Debt Arrangement Scheme (DAS) - Scotland only

With the Debt Arrangement Scheme, you could:

What solutions are available?
Complete the form and our friendly advisor will call you back to discuss the best way forward.


Help with unaffordable debt repayments

As part of the Debt Arrangement Scheme, a Debt Payment Programme (DPP) helps to ensure your unsecured debt repayments are affordable by letting you repay what you owe over a longer period. Assuming your lenders agree to the terms, you'll only pay what you can afford towards your unsecured debts each month.

A freeze on interest and charges

Once an agreement is in place, all interest and charges will be frozen, so your debts can't grow. That means more of each payment you make goes towards the debt itself.

You will still repay all your debt in full - but more slowly. Please bear in mind that your credit rating will be affected as you won't be repaying your debts in the way you agreed when you first borrowed money.

It's important to keep up with your payments or your payment programme could fail, if your DPP fails all of the interest and charges will be added back on and your debts will remain outstanding.

Protection against action from lenders

It's a legal agreement, which means once it's agreed your lenders can't take any further action - as long as you stick to your side of the agreement.

How DAS works

The Debt Arrangement Scheme is a scheme designed to help Scottish residents who can't afford their debt repayments. Under the scheme, you'll have your own Debt Payment Programme (DPP) - a plan for repaying your unsecured debts in affordable payments.

We'll talk to your lenders about reducing your payments, so you don't have to. Your new payments will be based on what you can afford after you've covered your bills and other living costs.

You'll keep making reduced repayments until your circumstances improve, or until you've completely repaid the debts - whichever comes first. Please note that your first monthly payment will cover the cost of setting up your DPP. So, it won't go towards your debts, which will increase initially.

Is it right for me?

A DAS Debt Payment Programme could make a big difference if you can't afford your unsecured debt repayments as they are, but can still afford lower monthly repayments.

It offers all the benefits of an informal debt management plan, but you'll also have the added protection of a legal agreement, and you won't have to pay interest or charges.

However, DAS can't help you if you don't think you'll be able to repay your debts within a reasonable timeframe. And remember, you must be a Scottish resident to qualify.

Final points

A DAS Debt Payment Programme could help to make your unsecured debts affordable again, but do keep in mind that because you won't be repaying your debts as originally agreed your credit rating will be affected. Smaller repayments will mean the debt takes longer to pay off.

Need expert help with your debts? Complete our form to request a callbackRequest a callback
  • 0161 669 8925
  • 0161 669 8925

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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. Your ability to obtain credit will be affected in the short term and may be affected in the medium to long term.
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