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With a Debt Arrangement Scheme (DAS) you repay your debts in full and completely FREE from interest, charges, penalties and charges. These are frozen as soon as you apply – and are waived once you’ve repaid your debts. In other words, it brings down the cost of how much you’d have to pay back without a DAS in place.
Your DAS payments are spread over an extended period of time, for a maximum of 10 years. If something happens that affects your ability to make these payments, you can apply to vary the monthly payment amount and / or apply for a payment holiday of up to six months. This way, you can ultimately make all your payments and enjoy a fresh start at the end.
Only available in Scotland, a DAS is an alternative to a Trust Deed, Sequestration or an Unsecured Loan. It was set up by the Scottish Government to help people struggling to repay their debts.
We’ll help you work out which debt solution is the best for your circumstances.
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Find out why we enjoy what we do here at
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Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.