Press Release: Debt repayment now option for more Scots

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People across Scotland can from today, benefit from an improved Debt Arrangement Scheme (DAS). 


The Scottish Government, through the Accountant in Bankruptcy, has invested around £250,000 in ensuring that the scheme is accessible to more people.  DAS is a debt management option which allows people to pay back what they owe to their creditors over a longer period of time. 


Minister for Enterprise, Energy and Tourism, Fergus Ewing MSP, who has responsibility for debt management in Scotland, said:


"The launch of this new, improved Debt Arrangement Scheme today is good news for the people of Scotland. 


"I recognise that many people in Scotland are struggling with their debt and this Government is committed to ensuring that a range of options are available to help.  Uptake of DAS has been growing in recent years and the changes introduced today will help ensure that thousands more can benefit.


"DAS is a unique product which allows people struggling to pay their debts a longer period to pay back what they owe.  It protects people from fear of legal action by their creditors and freezes interest and charges, which are written off at the end of the arrangement.  A Debt Payment Programme (DPP) is created allowing people to make a single regular payment  to one organisation, removing the burden of dealing with a number of creditor organisations."


Mr Ewing carries forward his responsibility for Accountant in Bankruptcy and debt relief and debt management policy to his new Ministerial role.  In his previous position as Minister for Community Safety, he brought about a review of DAS which has led to the changes introduced today.


Changes to the Scheme include:


  • Widening the money advice gateway.  More people can now be approved to offer DAS, ensuring that people across Scotland can benefit from the Scheme
  • Removing the administrative burden from free sector money advisers.  The DAS Administrator (AiB) will take on responsibility for ongoing administration
  • People with single debts can now apply
  • Couples who are jointly and severally liable for debts can apply for a joint DPP
  • A panel of 4 approved Payments Distributors has been created.  These organisations are responsible for collecting and distributing payments to creditors
  • A 2% fee will be collected from each DPP to cover the costs associated with delivery of the scheme.  There is no up-front application fee. 


Chief Executive of Money Advice Scotland (MAS), Yvonne MacDermid, said:


“"I very much welcome the changes that have been made to the Debt Arrangement Scheme from today.  DAS is an excellent debt management scheme that will give people across Scotland, who are struggling to cope with their financial commitments, much needed relief.  DPPs are tailored to the individual circumstances of the person in need and sets re-payments over a reasonable time period. 


“I am confident that there will be significant demand for this new Scheme as this will provide a wider gateway for more people to access it.”





  • The Debt Arrangement Scheme (DAS) is not bankruptcy.  DAS is a statutory scheme administered by Accountant in Bankruptcy (AiB) and helps debtors pay back money owed to creditors over an extended period of time.  


  • Debt Payment Programmes (DPP) approved under DAS allow individuals to repay their debts in full and can last for any reasonable length of time depending on the value of the debt and amount of disposable income.


  • Once in place, the DPP will ensure that creditors receive regular payments from the debtor. Once approved, DAS freezes interest and charges and prevents creditors from using debt enforcement action.


  • Creditors will receive more that 90% of the debt they are due when the DPP is completed.




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