DAS reviews

DAS review summaries - 2022/2023

Review 1 – Revocation

Total Debt - £28,869.29
Term of Programme – 13 years and 7 months
Money Advisor asked for a review of the revocation as the debtor’s family are now willing to make payments on her behalf.
The reviewing officer noted that the debtor no longer has the surplus income to make a payment to her programme. Her income has now reduced significantly due to having to take early retirement. She can no longer meet the terms of the DAS, DPP by making monthly instalments.
The reviewing officer confirmed the original decision.

Review 2 – Revocation

Total Debt - £10.022.37
Term of Programme – 7 years
MA asked for a review of revocation citing the difficult personal circumstances debtor had to deal with.
The reviewing officer noted the debtor's position however significant payments had been missed. Debtor was not in a financial position for her DPP to proceed.
The reviewing officer confirmed the original decision and DPP was revoked.

Review 3 - Revocation

Total Debt - £28,395.06
Term of Programme – 13 years and 5 months
The DPP was revoked as discretionary condition had not been met. The debtor was to complete a full review of his financial circumstances by 31 December 2021.
Debtor asked for a review of his revocation. Stated that he has willingly made each payment to his DPP and is happy to organise a full review of his financial circumstances with his Money Advisor.
The reviewing officer noted that the debtor had been in contact with his Money Advisor and had made each scheduled payment and was willing to arrange the review.
The reviewing officer allowed the debtor a further opportunity to meet his discretionary condition on his programme. The DAS Administrator decision was revoked and the DPP was re-instated.

Review 4 – Revocation

Total Debt - £35,437.94
Term of Programme – 4 years 7 months
Debtor asked for a review of decision to revoke her DPP on the grounds that she had left her job to ret-train, then suffered from ill health.
The reviewing officer noted the debtor's position however the debtor had missed several payments and provided no evidence that she could afford her DPP going forward.
The reviewing officer confirmed the original decision and DPP was revoked.

Review 5 - Revocation

Total Debt - £55,423.97
Term of Programme – 19 years and 9 months
The DPP was revoked as the debtor had failed to meet her schedule payments, there was 21 payments not met.
The reviewing officer considered the background of the case, including 3 Crisis Breaks, 2 Payment Breaks and 2 Variations to chance the contribution amount. It was also noted that the debtor was no longer working and was in receipt of benefits which was less than her agreed fortnightly instalment.
Taking all the above into consideration the reviewing officer agreed with the decision to revoke the DPP for failing to make payments to the programme when they became due.

Review 6 - Revocation

Total Debt - £50,103.51
Term of Programme – 6 years 10 months
The DPP was revoked as the debtor had failed to meet a discretionary condition. That was to meet with her MA and carry out a review once a payment to a family member had been completed.
The MA requested a review stating that he had carried out a review with the debtor and was about to submit a variation when the DPP was revoked.
The reviewing officer noted that the debtor had made every payment to her DPP and had met with her MA and carried out a review. The discretionary condition had therefore been met.
The decision was revoked and the DPP allowed to continue.

Review 7 - Variation

Total Debt - £90,731.18
Term of Programme – 8 years 11 months
The variation to remove the discretionary condition was rejected by the DAS Administrator. This discretionary condition required the debtor to sell his property and pay a lump sum towards his DPP.
The MA requested a review of the decision, stating that the creditors original claim was not correct, and that the debtor had made all payments to his DPP. The balance of the DPP was much less than the amount required to be paid by the discretionary condition.
The reviewing officer was not satisfied the DAS administrator had fully considered all representations.
The decision was revoked and the variation to remove the discretionary condition was approved.

Review 8 - Revocation

Total Debt - £18,197.19
Term of Programme – 5 years and 8 months
Money Advisor asked for a review of the DAS Administrator decision to revoke the programme. The creditor who submitted the revocation did so on the basis that they had not received any distributed payments since November 2021.
The reviewing officer confirmed with Payments Distributer that two payments of £165 had been received in February and March and distributed to creditors.
The reviewing officer deemed that the grounds on which the programme was revoked no longer justified. The original decision was revoked and the DPP will now be re-instated.

