Customer LoginDebt Payment Programmes (DPP) under the Debt Arrangement Scheme (DAS) are only available to Scottish residents. They allow you to repay your debts in full at a rate that’s affordable to you.
How we could help you?
We're very proud of the changes we are able to make to a customers situation.
Here's Dans story:
I’ve gone from paying £550 to my lenders each month to only paying £296
Before I had nothing left for the rest of the month after paying my debts, which was so stressful, but now I’ve finally got some breathing room and it feels like things are getting sorted.
I’ve gone from paying £550 to my lenders each month to only paying £296
Before I had nothing left for the rest of the month after paying my debts, which was so stressful, but now I’ve finally got some breathing room and it feels like things are getting sorted.
Look familiar to you?
Amount of debt
£17,020
Number of lenders
9
Monthly debt repayment
£550
We can help you reduce your payments to
New monthly debt repayment
£296
How we could help you?
We're very proud of the changes we are able to make to a customers situation.
Here's Dans story:
I’ve gone from paying £550 to my lenders each month to only paying £296
Before I had nothing left for the rest of the month after paying my debts, which was so stressful, but now I’ve finally got some breathing room and it feels like things are getting sorted.
I’ve gone from paying £550 to my lenders each month to only paying £296
Before I had nothing left for the rest of the month after paying my debts, which was so stressful, but now I’ve finally got some breathing room and it feels like things are getting sorted.
Look familiar to you?
Amount of debt
£17,020
Number of lenders
9
Monthly debt repayment
£550
We can help you reduce your payments to
New monthly debt repayment
£296
These figures are based on the averages across all Debt Arrangement Schemes arranged for customers in 2017. We assess each customer individually based on their circumstances, and payments to the Debt Arrangement Scheme are based on what is realistic and affordable. Individual repayments will be based on your circumstances.
Your steps from set up to completion
We’ll talk through your circumstances, and take a look at your income and outgoings.
We’ll give you free, impartial advice on a way to start becoming debt free.
If a Debt Arrangement Scheme is your chosen solution, we’ll send you a useful starter pack and prepare the necessary paperwork.
Is a Debt Arrangement Scheme right for me?
How it helps
You’ll make just one monthly payment that you can afford.
Your lenders will stop contacting you.
Interest and charges will be written off upon completion.
You’re protected from any further action from your lenders.
Things to consider
If your DAS fails, your lenders will start contacting you again and they can claim back the interest and charges they’ve not previously applied.
As you’re lowering your debt repayments, it will take you longer to become debt free.
Your credit rating will be impacted for six years.
Your details will appear on the DAS register.
To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
Why Financial
Wellness Group?
We'll take the time to really understand you and your financial situation and make sure you have everything you need to make a real change.
Your financial situation is unique , so we'll tailor a solution just for you.
Whether online or over the phone, we'll give you all the advice and help you need.
Our teams are only targeted on getting the right solution for you.
Let's talk today
Answers to common Debt Arrangement Scheme questions
Will it affect my credit history?
Your DAS will appear on a publicly available DAS Register. Your credit rating may also be impacted for up to six years, from the day it starts.
Can I still get credit?
You’ll need to gain permission from your DAS administrator before taking out more credit. Our concern here would be that you’re not able to manage your repayments. If this is the case, please contact us as soon as possible. Also please note, as you will be repaying less towards your debts each month, you will be in debt for a longer period.