Who can apply for Debt Arrangement Scheme (DAS)?

  • John Baird -
  • 24th July 2019 -
  • 2 minutes to read

The Debt Arrangement Scheme (DAS) is a government-backed debt procedure aimed at helping Scottish residents pay off problem debt over a longer period of time than stated in their original contractual agreements.

DAS may be a suitable option for people seeking to escape unmanageable debt, but if you’re thinking of entering the Debt Arrangement Scheme you need to first consider if you meet the eligibility requirements.

Can I apply for the Debt Arrangement Scheme in Scotland?

Only residents of Scotland can apply for the Debt Arrangement Scheme - in England, Wales, and Northern Ireland, there are similar options for people in debt. So what are the eligibility criteria for DAS?

You must:

  • Be habitually resident in Scotland
  • Have surplus monthly income after your essential living costs have been deducted – these might include mortgage or rent payments, heating and lighting, council tax, and food costs
  • Owe more than one debt
  • Seek advice from a DAS approved money adviser
  • Not have entered any other official debt procedure - a Scottish Trust Deed, for example, or sequestration, which is bankruptcy in Scotland
  • Want to pay off your unsecured debts in full over a longer period of time

If you and your spouse/partner are individually liable for a debt that can be included in DAS, you may be able to apply for a joint plan for repayment.

What type of debt can be included in the Debt Arrangement Scheme?

Unsecured debts, such as credit card and store card debt, personal loans, bank overdrafts, and payday loans, can all be included in the debt payment plan (DPP) that is the foundation of DAS.

Secured debt, including a mortgage or any other loan secured by an asset, and hire purchase agreements, may not be eligible for inclusion in the Debt Arrangement Scheme, so you might still need to repay this type of debt alongside your DPP.

Mortgage and rent arrears are high priority debts, and sometimes they can be included in a debt payment plan, but your DAS approved money adviser will be able to provide more information on your individual case.

The benefits of DAS if you’re eligible to apply

The advantages of entering the Debt Arrangement Scheme include:

  • Legal protection from action by creditors
  • Freezing of additional interest and charges on the debt
  • Built-in flexibility if your circumstances change during the course of the debt payment plan
  • Your home and other assets aren’t put at risk
  • You don’t have to declare full insolvency
  • Your employment is unlikely to be affected by entering DAS

If you would like more information on applying for the Debt Arrangement Scheme and how it could help you become debt-free, please contact one of our expert advisers at Scotland Debt Solutions. We operate from a network of offices around Scotland, and can offer you a same-day meeting free-of-charge to establish your position and the likely options available.

John Baird
John Baird

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