What is DAS?
DAS is a Scottish Government-backed debt management scheme which allows you to repay your debts through a debt payment programme.
The programme will allow you to pay off your debts over an extended period of time while giving you protection from the creditors who may be taking action against you to recover the debt.
How can DAS help me?
There are many advantages to DAS. These include:
- DAS allows you to repay your debts over an extended period of time
- DAS allows you to make a single regular payment to a payments distributor who distributes funds to creditors on your behalf
- DAS approved money advisers at Citizens Advice Bureaux or local authorities normally provide free advice. However, some other approved money advisers may charge a fee for their advice service prior to the approval of your programme. They cannot charge a fee after the approval of your programme.
- DAS protects you from your creditors using court enforcement to recover debt
- If your circumstances change, DAS allows you the flexibility to vary the approved debt payment programme without any penalties
- DAS freezes interest, fees and charges on your debt, and is written off when the it is completed
- Using DAS successfully will demonstrate you have re-paid your debts in full
If your creditors are writing to you to say they intend to take court action against you to recover debts and you are intending to apply under DAS, a moratorium application can be submitted to AiB.
After your payment programme is approved, all your creditors included in the proposal, or who have been notified about it, cannot take further action against you to recover any debts. This means your creditors may not petition for your bankruptcy or take enforcement actions, such as earnings and bank arrestment, against you.
The DAS Administrator has no influence over your credit rating, as this is a matter for the credit industry. However, if you participate in DAS, your details will be recorded on the DAS Register, which is a public register open to anyone free of charge.
Creditors and credit reference agencies check this register on a regular basis and may update your credit file to reflect this information.
Find a money adviser near you
Interested in DAS?
The Debtor Information Booklet provides general information on DAS for debtors.
- Download a copy of the Debtors Information Booklet,
- other language options are avaliable in the guidance section