What is DAS?  

DAS is a statutory debt management tool introduced by the Scottish Government to help people in debt repay their creditors.   Debtors who live in Scotland can apply for a debt payment programme (DPP) under DAS. 

Under DAS, a debtor can apply for a DPP which allows them to repay their debts based on their disposable income.  A programme can last for any reasonable length of time subject to the value of the debt.  If the DPP is approved the debtor will make regular payments towards the debt(s) owed by them under terms agreed in the DPP.  


How does DAS work?

DAS is a DPP that allows a debtor to pay back their debt over an extended period. The debtor must have sought advice from a money adviser who will have assessed their income and expenditure to determine whether any disposable income is available.  The debtor makes a regular payment to a payment distributor, over an agreed period of time, who then distributes the funds to the creditors.  The debtor can make payments to the payment distributor in a number of ways including having the sum deducted directly from their wages


How does DAS affect me?

You may not be aware if one of your employees has a DPP unless they have asked for their payments to be made directly from their wages.  If one of your employee’s has requested payment be deducted directly from their wages, a DAS approved money adviser or the DAS Administrator will contact you via a form 3.  The payment instruction will contain details of the payment distributor and the amount to be deducted.


What is my role in DAS?  

If you receive a Form 3 from a DAS approved money adviser or the DAS Administrator you must deduct the sum specified in the form on every pay day, and pay the sum deducted to the payments distributor as soon as it is reasonably practical to do so.  This form will give you all the information you require to make the deduction from your employee’s wage.   

Further information on guidance for employers involved n DAS is available (link to guidance)

Earnings Arrestment

Once the DPP has been approved any existing arrestment on your employee’s wages will no longer have effect.  The DAS Administrator will send you a notice recalling any arrestment and informing you that you must stop taking any deductions with immediate effect.




Worried About Debt?

If you are struggling with your debt, DAS could be right for you.




DAS can help you recover 90% or more of the money owed to you.



Money Advisers

Find out everything you need to know about working with DAS.