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If you are struggling to get out of debt,it’s time to break the cycle withDebt Advisory Services (Scotland) Limited!
Debt Advisory Services (Scotland) Limited, a private limited company, was launched in February 2006 to provide a range of debt solutions for people living in Scotland.
Although we can temporarily ease the strain by taking out further credit, the financial hangover in the long run means that we have just as much to pay off (if not more) the following month, thanks to interest rates and charges on our outstanding debt.
We can easily find ourselves trapped in a vicious cycle, making it feel impossible for us to ever get out of debt. The hardest thing to do is to recognise that there is a problem and take the steps to find the right people to help you to become free of debt. If you are really worried about your current level of debt and you are looking for a way to become debt free, there are a number of solutions available that can help and they are listed below. Careful consideration should always be taken before you decide on the solution to take when dealing with your debts.
Our initial review service, which helps to identify a potential solution for you, is completely free and there is no commitment for you to action any recommendations that we make.
Should you however choose to effect a debt solution with The Debt Advisory Services (Scotland) Limited fees will apply. Despite the fact that a significant amount of time and effort has to be spent in setting up your plan, Debt Advisory Services (Scotland), unlike many other Debt Management Plan providers do not charge any up-front fees or take higher monthly management fees in the early stages of your plan to cover the initial set up costs. To ensure that all of our customers are treated fairly and to reflect the amount of work involved in setting up and running your plan, rather than charging a percentage of your monthly payment, our monthly management fee for our Protocol Debt Management Plan, is determined by the number of creditors included in your plan. Our monthly management fee for running your Debt Management Plan, which is included in your agreed monthly payment, will commence from the first month of your plan and is subject to a minimum fee of ?32.50 and a maximum fee of ?90.

Debt Advisory Services (Scotland) Limited do not charge you any fees for the provision of our review, referral or Trust Deed services. Clients, who have chosen a DAS scheme as their preferred debt solution are referred to one of our carefully chosen licensed Insolvency Practitioners who will then appoint a qualified money advisor who will act on your behalf. Debt Advisory Services (Scotland) Limited do not charge you any upfront fees or administration fees for the provision of our review or referral services. Debt Advisory Services offered a full and final settlement offer of ?4,000 which was accepted by the creditor saving the client ?4,000. The services that we provide go beyond those offered by other Debt Management Companies who, may do no more than just put a plan in place to help you deal with your current debts. Our Fresh Start programme is designed to help you make the most of your money and provide you with the opportunity of freeing up additional disposable income that can be used to help you repay your debts as early as possible. A Debt Management Plan is an informal agreement designed to allow people who are struggling to meet their monthly debt repayments, the opportunity to make a single, more affordable monthly payment via a debt management company. If you live in Scotland and cannot afford to keep up payments on loans and credit cards, a Trust Deed may be the best debt solution for you. Consolidating your existing debts into one smaller monthly repayment can sometimes put an end to the stress inducing demands made by your current creditors.
Taking part in our FRESH START programme really won’t cost you a penny and could save you hundreds of pounds each year and you will be able to keep more of your money in your pocket each month and you can start repairing your credit rating earlier and pay off your outstanding debts faster. Ring us on 0800 011 2322 (free from landlines) or on 0141 942 9700 to discuss your situation with one of our fully trained advisors.
Debt Advisory Services (Scotland) Limited can help point you in the right direction, providing you with friendly, professional and confidential advice when you need it most.

Debt Management Protocol ApprovedThe first Scottish Debt Management company to be Protocol approved. If you live in scotland you can find out more about managing your debt by read the debt advice and information package created by Scotland’s Insolvency Service. We endeavour to act with integrity at all times and as a member of The Debt Resolution Forum (Industry regulator), you can be confident that you are dealing with a reputable organisation, which upholds a strict Code of Conduct. You may however, still have to pay a management fee in addition to your payments to your creditors if you decide to use the services of a continuing Money Advisor. We see that putting a plan in place to deal with your creditors as being the first step towards your financial rehabilitation and whilst it is imperative that a plan is put in place early to deal with your creditors, moving forward, our Fresh Start programme, which is free of charge, will provide you with simple, straight forward help and advice to help boost your disposable income and deal with your creditors. A Debt Management Plan may be appropriate if you have a temporary financial problem or if you can’t or don’t want to re-mortgage.
It was introduced by the Scottish Government in November 2004 to help people living in Scotland to repay their debts. Bankruptcy is often considered the last resort for people with serious debt problems especially if you have a property to protect.
Any individual who lives in Scotland who is having difficulty in maintaining their payments to creditors can apply for a debt payment plan under DAS.
There are other solutions which can protect your property and allow you to repay your debt in affordable monthly instalments.

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