s 109 Debt management schemes
(1) A debt management scheme is a scheme that meets the conditions in this section. (2) The scheme must be open to some or all non-business debtors. (3) A scheme is open to a non-business debtor if it allows him to make a request to the scheme operator for a debt repayment plan to be arranged for him. (4) The scheme must provide that, if such a request is made— (a) a decision must be made about whether a debt repayment plan is to be arranged for the non-business debtor, and (b) such a plan must be arranged (if that is the decision made). (5) The scheme must be operated by a body of persons (whether a body corporate or not).