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You can only access the scheme if you were living in a launch area on the day that launch area commenced or if you meet what are called 'qualifying residency' requirements. With both CPI and RPI inflation at historically low levels, this has yet to feed through into upward pressure on pay awards or earnings. How we can help Debts that are included Excluded debts Hire purchase and conditional sale What if my debts are near the ??20,000 limit.