The Debt Arrangement Scheme (DAS) could:

	Help with unmanageable unsecured debts
	Help you repay your debts in affordable payments
	Freeze all interest and charges
	Protect against further action from lenders

The Debt Arrangement Scheme is designed to help you repay your debts at a pace you can manage while protecting you against demands from lenders. It's exclusive to Scottish residents.

It works by reducing the unsecured debt repayments that you can't manage to an affordable level, while ensuring you have enough money to take care of your other day-to-day living costs. This new repayment plan is called a Debt Payment Programme (DPP).

If your lenders accept your new repayment programme, all interest and charges will be frozen, so your debts can't grow. This means you can repay your debt sooner than if you were still paying interest.

And because it's a legally-binding agreement, your lenders can't take any further action regarding your debts - just as long as you keep up with your new repayments.

Just remember that like most debt solutions, DAS will affect your credit rating, and obtaining further credit in that time could be very difficult. Making smaller payments than you originally agreed may mean your debts take longer to pay off.

Want to know more about DAS? Call our expert advisers on 0800 505 3839, or fill in the call-back form on this page and we'll get back to you.

Fees & key information

• What fees will apply? When you talk to one of our advisers, they may recommend that you enter a debt solution to tackle your debts - and fees will be charged if you do. We're one of the UK's longest-established providers of debt solutions, and pride ourselves on providing an excellent service at a highly competitive price.
  Click here to read about our fees »
• What effect will it have on my credit rating? Your ability to obtain credit will be affected in the short term and may be affected in the medium to long term.
• Will I be able to change my mind? Talking to our advisers will place you under no obligation whatsoever. Should you choose to enter a debt solution, you will have the legal right to change your mind at any point in the first 14 days after accepting our terms of business.

Conditions apply. Only reduces unsecured debt repayments. Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees payable. Calls may be recorded