Using DAS to set up a debt payment programme (DPP)
As part of the Debt Arrangement Scheme (DAS) a DPP lets you repay your debts by making one affordable monthly payment.
This payment is based on the amount of money you have left over once you’ve paid all of your household bills, rather than the amount your creditors are asking you for. During a DPP your creditors shouldn’t contact you or increase your debt in any way.
Any interest or charges that are being applied to your debts will normally 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.
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 and is only available if you live in Scotland.