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Debt Arrangement Scheme

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

A Debt Arrangement Scheme is a debt solution that can make repayments more manageable for debtors in Scotland.

A Debt Arrangement Scheme (DAS) is a formal debt solution in Scotland that facilitates an application for a debt payment programme (DPP). A DPP is an agreement for you to make affordable debt repayments based on your financial situation. The DPP continues until all of your debt has been repaid. 

The pros

  • Repayments are based on your finances, ensuring you have enough leftover for essential living costs
  • Interest and further charges are frozen as soon as you apply
  • Creditors are not permitted to contact you during the plan and cannot take legal action against you
  • You can ask for changes to your payment plan if your situation changes, and you can even ask for a payment break

The cons

  • You have to pay fees during the course of your DPP
  • Your details are added to a public register called the DAS register
  • Your DPP will be visible on your credit report for six years
  • Not sticking to the repayment terms could cause the DPP to fail and creditors to take further (legal) action

More information on Debt Arrangement Schemes

Before you contact an approved organisation to set up your DPP, you should learn more about Debt Arrangement Schemes and how they work. We’ve got you covered with the MoneyNerd DAS hub. Search through lots of helpful articles and guides explaining how this Scottish debt solution really works. All our content remains free!

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  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring
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