DAS (Scotland only)

Reduces unsecured debt repayments and protects against action from lenders

The Debt Arrangement Scheme could help you:

  • Make your monthly payments affordable
  • Reduce or freeze interest and charges
  • Stop letters and calls from lenders

Do You Qualify For DAS?

Call 0800 970 7673

Fees & Key information

Find out more about the fees involved with each debt solution.

Find out if you qualify for DAS

Tell us about your situation

Tell us about you

Useful free guides

Download the Insolvency Service guide to dealing with lenders.

Download the information package from Scotland’s Insolvency Service.

DAS callback

Complete this simple form and an adviser will get straight back to you

We will treat your call in the strictest confidence and you will only be asked to supply information required to find the best solution to your debts.

Need debt advice?

Call 0800 970 7673or fill in our simple form to receive a free no obligation call back from a friendly, experienced adviser.

How the Debt Arrangement Scheme works

Reduces unsecured debt repayments to an affordable level

The idea of the Debt Arrangement Scheme is that it makes your debts affordable again. Our partners can help you to put together a Debt Payment Programme (DPP), which is basically a new plan for repaying your debts in manageable monthly payments.

You'll only pay as much as you can afford each month, after you've taken care of your other living costs - our partners will help you to work out a budget to make sure everything's covered.

Freezes interest and charges on your debts

While your Debt Payment Programme is in place, all interest and charges on included debts will be frozen. That means your debts can't get any bigger, so more of each payment you make is going towards clearing the debt itself.

Let experts deal with your lenders

Negotiating with lenders can be difficult, but you don't have to do it yourself. Our partners have many years' experience of coming to successful agreements with creditors, so rest assured you're in safe hands - they'll help you put together your DPP and ask your lenders to vote for or against it.

In some cases, the Accountant in Bankruptcy (who is the DAS Administrator) can approve your case even if your lenders have declined your application.

Apply for a DAS Debt Payment Programme

Applying for DAS is easy through Debt Advice Now. All you have to do is call 0800 970 7673 and a friendly debt adviser will help get you started.

Alternatively, you can fill in the form at the top of this page and they'll get back to you soon.

Things to consider

Remember, the Debt Arrangement Scheme is only an option for people who can't afford their existing debt repayments. Your lenders will only agree to reduced debt repayments if they can see that this is the case. But you must still be able to commit to regular monthly payments, and you must be able to repay your unsecured debts in full within a reasonable period of time - even though making smaller payments each month means it can take longer.

You should also be aware of the consequences. Making reduced repayments towards your debts will have an impact on your credit rating, which will make obtaining further credit a lot more difficult in the future.

But if you're really struggling, this may be a worthwhile price to pay. And keep in mind that not getting the help you need with your debts could have more serious consequences in the long run.