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DAS Example

Here is an example of how a Debt Arrangement Scheme could make your debts affordable:

Let say your unsecured debts
looked like this...

Credit Card: £4,000

Personal Loan: £19,000

Store Card: £5,000

Total Owed £28,000

Current monthly£1,100

After a DAS...

New monthly£194

New monthly repayment is based on affordability and varies from plan to plan.

Key information

Visit our FAQ Section for any in depth information on Debt Arrangement Schemes

Why Choose Us?

We are expert providers of Debt Arrangement Schemes. We offer free help and advice on debt solutions and can guide you in the right direction with regards to your debts.


Debt Arrangement Scheme

Reviewed by

Julian McGregor on Feb 08th.

""Superb advice and very knowledgable!!""

Rating: 5 5 star rating


See more testimonials here...

Debt Arrangement Schemes vs. Trust Deeds

There is nothing easy about declaring yourself insolvent, and the ramifications, both financial and emotional, can be devastating. That’s why the Scottish Government has created the Debt Arrangement Scheme (A Debt Arrangement Scheme). While there are some similarities to existing debt management solutions like Trust Deeds and sequestration, it’s the differences that make A Debt Arrangement Scheme the choice for many people who want a simple, flexible way to get their creditors off their back so they can work towards a debt-free future.


Both enforced by law

Both A Debt Arrangement Scheme and Trust Deeds have the weight of law behind them, and creditors must abide by the legal process each entails or risk complaints to their regulators. Many other debt solutions depend on the goodwill of creditors without legal process to support and protect them.

Don’t have to deal with creditors

Both A Debt Arrangement Scheme and Trust Deeds rely on a third party – a money advisor and Trustee respectively – to offer advice, set the process up and administer the payment plan. Part of this is dealing with creditors, who are not allowed to contact the individuals they represent thus alleviating a great deal of stress for the debtors involved. In the case of A Debt Arrangement Scheme, there is also a payment distributor to send each month’s payment to creditors.

Both for Scottish residents

Only Scottish residents are allowed to register for Trust Deeds and A Debt Arrangement Scheme, although the former stipulates they must be residents for at least six months while the later has a little more room for interpretation by the money adviser involved. If it is clear you have settled permanently in Scotland, even though you have been there less than six months, this may be enough for the A Debt Arrangement Scheme administrator to grant approval on your DPP

Both require a household budget to be made

The basis of both debt management solutions is a good budget, and both A Debt Arrangement Scheme money advisers and Trustees are fully qualified to offer you unbiased advice and help you construct a workable budget.


Length of payment plan

Trust Deeds run for 48 months while the Debt Arrangement Scheme scheme allows you to set the length of time you take to pay off your debts. Usually most DPPs are between three and 10 years.


When you register for a Trust Deeds, you are declaring insolvency and effectively saying you are bankrupt. If you fail to get your Trust Deed protected, your creditors could move to sequester you immediately. The A Debt Arrangement Scheme makes no indication of insolvency, merely that you wish to have more time to pay off your debts. Should you not be approved, there are still other avenues for you to pursue without fear that you have told your creditors information that makes you vulnerable.

Interest charges and fees

Interest, fees and charges are generally not applied on both Trust Deeds and Debt Arrangement Schemes. However, with Trust Deed these are only frozen until the end of the four years and there may well be some to pay at the end. With a Debt Arrangement Scheme, all interest, fees and charges are frozen throughout the life of the plan and waived at the end.

Amount of debt

With Trust Deeds you must have over £10,000 in debt before you can register for one. With the A Debt Arrangement Scheme, as long as you have more than one debt you can apply.


With a Trust Deed all assets must be handed over to a Trustee who will sell them as appropriate to release money for your creditors. Generally, a A Debt Arrangement Scheme disregards your assets unless the A Debt Arrangement Scheme administrator believes that there is a strong case for a valuable asset being a non-essential asset that should be sold.

Creditors’ agreement

With A Debt Arrangement Scheme, if a creditor says nothing they are presumed to agree, and even if they disagree, as long as the DPP is fair and reasonable the money adviser will send it to be approved. This stops vindictive creditors from attempting to sequester you for very little gain. With a Trust Deed, the creditor that holds the majority of the debt you owe must agree. If they do not, you will not be granted a Trust Deed and your creditors could immediately move to have you sequestered.


With A Debt Arrangement Scheme, the money adviser you use may or may not charge for their services, while the payment distributor’s fees are capped at a maximum of 10%. Trustee fees for Trust Deeds on the other hand can run to a lot of money, which is taken from your payment. In some cases, trustee fees are so large that very little of your payment gets to your creditors.

You’ve probably spent countless hours researching options like sequestration, Trust Deeds and payment plans. If you don’t want to ‘give up’ ‘swallow pride and admit defeat’ or ‘wipe the slate clean’, as many people refer to insolvency, A Debt Arrangement Scheme will protect you from your creditors while still allowing you a flexible method of repaying your debts without the impossible time pressure.

For more information about whether a Trust Deed or A Debt Arrangement Scheme is right for you, call to speak to in confidence to one of our A Debt Arrangement Scheme consultants who will talk you through your options and point you in the right direction.

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