working groups you can submit

questions to breathingspaceproject@insolvency.gov.uk

  • Technical working group slack channel

Show and Tell

  • We will aim to give an update on our progress in this format every 6-8 weeks