Debt Arrangement Scheme (DAS)

What is a Debt Arrangement Scheme (DAS)?

The Debt Arrangement Scheme is a debt management tool only available in Scotland. It lets you apply for a debt payment programme (DPP) which helps you repay your debts by making affordable monthly payments.

Advantages and Disadvantages

There are many factors to consider before opting for a Debt Arrangement Scheme(DAS)​. Some advantages / disadvantages include:


  • A DPP lets you repay your debts at an affordable rate, while still leaving you enough money for household bills and living costs
  • All interest or charges that are being applied to your debts will be frozen
  • Your creditors can’t contact you or take any further legal action against you
  • If your situation changes you can apply to vary your payment or apply for a six month payment break
  • Once your DPP is complete, your debts are written off


  • 10% of your monthly payment is taken as fees to cover the running costs
  • Once you’re on a DPP your details will be put onto the DAS register. This is an online register that anyone can access
  • A DPP will appear on your credit file for six years
  • If you don’t keep up your payments the DPP could fail, and creditors can add interest charges, or take further action against you