Debt Arrangement Scheme

A debt plan that’s exclusively you

A debt-free solution could be right up your street. In other words, DAS is only available to people living in Scotland. There is no equivalent (yet) solution for the rest of the UK. On that basis alone, this exclusively Scottish option may offer you more value than a plan that’s open to anyone in the UK.

The best part of the plan is that it is based on what YOU can afford and not what your creditors demand – and your creditors cannot legally contact you at any stage of the process. Your interest and unsecured debts are temporarily are frozen until you make a single monthly payment towards them. Forget the creditors, they can’t contact or call you.


Who can qualify, and for what sort of DAS debts?

Struggling with your monthly debt repayments, but feel you could repay what you owe if given enough time? Then Find a Dept Expert can shape a Debt Arrangement Scheme around your income. But first things first; are you eligible?

  • If you live in Scotland you’re instantly eligible for a DAS – if for some reason you don’t qualify, please call us for free on 0161 694 2650 because with Find a Debt Expert, there is ALWAYS a way around debt.
  • It does not matter how many debts you have – whether it’s one or 21.
  • You should have a realistic amount of money left over, after having paid your essential household expenses.
  • You cannot be subject to Scottish bankruptcy (This is also known as Sequestration – which we covered elsewhere on this site) or any other insolvency procedure.
  • You cannot be liable for any other type of insolvency agreement.

If DAS is for you, a DPP (Debt Payment Programme) is integral too

With its lower, more affordable and sustainable repayments it’s easy to see why DAS is the way to go for many people in Scotland. When you choose a DAS you will automatically be enrolled into a DPP, or Debt Payment Programme. They are a fundamental part of the DAS process, and allow you to pay back your debt over a longer period of time.

A DPP is the repayment plan agreed between you and your creditors under the DAS. Each DPP is worked out individually, by a qualified money advisor, who mediates between you and your creditors. The good news is that all interest and fees on your debts are frozen under a DAS – you don’t need to pay back what you owe in its entirety. A DAS usually lasts for no more than ten years.

A DMS requires a DPP, which requires a CRA

Credit Referencing Agencies (CRA) such as Equifax and Experian, are required to create your very own, personalised credit file. Banks and credit card companies can then decide whether to give you credit based on the information the personalised files give.

Get in touch with Find a Dept Expert today to see what your credit score is. It’s completely free to check your report, online or request a paper copy from whether to give you credit based on the information the credit file gives. Once you’ve received the CRA quotes, compare them – they’ll show you your credit history going back six years. You’ll know where you stand and where your future lies with Find a Dept Expert.

Find a Debt Expert is a trading style of Milton & Stirling Ltd, Company Number SC587851 – Solutions Scotland, 78a Stanley Street, Glasgow, G41 1JH. DPA number ZA431921

Milton & Stirling Ltd are an Appointed Representative of MichaelAlan Ltd who are authorised & regulated by the Financial Conduct Authority, FRN 690939.

As part of our free service, we’ll review your financial situation, explain the available options and recommend a debt solution which is suitable for you. The risks of all suitable solutions will be explained clearly and if you decide to go ahead with a debt solution we will refer you to one of our trusted providers who specialise in the management of that debt solution. We’ll be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided. Read about fees and key information in our terms & conditions. To find out more about managing your money and getting free debt advice, visit Money Advice Service , an independent service set up to help people manage their money.

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