Review 9 - Revocation

Total Debt - £2,006.88
Term of Programme – 4 years and 4 months
The debtor asked for a review of the decision to revoke his DPP. He said that he had changed banks and they had assured him that all his direct debits would be transferred by them to his new bank account. He did not notice that his DAS DPP direct debit did not transfer.
The payment distributor confirmed that the direct debit was cancelled by his old bank, but the new bank did not set up a new one. This confirmed the debtor's chain of events.
The reviewing officer was satisfied that the debtor had provided reasonable cause for the missed payments and had shown a willingness to meet his payments going forward.
The reviewing officer revoked the DAS Administrators decision and the DPP was reinstated.

Review 10 - Approval

Total Debt - £5.050.85
Term of Programme – 6 years and 4 months
A creditor asked for a review of the decision to approve the DPP. He claimed that the debtor had assets that could be realised to pay his debt and it was unfair for him to be forced to agree to a DPP that he was not in favour of.
The MA provided evidence that the assets were of minimal value and would not allow the debt to be repaid. They explained that the alternative to DAS would not result in the creditor receiving their full payment or payment any quicker than the DPP.
The reviewing officer considered the information provided and decided that the DAS Administrators decision to approve the DPP was fair and reasonable and did not err in law.
The reviewing officer confirmed the DAS Administrators decision and the DPP was approved.

Review 11 - Revocation

Total Debt - £59,143.71
Term of Programme – 7 years and 9 months
The debtor asked for a review of the DAS Administrators decision to revoke her DPP. A creditor raised the revocation on the grounds that the debtor was not paying her continuous liabilities.
The debtor admitted that she had failed to keep up with the payments but now had a payment plan in place. The creditor confirmed that an arrangement was now in place however an additional creditor came forward to say that their continuing liability was also not being paid.
The reviewing officer considered the information provided and decided that the DAS Administrators decision to revoke the DPP was correct.
The reviewing officer confirmed the DAS Administrators decision and the DPP was revoked.

Review 12 - Revocation

Total Debt - £8,650.97
Term of Programme – 4 years and 4 months
The MA asked for a review of the DAS Administrators decision to revoke the DPP. The grounds for revocation were that the debtor had missed several payments.
The MA stated that the debtor had encountered issues setting up his direct debits.
The reviewing officer considered the information provided and noted that the debtor had 4 separate occasions where he claimed that he had issues with his direct debits which had prevented payments being made to his DPP.
The reviewing officer confirmed the DAS Administrators decision and the DPP was revoked.

Review 13 - Revocation

Total Debt - £7,094.68
Term of Programme – 1 years and 4 months
The debtor asked for a review of the decision to revoke her DPP. She said that she had met with her MA and agreed that she could only afford to pay a much smaller amount to her DPP.
The reviewing officer noted that the debtor had only made one payment at the agreed amount and made several other payments of smaller and varied amounts.
The reviewing officer considered the information provided and noted that there had been many missed payments. The debtor was not able to maintain their DPP.
The reviewing officer confirmed the DAS Administrators decision and the DPP was revoked.

Review 14 - Variation

Total Debt - £51,611.30
Term of Programme – 10 years and 4 months
The variation request was submitted to allow the debtor's a further 6-month payment break.
The reviewing officer considered the background of the case, including a previous payment break and missed payments. It was also noted that the debtor’s expenditure was significantly higher than their income. The DPP payments are no longer affordable in this case.
Taking everything into consideration it was deemed unfair and unreasonable to allow another variation for a further payment break on this case, the reviewing officer agreed with the decision to reject a further variation.

Review 15 - Revocation

Total Debt - £61,518.46
Term of Programme – 5 years and 3 months
The debtor asked for a review of the decision to revoke his DPP. The creditor claimed that the debtor had not maintained his current liability.
The debtor admitted that the current liability had not been maintained.
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked.

