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Debt Arrangement Scheme

Through our experience with Debt Arrangement Schemes we know when it's a suitable solution. Quickly find out if it's right for you with our three steps

Answer a few online questions

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2 min

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Typical Example from all our customers who were recommended a Debt Arrangement Scheme

This average example shows how these customers’ payments were made more affordable each month.

Typical Example

Personal unsecured debt


Number of lenders


Previous monthly debt repayments


New monthly debt repayments


We are able to reduce monthly repayments by carefully reviewing your finances and putting forward realistic recommendations to your lenders.

These figures are based on the averages across all Debt Arrangement Schemes arranged for customers in 2017. We assess each customer individually based on their circumstances, and payments to the Debt Arrangement Scheme are based on what is realistic and affordable.

The Debt Arrangement Scheme can only be arranged by approved Money Advisors, so talk to us for expert advice

Repay all of your unsecured debts at a rate you can afford with this formal debt solution available to Scottish residents.

A Scottish solution

Debt Arrangement Schemes are only available if you live in Scotland.

Debt Arrangement Schemes are affordable

You'll make lower monthly repayments over a longer period of time on your unsecured lending (things like credit cards, loans, overdrafts etc).

This will make sure you only have to pay what you can afford after you've taken care of your other important bills and living costs.

Freeze interest & charges

All interest and charges on your debts will be frozen, so your debts can't grow.

Credit rating

As you'll be paying a reduced amount, it may take longer to repay what you owe and your credit rating will be adversely affected.

Debt Payment Programme (DPP)

Under the Debt Arrangement Scheme, you will have a new repayment plan called a Debt Payment Programme (DPP). The DPP is legally binding, so once it's been agreed you will be protected against further action from your lenders (as long as you keep up with your payments).

Your DPP will also be recorded in a publicly available Debt Arrangement Scheme register.

Answer a few questions online, find out if a Debt Arrangement Scheme is right for you

Quickly find out if a Debt Arrangement Scheme is right for you

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Debt Arrangement Schemes are available subject to eligibility and acceptance, alternative solutions may be offered. Fees payable if continuing service are provided. Our fees are explained here.

To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

From finding balances to dealing with your lenders - your qualified Money Advisor will do it all for you

What will happen during a Debt Arrangement Scheme (DAS)...


A Money advisor will gather information, explain your options and help you decide if a DAS is right for you before applying for a debt payment programme (DPP) under a DAS


If a DAS is the right solution for you, a money advisor will prepare the DAS proposal documents

We then ensure you read and understand the documents before signing


Your lenders are sent the DAS proposal. They then decide whether to accept it

Once accepted the DPP is set up as agreed under the DAS


Once the DPP has been completed all of the debtors details are removed from the DAS Register and the creditors will be informed that their debt(s) in the DPP have been repaid.

With a Debt Arrangement Scheme your monthly repayments are made more affordable

Answers to common Debt Arrangement Scheme questions

Will it affect my credit history?

The fact that you've lowered your monthly repayments will affect your credit rating and will show up on your credit record for six years – this will affect your ability to obtain credit.

Can I still get credit?

Whilst you're paying your debts under the DPP, you need permission from the Debt Arrangement Scheme Administrator before applying for or obtaining any further credit.

As you will be repaying less each month towards your debts, you will be in debt for a longer period.

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For further information about Debt Arrangement Scheme

Our promise to you

You will not be called by a call centre

Our experienced, Money Advisors will only call at a time convenient for you

We'll take care of everything

From finding balances to dealing with your lenders - your qualified Money Advisor will do it all for you!

DAC look to help everyone

We have helped over 400,000 people with a range of solutions - it's important we find the right one for you

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Find out if a Debt Arrangement Scheme is the right solution

Talk with your personal Money Advisor today

If you are interested or would like more information on Debt Arrangement Schemes, talk through your options with one of our experienced money advisors

0161 413 9583

We will offer advice, support and a solution

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