Debt Arrangement Scheme (DAS) FAQs

  1. What is DAS?
  2. Do I qualify for DAS?
  3. What is a DAS DPP?
  4. How long does a DPP last?
  5. Will DAS freeze my interest?
  6. Will I lose my house if I enter DAS?
  7. Would I still have to deal with my lenders?
  8. What if my circumstances changed during my DPP?
  9. How do I apply for DAS?
  10. Who's involved in the Debt Arrangement Scheme?
  11. What if DAS isn't right for me?

If you live in Scotland and you're struggling with your debts, a Debt Arrangement Scheme (DAS) could be what you need. If you have any questions about DAS, you might find the answers you're looking for right here in our DAS FAQs. And if you can't, just ask one of our advisers on 0800 195 2911.

1. What is DAS?
A. DAS is a statutory scheme - a legally binding type of debt management plan. It can help struggling borrowers by giving them more time to repay their debts, ensuring their payments are set at a realistic level, and protecting them against any legal action by their lenders.

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2. Do I qualify for DAS?
A. If you're a resident of Scotland and struggling with two or more unsecured debts, you might be eligible for DAS. You'd need to speak to an approved Money Adviser to find out if it's the best approach for you.

(Note that you can't enter DAS if you're already in a Trust Deed or subject to a bankruptcy order.)

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3. What is a DAS DPP?
A. A DAS Debt Payment Programme (DPP) is a programme you'd agree to under the DAS scheme. It would let you repay your debts more slowly.

It sets down how much you can realistically pay towards your debts each month, and how long you'd be expected to make those payments before the debts were cleared entirely.

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4. How long does a DPP last?
A. A DAS DPP can last as long as necessary - as long as it's a 'reasonable' period. It depends on how much you owe (your total debt) and how much you can afford to pay each month (DI - your Disposable Income).

Total debt divided by Monthly DI equals Length of DPP (in months)

So if you owed 6,000 and your monthly DI was 200, it'd take you 30 months (2 years) to repay all your debt.

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5. Will DAS freeze my interest?
A. Yes. It'll freeze interest, fees and charges from the date on which the DPP is approved.

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6. Will I lose my house if I enter DAS?
A. No. In fact, DAS should make it easier for you to afford your mortgage / rent payments. That's because your payments towards your DPP would be based on what you can afford after you've taken your essential costs into account - and mortgage / rent payments are always treated as essential.

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7. Would I still have to deal with my lenders?
A. No. You'd make your single payment to an approved Payments Distributor, who'd make the necessary payments to each of your lenders. Note that your very first payment won't go to your lenders - it'll be used to cover the costs of setting up your DPP.

As long as you stick to your side of the agreement, your lenders wouldn't be able to take any action against you.

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8. What if my circumstances changed during my DPP?
A. No-one's circumstances are set in stone, and DAS takes this into account. If your situation changes during your DPP, you can apply to the DAS Administrator to make a change to your DPP, to help you bring it to a successful close even though your situation has changed.

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9. How do I apply for DAS?
A. The first step is to talk to a DAS-approved Money Adviser, who'll go over your situation with you and decide if DAS is the best way for you to tackle your debts. If it is, they'll draw up a DPP proposal.

Your lenders will have 21 days to accept or reject the proposed terms. If they all accept the terms, your DPP can begin. If one or more lenders won't accept them, the DAS Administrator has the discretion to approve the DPP anyway, depending on the circumstances.

If a lender doesn't answer either way, they'll be treated as having accepted the proposal.

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10. Who's involved in the Debt Arrangement Scheme?
A. There are five different types of people involved in DAS:

  • The borrower: The person who's struggling with their debts.
  • The lenders: The people the borrower owes money to.
  • The DAS Administrator: A civil servant appointed by Scottish Ministers, who is responsible for maintaining the DAS Register - and for approving DPPs, Money Advisers and Payments Distributors.
  • The DAS-approved Money Adviser: The person who advises the borrower and applies for a DPP on their behalf.
  • The Payments Distributor: The person responsible for distributing money paid into a DPP.

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11. What if DAS isn't right for me?
A. DAS won't be right for everyone. You may be better off considering a debt management plan, a Trust Deed or even bankruptcy.

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Get expert debt adviceIf you would like more information, talk to our team today.

Speak to an expert debt adviser on:0800 195 2911

Apply for help online

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Subject to eligibility and acceptance, alternative solutions may be offered. Unsecured debts only. Repaying debt over a longer period may increase the total amount to be repaid. Fees payable when continuing service is provided. Your ability to obtain credit will be affected in the short term and may be affected in the medium to long term. Calls may be recorded. Calls to 0800 numbers from BT landlines are usually free, calls from other networks may vary and you should check with your network provider for full details of your service.

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