DAS (Scotland only)

Reduces unsecured debt repayments and protects against action from lenders

The Debt Arrangement Scheme could help you:

  • Make your monthly payments affordable
  • Reduce or freeze interest and charges
  • Stop letters and calls from lenders

Do You Qualify For DAS?

Call us on 0800 970 7673

Fees & Key information

Find out more about the fees involved with each debt solution.

Download the Insolvency Service guide to dealing with creditors.

Find out if you qualify for DAS

Tell us about your situation

Tell us about you

DAS callback

Complete this simple form and one of our advisers will get straight back to you

Correspondence is held in strict confidence and we will only ask for the information required to find the best solution to your debts.

Need debt advice?

Call us on 0800 970 7673or fill in our simple form to receive a free no obligation call back from one of our friendly, experienced advisers.

How the Debt Arrangement Scheme works

Reduces unsecured debt repayments to an affordable level

The idea of the Debt Arrangement Scheme is that it makes your debts affordable again. We'll help you to put together a Debt Payment Programme (DPP), which is basically a new plan for repaying your debts in manageable monthly payments.

You'll only pay as much as you can afford each month, after you've taken care of your other living costs. We'll help you to work out a budget to make sure everything's covered.

Freezes interest and charges on your debts

While your Debt Payment Programme is in place, all interest and charges on included debts will be frozen. That means your debts can't get any bigger, so more of each payment you make is going towards clearing the debt itself.

We'll deal with your lenders

Negotiating with lenders can be difficult, but with us you won't have to. We'll help you put together your DPP and ask your lenders to vote for or against it. We have many years' experience of coming to successful agreements with creditors, so rest assured you're in safe hands.

In some cases, the Accountant in Bankruptcy (who is the DAS Administrator) can approve your case even if your lenders have declined your application.

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Apply for a DAS Debt Payment Programme

Applying for DAS is easy with Debt Advice Now. All you have to do is give us a call on 0800 970 7673 and one of our friendly debt advisers will help get you started.

Alternatively, you can fill in the form at the top of this page and we'll get back to you soon.

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Things to consider

Remember, the Debt Arrangement Scheme is only an option for people who can't afford their existing debt repayments. Your lenders will only agree to reduced debt repayments if they can see that this is the case. But you must still be able to commit to regular monthly payments, and you must be able to repay your unsecured debts in full within a reasonable period of time.

You should also be aware of the consequences. Making reduced repayments towards your debts will have an impact on your credit rating, which will make obtaining further credit a lot more difficult in the future.

But if you're really struggling, this may be a worthwhile price to pay. And keep in mind that not getting the help you need with your debts could have more serious consequences in the long run.

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