Regulation 22 Consent of every creditor
Subject to paragraph (3), each creditor of a debtor must consent to an application by the debtor for approval of a debt payment programme.
A request to a creditor for consent shall be in form 4, and if posted shall be sent to the creditor by first class recorded delivery post.
A creditor who is requested to consent to an application, and who does not respond to that request within 21 days after the date of intimation (which shall be the date of posting, if applicable) is deemed to consent.
The DAS administrator may dispense with the consent of a creditor where–
the amount due by a debtor to the creditor is 50% or less of the total debt included in a programme; and
the amount due to all creditors who refuse to consent does not exceed 60% of the total debt included in a programme.
Where a creditor does not consent to an application under paragraph (1), and that consent is not deemed as given or dispensed with, the approval of a debt payment programme under regulations 25, 26 or 27 shall not be invalid by reason only of the lack of consent provided that the debtor did not know, and could not reasonably have known, the identity of the creditor.