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Debt Arrangement Scheme

If you’re a Scottish resident looking for help with debts, a Debt Arrangement Scheme (DAS) may be the solution for you. With a DAS, you can freeze interest and spread the cost of repayments over a longer period, making it affordable for you. Get in touch today.

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here
You can find. Government guidance on dealing with your creditors here.

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What is a Debt Arrangement Scheme (DAS)?

A Debt Arrangement Scheme (DAS) is a government-run debt management tool for Scottish residents, that allows you to repay your debts through a debt payment programme (DPP).

Similar to a debt management plan, a DPP in Scotland allows you to pay off your debts in full over a reasonable period of time. All interest, fees and charges on the debt will be frozen. You’ll also be protected from any legal action by your creditors to recover what you owe them.

Please be aware that lenders are not obliged to accept less than contractual, payments or to freeze interest and charges. This may result in an increase in the total, amount repayable and may affect your credit rating.

Pros & Cons of a Debt arrangement scheme (DAS)

Advantages of a Debt arrangement scheme (DAS)

  • A DAS offers you legal protection from your included creditors
  • Your assets are generally not included in a DAS
  • Interest and charges on included debts will be frozen
  • Creditors cannot legally chase for additional payments
  • The payments you make into a DAS are based on your income and expenditure, so should always be affordable to you

Disadvantages of a Debt arrangement scheme (DAS)

  • You must go through a money adviser to get a DAS
  • You must pay a monthly fee to your Payment Distributor
  • Your credit file will be affected for 6 years and your ability to obtain credit may be limited
  • You can only make one application a year, so if your DAS application is rejected you will have to find an alternative solution or wait 12 months before reapplying.
  • Some money advisers may charge a setup fee. 10% of your monthly payments are also taken as fees – 8% by your chosen payments distributor and 2% by the Accountant in Bankruptcy

Other debt options

Debt plans

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