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Debt Arrangement Scheme (DAS)

Debt Arrangement Scheme is a debt repayment scheme that sets up an affordable payment plan

In a nutshell, The Debt Arrangement Scheme (DAS Scheme) is a debt assistance tool managed by the Scotland Government. A debt payment programme (DPP) acts as an official tool to allow you to repay your debts over a reasonable time frame, in affordable repayment amounts.

In the first instance, your creditors will need to agree to the repayment proposal. If they don’t agree, however, the DAS Administrator may still approve your DPP if they deem the proposal both fair and reasonable.

What debt problems is debt Arrangement Scheme debt help suitable for?

A DAS Scheme might be the best debt help for you if:

  • You live in Scotland
  • Your income equals or outstrips your expenses
  • You have one or more creditor

Our debt expert’s opinion on the pros and cons of DAS Scheme…

Advantages of Debt Arrangement Scheme (DAS Scheme)

  • If your debt problems mean that you’re struggling month on month to buy essentials such as food and pay bills, a DPP can be a huge relief.

Disadvantages of Debt Arrangement Scheme (DAS Scheme)

  • A set percentage of your payments will go towards admin fees (this will be 8% and 2%).
  • You’ll be placed on a publicly accessible online register (which may not be ideal if you don’t want people to know about your debt problems).

Worried about debts that won't go away?

FAQs – Debt Arrangement Scheme

  • What if my circumstances change?

If your financial circumstances change during your Debt Payment Programme (DPP) you should contact your DAS-approved Money Advisor to discuss the issues you’re facing. They’ll ask questions to explore whether your DAS Scheme can continue, or whether you may be eligible for a payment break.

  • Can I pay my DAS off early?

If for whatever reason, you receive a lump sum of money during your DAS Scheme, you’re free to end your DPP early by making a large payment to clear the balance.

  • Can homeowners apply with Debt Arrangement Scheme?

Yes, however, you should take care to ensure that your mortgage remains up-to-date with its payments, as well as any debts that are secured against your home, as DAS Scheme only covers your unsecured debts.

  • How will the Debt Arrangement Scheme impact my credit rating?

You DPP will be listed on your credit history for six years. During this period of time, if you apply for credit, the lender will be able to see the DPP. This means that lenders are more likely to reject your application or, if you are accepted, you’ll likely pay higher interest rates.

  • How much does the Debt Arrangement Scheme cost?

While some companies will charge a fee for setting up a DPP, others offer a free service.
Once your DPP is set up, 10% of your monthly payments are removed for fees which cover the administrative cost of managing the DPP. However this 10% is covered by your creditors, meaning that you won’t end up paying more on the debts that you owe.

  • Are payment breaks available with Debt Arrangement Scheme?

Yes, but only in exceptional circumstances (your disposable income must have decreased by a minimum of 50% to be eligible).
If you are found to be eligible, a payment break of up to six months may be offered.

  • How long will my DPP last?

Unlike other debt solutions, there are no set durations. You simply continue to make payments until your unsecured debts have been repaid. However, your end date will be confirmed prior to your DPP being set up.