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Am I eligible to apply?
You can apply for DAS if you live in Scotland and you have a reasonable amount of income left after meeting your basic needs for example paying your mortgage, rent, utilities and council tax.
How do I apply
To apply for DAS you must approach a DAS approved money adviser. The money adviser will discuss your circumstances with you and if DAS is the best option for you, they will complete the debt payment plan (DPP) proposal. Your proposal will then be sent to your creditors for consideration either directly by the money adviser or by the DAS Administrator. The creditors will be given 21 day to respond with their acceptance or rejection to the terms of the DPP. If, however, a creditor does not return respond within 21 days, under the legislation they will be treated as having consented to the DPP. If any one of your creditors does not accept the terms of the DPP, the DAS Administrator will decide whether the proposal should be approved or not
Intimations
If your creditors are writing to you to say that they intend to take court action against you to recover the debts and you are thinking about applying for a DPP under DAS then your approved money adviser can write to the DAS Administrator to intimate your intention. The DAS Administrator will register this intimation on the DAS Register. Once on the DAS Register you are protected for a period of six weeks against any creditor action. This period gives you time for your approved DAS money adviser to submit your DPP proposal.
