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Lle i anadlu – cynllun seibiant dyledion | Breathing Space – debt respite scheme

Lle i Anadlu – cynllun seibiant dyledion

Mae Llywodraeth y DU wedi lansio proses newydd i ymdrin ag adfer dyledion heddiw (4 Mai 2021).

Mae Lle i Anadlu, neu’n swyddogol, y Cynllun Seibiant Dyledion, yn rhoi hawl i rywun sydd â phroblem dyledion gael diogeliad cyfreithiol rhag eu credydwyr.

Mae dau fath o le i anadlu: lle i anadlu safonol, a lle i anadlu yn achos argyfwng iechyd meddwl.

Mae lle i anadlu safonol ar gael i unrhyw un â dyled sy’n broblem. Mae’n rhoi diogeliad cyfreithiol iddo rhag camau gweithredu credydwyr am hyd at 60 o ddyddiau. Mae’r diogeliadau’n cynnwys atal y rhan fwyaf o gamau gorfodi, a’r cyswllt  â chredydwyr a rhewi’r rhan fwyaf o daliadau llog a ffioedd ar y dyledion.

Nid yw lle i anadlu yn achos argyfwng iechyd meddwl ar gael ond i gleient sy’n derbyn triniaeth am argyfwng iechyd meddwl. Os yw Gweithiwr Proffesiynol Cymeradwy ym maes Iechyd Meddwl (AMHP) yn ardystio bod cleient yn derbyn triniaeth argyfwng iechyd meddwl, efallai y bydd y cleient neu rywun arall yn gofyn i chi am le i anadlu yn achos argyfwng iechyd meddwl ar ran y cleient. Mae gan lle i anadlu yn achos argyfwng iechyd meddwl ddiogeliadau cryfach na’r lle i anadlu safonol. Mae’n para am yr un cyfnod â thriniaeth argyfwng iechyd meddwl y cleient,  a 30 diwrnod ychwanegol (pa mor hir bynnag y bydd y driniaeth am yr argyfwng yn para).

Bydd angen i gwsmeriaid wneud cais am Le i Anadlu trwy asiantaeth cyngor ar ddyledion. Yna bydd y Gwasanaeth Ansolfedd yn hysbysu ein tîm adfer fod Lle i Anadlu ar waith.

Yna bydd meysydd Gwasanaeth sydd â chyfrifoldeb i adfer eu dyled eu hunain yn cael eu hysbysu bod cwsmer yn derbyn lle i anadlu.

Os dywedir wrthym bod dyled sy’n ddyledus i’r Cyngor mewn Lle i Anadlu, rhaid i ni atal yr holl gamau gweithredu a'r cyswllt sy’n gysylltiedig â’r ddyled a defnyddio’r diogeliadau. Rhaid i’r diogeliadau barhau i fod ar waith nes bod y Lle i Anabl  yn dod i ben.

Os na fyddwn yn atal y camau i adennill y ddyled, bydd y cwsmer yn dioddef colled ariannol, a bydd y Cyngor yn atebol i ad-dalu’r cwsmer yn unol â hynny.

I gael rhagor o fanylion: https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors

I gael rhagor o gyngor, cysylltwch â David Thomas, Uwch Swyddog Adennill Dyledion david.thomas(at)powys.gov.uk neu Martyn Harding, Rheolwr Incwm a Gwariant martyn.harding(at)powys.gov.uk.

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Breathing Space – debt respite scheme

A new process around debt recovery has been launched by the UK Government today (4 May 2021).

Breathing Space, officially called the Debt Respite Scheme, gives someone in problem debt the right to legal protections from their creditors.

There are two types of breathing space: a standard breathing space and a mental health crisis breathing space.

A standard breathing space is available to anyone with problem debt. It gives them legal protections from creditor action for up to 60 days. The protections include pausing most enforcement action and contact from creditors and freezing most interest and charges on their debts.

A mental health crisis breathing space is only available to a client who is receiving mental health crisis treatment. If an Approved Mental Health Professional (AMHP) certifies a client is in mental health crisis treatment, the client or someone else might ask you for a mental health crisis breathing space on the client's behalf. The mental health crisis breathing space has some stronger protections than the standard breathing space. It lasts as long as the client's mental health crisis treatment, plus 30 days (no matter how long the crisis treatment lasts).

Customers will need to request a Breathing Space via a debt advice agency. The Insolvency Service will then notify our recovery team that a Breathing Space is in place.

Service areas who have a responsibility to recover their own debt will then be notified that a customer is in breathing space.

If we are advised that a debt owed to the Council is in a Breathing Space, we must stop all action and contact related to that debt and apply the protections. These protections must stay in place until the Breathing Space ends.

If we do not stop recovery action and the customer suffers financial loss, the Council will be liable to reimburse the customer accordingly.

For more details: https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors

For further advice contact David Thomas, Senior Recovery Officer david.thomas(at)powys.gov.uk or Martyn Harding, Income and Awards Manager martyn.harding(at)powys.gov.uk.

