Skip to content

24-hr payment line: 0161 543 1636 Existing customers: 0161 228 6194 New customers: 0161 543 3814

DAS Advantages

A DAS protects your assets (e.g. your home and your car).

Repay your debts through one affordable monthly payment which is calculated based on your financial situation.

Creditors are obliged to freeze all interest and charges.

Your creditors will no longer be able to contact you to demand payments. This can reduce the stress that comes with being in debt.

An approved Money Advisor will guide you through the process and negotiate with your lenders for lower payments on your behalf.

DAS Considerations

You are paying back the full amount you owe plus a monthly administration fee.

If the arrangement or deed fails, there is a risk of sequestration.

There are expenditure (spending) restrictions placed on a person who is entering into a DAS.

Failure to continue to pay taxes, fines, child support payments, and other certain debts could result in the loss of access to essential goods or services, or repossession of, or eviction from your home.

You will usually not be allowed further credit of over £2,000 while on a DAS.

A DAS will appear on your credit file for a minimum of 6 years from the date you enter it, and will affect your ability to obtain credit in this time.


Since I have started using the company they have been very helpful. They have helped me take the stress and worry away from being in debt.

—Trusted Customer

Do I qualify?

To qualify for a Debt Arrangement Scheme, you must have at least 1 unsecured debt and live in Scotland, and have a reasonable amount of spare income to offer an affordable repayment plan.

Qualifying terms

Have at least 1 unsecured debt

Live in Scotland

Have a reasonable amount of spare income to offer an affordable repayment plan

Are you looking for more support in deciding which debt solution is right for you?

Click below to speak to one of our experts, who will offer you advice that is specific to your personal situation.

Get Debt Help

Related solutions