keep The Taking Control of Goods (Miscellaneous Amendments) Regulations 2026
These Regulations amend the Taking Control of Goods Regulations 2013 and related Fees Regulations 2014. Key changes include: increasing the minimum notice period from 7 to 14 clear days before enforcement; creating a 28-day extension when a debt advice provider requests it on behalf of a debtor (except for non-eligible business debt); adding notice requirements about free debt advice availability; updating fee structures and thresholds; and requiring enforcement agents to give debtors another opportunity to pay before proceeding to second enforcement stages.
While increased procedural requirements and extended notice periods impose costs on efficient debt enforcement, the 28-day extension and debt advice requirements exist specifically to protect vulnerable debtors in crisis situations. The Mental Health Crisis Moratorium provisions represent a humanitarian safeguard that cannot be easily replicated through market mechanisms. Removing these protections would leave debtors facing enforcement without access to free advice or time to seek alternatives, potentially causing severe personal hardship that outweighs the efficiency costs of the procedural safeguards.