Scottish personal debt of £13m repaid through the DAS

October 13, 2013

According to recent figures, £13m of personal debt has been repaid in Scotland in the first half of 2013. Enterprise minister Fergus Ewing said the Debt Arrangement Scheme (DAS) has been an important factor in the repayment, describing it as a “dignified way” for debtors to repay.

DAS was introduced in Scotland in 2004 and disables creditors from recovering funds whilst they are being repaid under the scheme. The scheme also gives debtors a chance to repay debt in a more affordable way, by implementing a payment plan over an extended period of time. Any fees or interest is also frozen during this time.

Statistics revealed that around 2,000 people have sought help via the DAS in the past six months. Enterprise minister, Fergus Ewing, praised its success. He said: “This is a significant amount of debt which the scheme has helped people repay already this year,” adding that people from all walks of life can be equally affected by debt.

Rosemary Winter Scott, chief executive Scotland’s Insolvency Service, said it was encouraging that a growing number of people in Scotland were choosing to use the DAS as a method to pay back their debts.

Fergus Ewing concluded: “Our message is simple: there is help for those people in Scotland who are struggling under the burden of debt. By raising awareness of DAS, we hope that more people can take control of their finances and get help out of the hole.”

If you’re struggling with debts which are spiralling out of control, talk to one of our advisers at Scotland Debt Solutions to see whether DAS could help you. Often, simply removing the fees and charges associated with your debt repayments can remove part of the problem and give you the chance to repay your debts in a way that suits you. Contact our knowledgeable advisers today and discuss the options to get you on track to a debt free future.

John Baird

Insolvency Adviser

Tel: 0800 063 9250

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