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A Debt Arrangement Scheme is a payment programme that allows you to repay your debts in full, free from interest and charges over an extended period of time.

Under the DAS a debt payment programme (DPP) is set up which allows you to pay back your debt at a rate that you can afford.

Once the DAS is accepted and the DPP is set up, it will protect you from your creditors, as they cannot enforce the debt or take any further action against you as long as you keep up with the monthly payments.

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Speak with one of our friendly debt advisors on 0800 97 88 495

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Our team will help you find the right solution for your financial problems


  • You must be a Scottish resident for a minimum of 6 months before applying for a DAS.
  • No minimum debt level.
  • Debts to be paid within 12 years.
  • Minimum Disposable Income of £90.
  • DAS can be sole or joint.


  • Not a form of Insolvency.
  • Minimum of 1 creditor.
  • No minimum debt level.
  • Assets do not need to be included.
  • Interest and charges are frozen whilst the DAS is in place.
  • Payment holidays are possible.
  • Full protection from creditor action once the DAS is approved.


  • Debts to be paid within 12 years or a “reasonable period of time”.
  • You will be put onto a public DAS register.
  • Creditors can object to the programme.
  • If you fail to co-operate the plan can be revoked.
  • No debt will be written off.

You can call one of our advisers on 0800 97 88 495 or email to find out if you qualify for a Trust Deed.