A debt payment programme (DPP) is a debt solution available under the Debt Arrangement Scheme (DAS) for people based in Scotland. A DPP can help you to repay your debts at a rate that’s affordable to you.
If you’ve had a debt advice session with us and we’ve recommended a DPP through the Debt Arrangement Scheme, it’s because we believe it’s the best solution for your debt problem. Here you’ll find answers to questions you may have and other information that can make things easier during your DPP.
On this page you'll find...
A timeline that tells you what you can expect over the course of your DPP, from how to deal with creditor contact to when you’ll need to review your budget with us.
A step-by-step guide on the information we need you to provide us in order to process your DPP.
The MoneyAware team are here to support you while you’re sticking to a budget with money-saving tips and ways to increase your income.
If you need any help setting up your DPP or advice during your programme, including changes in your income, creditor support and annual reviews you can contact our Scotland team on 0800 652 7491, Monday to Friday, 8am to 6pm.
How to set up your DPP
To ensure your DPP is set up as quickly as possible please send all of this information to us in one go.
1. Proof of your income. This should be your most recent three months wage slips, or 13 consecutive pay slips if you’re paid weekly and they need to match the amount you said to us during your debt advice session. If it doesn’t, make sure you include a note to tell us why.
If you're receiving benefits we'll also need proof of these (including child benefit). This proof can be your most recent award letter if you received this in the last three months, or bank statements to show the amount, type and frequency of payments.
2. A recent statement or letter from each of your creditors. This should show your account details, balance and the creditor’s postal address. If possible this should be dated within the last month.
3. Your signed DPP declaration and DPP mandate. Without this we can’t contact your creditors.
4. The Direct Debit mandate, must be complete so we can put your payment in place.
5. Proof of your essential expenditure. These are things such as:
• Rent, mortgage payments and/or secured loans
• Mortgage endowment, mortgage PPI payments and/or building and contents insurance
• Council tax
• Gas, electricity and/or other utilities such as coal or oil
• Pension payments
• Life insurance
• Any fines, maintenance or child support
• Hire Purchase (HP) or goods on a conditional sale agreement
• Child care costs and adult care costs.
If these things are paid by Direct Debit or standing order from your bank account, a copy of your most recent full month bank statement is sufficient. Alternatively, receipts will be required, or a copy of any agreement or document showing the amounts and frequency of payments.
We’ll also require evidence of any other household costs that we discussed during your debt advice session.
You can post any supporting documents to:
Plan Activations, StepChange Debt Charity, 33 Bothwell Street, Glasgow, G2 6NL