Regulation 37 Grounds for variationI1

on agreement between a debtor and each creditor participating in the programme;

on agreement between a debtor and a creditor that a liability of the debtor to repay a sum is to be discharged;

so interest, fees, penalties and other charges are not payable as provided for in regulations under section 7A of the Act;

on a material change in the circumstances of a debtor;

where a debt due at the date of approval of that programme was omitted from, or was wrongly assessed for the programme due to a mistake, oversight, or other reasonable cause;

under regulation 36A where liability of a debtor is discharged by a creditor applying compensation;

in the case of a debtor who is an individual, under regulation 36B for administrative purposes or to reduce the period of the debt payment programme;

where a future or contingent debt, known but not quantifiable at the date of approval of the programme, is quantified and due for payment;

where a debtor requires credit to meet an essential requirement; F3...

F4in the case of a debtor who is an individual, where a debtor wishes to defer payments for a period F5not exceeding 6 months, with the period of the debt payment programme extended for F6a period equal to the period of deferment, where circumstances specified in paragraph (3) have resulted in a reduction in the debtor’s disposable income of 50% or more F7; and

in the case of a debtor which is a legal person, trust or unincorporated body of persons, where a debtor wishes to defer payments for a period not exceeding 6 months, with the period of the debt payment programme extended (subject to regulation 27(2)(l)(iii)) for a period equal to the period of deferment.

a period of unemployment or change in employment;

a period of leave from employment for maternity, paternity, adoption or to care for a dependant;

a period of illness F8...;

divorce, dissolution of civil partnership or separation from a person to whom the debtor is married or the civil partner F9, or with whom the debtor is living together as if spouses or civil partners of each other;

death of a person with whom the debtor shared care (financial responsibilities or otherwise);

a reduction in social security benefits or tax credits (or both).