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Changes to earnings arrestment deductions & Protected Minimum Balance (PMB)

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Changes to earnings arrestment deductions & Protected Minimum Balance (PMB)

   5 February 2013

The Debtor Scotland Act 1987, Schedule 2, sets out the amount that can be deducted from a debtor’s wages in an earnings arrestment. An earnings arrestment is when a debtor’s employer receives an instruction to deduct an amount from an employee’s wages and pays it direct to their creditors. Ministers gave an undertaking to review the tables approximately every 3 years.
 
A review was carried out in 2012 and as a result, the deduction tables will be amended with effect from 6 April 2013 by The Diligence against Earnings (Variation) (Scotland) Regulations 2012.
 
This change also alters the Protected Minimum Balance (PMB) in bank arrestments. The PMB sets out a minimum amount which is protected from arrestment and provides important protection for those who may have their bank account arrested. The PMB will increase from £415 to £460.06.
 
Further information will be posted about the changes to diligence against earnings before they come into force on 6 April 2013.