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The Debt Arrangement Scheme survey 2017

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DAS survey results for 2017

The Debt Arrangement Scheme (DAS) in Scotland provides a debt solution known as a debt payment programme (DPP). It's only available to our Scottish clients, and crucially it stops creditors from adding interest and charges to your debt while you make your agreed repayments.

As part of our ongoing work to ensure that the scheme works for our clients, we surveyed over 450 clients who are paying off their debts through the scheme. Here are the key findings from the survey:

  • 81% of our clients said it is now easier to pay their debt through DAS
  • 78% or our clients said that they are less stressed now and can sleep
  • Two thirds of clients no longer felt that creditors were treating them badly, and felt more confident contacting them
  • Most creditors have a limited knowledge and understanding of DAS as a debt product
  • Many clients report that despite the DAS requiring creditors to halt enforcement action, almost a quarter reported to continuing to receive harassing phone calls from creditors

Download the report now for the full picture. 

Download now

Contact our media team

Please note: These contacts are for journalist or media enquiries only.

0141 270 1441 Office hours

07876 133461 Outside office hours


Our research and reports

As the UK's leading debt charity, we want to make millions more people aware of the help that StepChange Debt Charity offers. Take a look at our research on household and consumer debt for leading insights on problem debt across the UK.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018