A moratorium commences on the effective date for a debt relief order in relation to each qualifying debt specified in the order ("a specified qualifying debt").
During the moratorium, the creditor to whom a specified qualifying debt is owed—
except with the permission of the court and on such terms as the court may impose.
If on the effective date a creditor to whom a specified qualifying debt is owed has any such petition, action or other proceeding as mentioned in subsection (2)(b) pending in any court, the court may—
In subsection (2)(a) and (b) references to the debt include a reference to any interest, penalty or other sum that becomes payable in relation to that debt after the application date.
Nothing in this section affects the right of a secured creditor of the debtor to enforce his security.