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  • National_Debtline
    National_Debtline Posts: 7,998 Organisation Representative
    Tenth Anniversary 1,000 Posts Combo Breaker
    cherylclarke wrote: »
    Thanks so much everyone for all your replies and advice. I haven't even heard of a DAS - is that similar to the old Protected Trust Deed? I wasn't keen on that route as I want to pay all of my debts in full rather than have some written off, but open to any advice!

    Hi again Cheryl

    Sorry, a bit slow checking back into this thread and so hadn't seen the question above.

    A DAS is not the same as a Protected Trust Deed, and in these circumstances would not involve any of your debt being written off. What it would enable is guaranteed protection against extra charges and legal action under the protection of a formal debt repayment programme.

    Assuming you were to apply through a non-commercial organisation such as a Citizens Advice Bureau, there would be no fees to pay.

    More info here (I should have posted this link first time around!):

    https://www.nationaldebtline.org/S/factsheets/Pages/22 SCOT Debt Arrangement Scheme (DAS)/Default.aspx

    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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