40. Eff ect of a Debt Protection Moratorium Order

shall not have any remedy in respect of the debt;

shall not take any actions to-Rescue, Rehabilitation and Insolvency

require a debtor to pay interest that accrues on an included debt during a moratorium period;

require a debtor to pay fees, penalties or charges in relation to an included debt that accrue during a moratorium period;

require an accelerated payment by the debtor to the creditor;

treat the non-payment during the moratorium period by the debtor of interest, fees, penalties or charges as a default or breach by the debtor under the agreement between the creditor and the debtor;

report to the Credit Reference Information

contact a debtor regarding payment of an included debt, otherwise than at the request of the debtor;

initiate or continue any legal proceedings against the debtor in relation to an included debt;

collect, secure, recover or demand payment of an included debt;

execute or enforce a judgment or an order of a court or tribunal against the debtor;

obtain a warrant;

recover goods in the possession of the debtor;

enforce security held in respect of an included debt;

obtain possession of a premises in which the debtor is residing under a tenancy agreement into which the debtor has entered with a relevant creditor;

take any of the actions in this subsection against another person who is jointly liable with the debtor to whom the Moratorium relates;

take any of the actions in this subsection against another person who has guaranteed the debts of the debtor to whom the

take possession of, or otherwise recover, any goods of the type specified in section 34 that are used by or in the possession of the debtor, where the creditor is the owner or lessor of the goods;

instruct an agent to take any of the actions mentioned in sub-paragraphs (i), (ii), (iii), (iv), (v), (vi), (vii), (viii), (ix), (x), (xi), (xii), (xiii), (xiv), (xv) or (xvi).

it is reasonable, due to exceptional circumstances, to allow the creditor to take action; and

the action may not -

cause undue detriment to the debtor to whom the Moratorium relates;

unfairly prejudice any other creditor; or

significantly undermine the protections of the moratorium.

an execution against movable or immovable property is completed by seizure, or the entry into possession of a receiver or appointee or a person charged with execution, and a completed sale; and

an attachment of a debt is completed by satisfaction of the debt.

treat the non-payment during the moratorium period by the insolvent individual of interest, fees, penalties or charges as a default or breach

record in the Credit Reference Information

require a debtor to pay fees, penalties, charges, or accelerated payments referred to in sub-paragraph (ii) or (iii) of paragraph (b) of subsection (2) that accrued during the moratorium period.