DAS Debt Solution

The Debt Arrangement Scheme (DAS), was introduced by the Scottish Government in 2004. This is a legal debt management scheme to help individuals pay off their debt with fixed affordable payments.

At Personal Debt Support, we understand the pressure that neverending debt can put on an individual. You may feel that you have nowhere to turn to and are being bombarded by threatening emails and phone calls. Speaking to an expert financial adviser can help you gain a better understanding of your situation and what measures can be put in place to manage your finances effectively and efficiently.

There are a number of options available when it comes to debt management. The expert team at Personal Debt support can lend a sympathetic ear and present several options to you that best fit your financial circumstances. One of these options is a Debt Arrangement Scheme.

A DAS is available to you if you live in Scotland and qualify for this scheme. To qualify for this, you will currently have one of more debts, are not bankrupt and have a reasonable amount of money left after all of your outgoings.

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      How a DAS could benefit you

      By opting into a Debt Arrangement Scheme, you will make single monthly payments, by spreading out the cost, this scheme is based on what you can afford. Entering into DAS can help give you peace of mind, as this debt solution scheme will ensure that companies who are issuing demands or threatening court action can not pursue any action against you. With a DAS, you will also have a guaranteed freeze placed on all of your interest and charges on the debts included once approved.

      However, it is important to be aware that this may affect your credit rating and you will be restricted in your search for further credit during the duration of a DAS.

      With these affordable measures in place, as well as more manageable payments, this can help you start to see the light at the end of the tunnel and help you take back control of your finances.

      Frequently Asked Questions

      A DAS Register is a public register that records details of everyone participating in a DAS. Credit agencies use these registers to update credit files.

      Within a DAS application, there are charges for the costs of the distribution to creditors and application. There is a maximum of 10% that can be taken in total, no more than 8% to the payment distributor and 2% for the application fee.

      Yes. Interest and charges are frozen as soon as your application is submitted.

      Contact Personal Debt Support

      To find out more about DAS and your eligibility for this debt management solution, contact Personal Debt Support today. Let us help you on your journey to being debt-free.