DMBM800510 - Time To Pay: considering Time To Pay requests: when can we consider Time To Pay requests?
Time to Pay (TTP) requests can generally be considered at any stage of the debt management process but there may be special considerations if we have started enforcement proceedings.
Requests made before the due date
We can also consider requests in advance of the due date. However when dealing with requests for TTP in advance we must be able to establish that the customer can’t pay. We will generally only deal with advance requests when the customer is contacting us after the accounting period has ended. Where the accounting period has not ended it is very unlikely that the customer will be able to demonstrate that they will be unable to make payment in full when it is due and we would generally expect the customer to fully explore other options before we can deal with their request.
Requests made during enforcement proceedings
Where distraint has actually been levied TTP should not be considered. Where TTP is requested during a distraint call but prior to levy, you should follow the guidance at DMBM655820.
Once the court summons has been issued, you should follow the TTP guidance in this chapter together with the guidance at DMBM660470.
County court proceedings
Once the N1 claim form has been issued, you should follow the TTP guidance in this chapter together with the guidance at