Section 13HD(3)

For the purposes of this Part— a liability in tort is a “pre-moratorium debt” if either— the cause of action has accrued before the moratorium comes into force, or all the elements necessary to establish the cause of action exist before the moratorium comes into force except for actionable damage; a liability in tort is a “moratorium debt” if it does not fall within sub-paragraph (a) and either— the cause of action has accrued during the moratorium, or all the elements necessary to establish the cause of action exist before the moratorium comes to an end except for actionable damage.

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Source: legislation.gov.uk · retrieved 2026-09-04