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What is DAS?

How can DAS help me?

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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. 

It can last for any reasonable length of time and, if approved, will freeze all interest, fees and charges on the debt included, resulting in them being waived if you fully complete the programme.

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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 service

  • 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.

While you have a payment programme under DAS, you will not normally be able to access further credit unless it is required for essential repairs.

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Find a money adviser near you

Interested in DAS?

Find a money adviser who will give trusted, impartial advice near you by entering your postcode into our interactive map.

 

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Publications

The Debtor Information Booklet provides general information on DAS for debtors.

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