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Lle i anadlu – cynllun seibiant dyledion | Breathing Space – debt respite scheme

Lle i Anadlu – cynllun seibiant dyledion

Mae Llywodraeth y DU wedi lansio proses newydd i ymdrin ag adfer dyledion heddiw (4 Mai 2021).

Mae Lle i Anadlu, neu’n swyddogol, y Cynllun Seibiant Dyledion, yn rhoi hawl i rywun sydd â phroblem dyledion gael diogeliad cyfreithiol rhag eu credydwyr.

Mae dau fath o le i anadlu: lle i anadlu safonol, a lle i anadlu yn achos argyfwng iechyd meddwl.

Mae lle i anadlu safonol ar gael i unrhyw un â dyled sy’n broblem. Mae’n rhoi diogeliad cyfreithiol iddo rhag camau gweithredu credydwyr am hyd at 60 o ddyddiau. Mae’r diogeliadau’n cynnwys atal y rhan fwyaf o gamau gorfodi, a’r cyswllt  â chredydwyr a rhewi’r rhan fwyaf o daliadau llog a ffioedd ar y dyledion.

Nid yw lle i anadlu yn achos argyfwng iechyd meddwl ar gael ond i gleient sy’n derbyn triniaeth am argyfwng iechyd meddwl. Os yw Gweithiwr Proffesiynol Cymeradwy ym maes Iechyd Meddwl (AMHP) yn ardystio bod cleient yn derbyn triniaeth argyfwng iechyd meddwl, efallai y bydd y cleient neu rywun arall yn gofyn i chi am le i anadlu yn achos argyfwng iechyd meddwl ar ran y cleient. Mae gan lle i anadlu yn achos argyfwng iechyd meddwl ddiogeliadau cryfach na’r lle i anadlu safonol. Mae’n para am yr un cyfnod â thriniaeth argyfwng iechyd meddwl y cleient,  a 30 diwrnod ychwanegol (pa mor hir bynnag y bydd y driniaeth am yr argyfwng yn para).

Bydd angen i gwsmeriaid wneud cais am Le i Anadlu trwy asiantaeth cyngor ar ddyledion. Yna bydd y Gwasanaeth Ansolfedd yn hysbysu ein tîm adfer fod Lle i Anadlu ar waith.

Yna bydd meysydd Gwasanaeth sydd â chyfrifoldeb i adfer eu dyled eu hunain yn cael eu hysbysu bod cwsmer yn derbyn lle i anadlu.

Os dywedir wrthym bod dyled sy’n ddyledus i’r Cyngor mewn Lle i Anadlu, rhaid i ni atal yr holl gamau gweithredu a'r cyswllt sy’n gysylltiedig â’r ddyled a defnyddio’r diogeliadau. Rhaid i’r diogeliadau barhau i fod ar waith nes bod y Lle i Anabl  yn dod i ben.

Os na fyddwn yn atal y camau i adennill y ddyled, bydd y cwsmer yn dioddef colled ariannol, a bydd y Cyngor yn atebol i ad-dalu’r cwsmer yn unol â hynny.

I gael rhagor o fanylion: https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors

I gael rhagor o gyngor, cysylltwch â David Thomas, Uwch Swyddog Adennill Dyledion david.thomas(at)powys.gov.uk neu Martyn Harding, Rheolwr Incwm a Gwariant martyn.harding(at)powys.gov.uk.

*************************************************

Breathing Space – debt respite scheme

A new process around debt recovery has been launched by the UK Government today (4 May 2021).

Breathing Space, officially called the Debt Respite Scheme, gives someone in problem debt the right to legal protections from their creditors.

There are two types of breathing space: a standard breathing space and a mental health crisis breathing space.

A standard breathing space is available to anyone with problem debt. It gives them legal protections from creditor action for up to 60 days. The protections include pausing most enforcement action and contact from creditors and freezing most interest and charges on their debts.

A mental health crisis breathing space is only available to a client who is receiving mental health crisis treatment. If an Approved Mental Health Professional (AMHP) certifies a client is in mental health crisis treatment, the client or someone else might ask you for a mental health crisis breathing space on the client's behalf. The mental health crisis breathing space has some stronger protections than the standard breathing space. It lasts as long as the client's mental health crisis treatment, plus 30 days (no matter how long the crisis treatment lasts).

Customers will need to request a Breathing Space via a debt advice agency. The Insolvency Service will then notify our recovery team that a Breathing Space is in place.

Service areas who have a responsibility to recover their own debt will then be notified that a customer is in breathing space.

If we are advised that a debt owed to the Council is in a Breathing Space, we must stop all action and contact related to that debt and apply the protections. These protections must stay in place until the Breathing Space ends.

If we do not stop recovery action and the customer suffers financial loss, the Council will be liable to reimburse the customer accordingly.

For more details: https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors

For further advice contact David Thomas, Senior Recovery Officer david.thomas(at)powys.gov.uk or Martyn Harding, Income and Awards Manager martyn.harding(at)powys.gov.uk.