April 2020 e-bulletin update from the Shelter Specialist Debt Advice Service.
- Clarity provided by the DRO team on reporting changes directly related to
- Individual Voluntary Arrangements (IVAs) to be treated flexibly during COVID-19
- New rules published for enforcement agents
- High Court Enforcement Officers Association (HCEOA) supports government
guidance to suspend visits
- Civil Procedure Rules (CPR) 120th Practice Direction amendment
- FCA brought in new measures for assistance with credit products
- FCA’s further measures to help motor finance and high cost credit customers
- FCA’s 2020/21 Business Plan reshaped by COVID-19
- Credit reference agencies agree that payment holiday will not harm credit score
- Child Maintenance Service (CMS) freezes collection action for those affected by the COVID-19 pandemic
- Money Advice Liaison Group (MALG) publishes new creditor contacts list
- Councils to receive extra funding to assist with the impact of Coronavirus
- £500 million Hardship Fund available for discretionary support and council tax relief
- Public Health England (PHE) launches online platform to support mental wellbeing
News and legal updates
- CPAG Debt Advice Handbook 13th edition now hosted on AskCPAG
- DRO News Special Bulletin – 7 April 2020 and 22 April 2020
- DRO News Special Bulletin – 28 April 2020
- Ombudsman News Issue 151
Enquiry of the month
In this month’s featured enquiry the adviser wanted to know whether the client was liable for the council tax for the period of time after the tenant moved out, but where the client had already been made bankrupt in 2016.
Case law and important decisions
This month’s edition highlights the following developments in case law:
- High Court is to hear five-week trial remotely after dismissing application to adjourn
In the case of Re One Blackfriars Ltd (in liquidation)  EWHC 845 (Ch), the High Court dismissed the claimant’s application to have the trial adjourned due to the Coronavirus pandemic. If the trial had been adjourned, the trial would have taken place in June 2021.
- Unfair Relationship PPI claims and Limitation Act defences
In the case of Canada Square Operations Ltd v Potter  EWHC 672 (QB), the court held to consider whether the failure to disclose the commission on Payment Protection Insurance (PPI) justified the limitation period being postponed until the customer had discovered or ought to have discovered the commission.
This month’s Spotlight article provides guidance on vehicle ownership with a focus on DRO applications.
Download the Shelter e-bulletin April 2020