Find answers to frequently asked questions about DAS

Under the Debt Arrangement Scheme you could:

  • Afford your debts again
  • Stop interest and charges
  • Prevent your lenders from taking further action

Have any questions?

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

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.

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.

What is the Debt Arrangement Scheme?

It's an informal repayment plan for people who can no longer afford all their debt repayments. It works by reducing your unsecured debt repayments to a manageable level, leaving you with enough money to cover all your secured debts (e.g. your mortgage) and other essential costs like bills.

Who is eligible for a DAS Debt Payment Programme?

DAS is only available to Scottish residents. It's also only available to those who genuinely can't afford to make their existing debt repayments, but who can commit to (reduced) monthly payments. You must also be able to repay your unsecured debts in full within a reasonable time.

Even if you are eligible, your lenders aren't obliged to accept your application, although it's quite likely they'll do so if it's clear you can't afford to repay your unsecured debts any other way. And sometimes the Accountant in Bankruptcy (the DAS Administrator) will approve your case even if it's been rejected by your lenders.

How long will it take?

Your Debt Payment Programme can last as long as it takes for you to repay your unsecured debts, within reasonable limits - there's no fixed timeframe. However, if your circumstances improve enough for you to resume making full repayments again, the DPP may end at that point.

How can I get started?

DAS is a formal scheme, which means you'll have to get help from an approved Money Adviser to arrange your Debt Payment Programme.

They can help to arrange your Debt Payment Programme from start to finish. They'll start by explaining what's involved, and then if we feel it's the right option for you, we'll talk to your lenders on your behalf to arrange a new affordable repayment plan. They'll also be here throughout your DPP to provide support and answer any questions you may have.

How much will my monthly payments be?

It all depends on how much you can afford. Monthly payments are based on what's left of your income after you've covered your bills and other essential living costs. Please note that your first payment will cover the costs involved in setting up your DPP - but your lenders will receive money from all subsequent payments.

Your monthly payments may change over time, as and when your available income changes (i.e. if you receive a pay rise, or if your income falls). The idea is that you pay off your debts as fast as you can, while ensuring your other commitments are taken care of.

Will DAS stop demands from lenders?

The Debt Arrangement Scheme is a formal scheme that, once in place, prevents your lenders from taking any further action against you. We can't guarantee that you'll never hear anything from them, but rest assured that you won't have to make any payments other than those set out in your DPP. As long as you keep up with your payments, you'll be safe.

What's the difference between DAS and a debt management plan?

They work in a very similar way, but DAS is legally binding once it's in place - meaning you're protected, as long as you keep up with your payments.

A debt management plan is an informal arrangement, which means your lenders could stop the agreement at any point (although this is uncommon without very good reason).

What are the disadvantages of DAS?

Because you won't be making the repayments you originally agreed, your credit rating will be affected for up to six years, which could make getting credit more difficult in that time.

Your details will also be recorded on the DAS register once you apply for a Debt Arrangement Scheme, which could affect your ability to get credit.

However, all debt solutions have their downsides, and failing to get the help you need could have much more serious consequences.