Refusing a request for a deferred payment agreement

14.1    The council will decline any application for a deferred payment agreement when:  

• the adult or their representative has failed to provide the information required to process the application or 
  
  
• eligibility criteria are not met or 
  
  
• adequate security cannot be provided or 
  
  
• a deferred payment has been requested for an adult lacking the requisite mental capacity to enter into a deferred payment agreement where the person has no registered Power of Attorney and no Court appointed deputy

14.2    The council may refuse a deferred payment agreement despite someone meeting the qualifying criteria: 

• The property is unregistered 
  
  
• Where the council is unable to secure a legal mortgage by way of a first legal charge over the property or the property is uninsurable  
  
  
• Where given all of the circumstances the amount requested is unsustainable  
  
  
• Where the adult does not agree to all of the terms and conditions of the deferred payment agreement, for example to maintain and insure the property throughout the duration of the agreement  

14.3    When an application for a deferred payment agreement is declined, the council will provide the adult or their representative with its written reasons for refusing the request. Information about the right to appeal the council’s decision will also be provided.