Review 16 - Revocation

Total Debt - £3,134.47
Term of the Programme – 3 years and 1 month
The DPP was revoked as the debtor had failed to meet five scheduled payments to the programme.
The reviewing officer considered that this was the first revocation action to the programme the debtor had been unwell however, showed willingness to complete the programme by paying £480 ad-hoc payment, which covered arrears.
Taking above into consideration the reviewing officer revoked the revocation action and allowed the debtor a further opportunity to complete the DPP.

Review 17 - Revocation

Total Debt - £29,331.05
Term of the Programme – 4 years and 5 months
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
The reviewing officer considered that the debtor has had a payment break and 2 crisis breaks, took out additional credit without MA knowledge
The reviewing officer considered the information provided and noted that there had been many missed payments.
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked.

Review 18 - Revocation

Total Debt - £40,194.14
Term of the Programme – 6 years and 1 month
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
The reviewing officer considered that the debtor has had three crisis breaks and three payment breaks to his DPP since it commenced in 2018. The debtor had then applied for a further payment break which was rejected on 12 April 2022. The debtor has only meet 12 scheduled payments the programme in total.
Within the debtor’s review there was no willingness to commence payments and no real time scale as to when the creditors are likely to receive payments.
Taking above into consideration, the reviewing officer agreed with the DAS Administrator to revoke the DPP.

Review 19 - Revocation

Total Debt - £13,213.11
Term of the Programme – 22 years and 0 month
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
The reviewing officer noted the debtor's position however significant payments had been missed due to paying off a gambling debt. Debtor was not in a financial position for DPP to proceed until later in year
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked.

Review 20 - Revocation

Total Debt - £9,060.42
Term of the Programme – 7 years and 0 month
The debtor asked for a review of the decision to revoke her DPP. She advised that she had recently moved house. Hitting some financial difficulty
The reviewing officer was satisfied that the debtor had provided reasonable cause for the missed payments and had shown a willingness to meet his payments going forward.
The reviewing officer revoked the DAS Administrators decision and the DPP was reinstated.

Review 21 - Approval of a DPP Proposal

Total Debt - £14,760.39
Term of the Programme –18 years and 7 months
The application of the DPP was rejected by the DAS Administrator.
The reviewing officer took into consideration the two discretionary conditions that were attached to the DPP. Both of which the Money Advisor wrote that a review would be complete once the expenditure for HP and Housing repairs were complete. There was no mention of increasing the DPP instalments.
There were also two trigger figures breached – with no notes as to when this was ending or anyway of reducing the costs over the 18 years to increase DPP instalments.
Taking all the above into consideration, the length of programme and the term, the reviewing officer agreed with the DAS Administrator decision to reject the DPP proposal.

Review 22 - Revocation

Total Debt - £12799.95
Term of the Programme – 8 years and 11 months
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
The reviewing officer considered that the debtor has had 2 crisis breaks and 2 payment breaks to his DPP since it commenced in 2017.
The reviewing officer noted the debtor's new position with university course however several payments had been missed. Debtor could not confirm financial position for DPP to proceed.
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked.

Review 23 - Revocation

Total Debt - £22864.04
Term of the Programme – 9 years and 11 months
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
he reviewing officer considered that the debtor has had 2 crisis breaks and 1 payment breaks to his DPP since it commenced in 2019.
The reviewing officer noted the debtor's had a baby however several payments had been missed. Debtor had not engaged with MA about current financial position for DPP to proceed
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked

Review 24 - Revocation

Total Debt - £6,905.60
Term of the Programme –7 years and 5 months
The debtor asked for a review of the decision to revoke his DPP. The DPP had been revoked because he had failed to meet the terms of a discretionary condition and arrange a financial review with his MA. He provided evidence that he had contacted his MA and arranged an appointment. The MA responded to the reviewing officer to say the appointment had not gone ahead because of a reduction in their office hours during covid. The debtor expressed a wish to continue with his DAS And make up the missed payments.
The reviewing officer revoked the DAS Administrators decision, and the debtor was afforded an opportunity to carry on with his DPP

Review 25 - Revocation

Total Debt - £4,358.18
Term of the Programme –3 years and 1 months
The debtor asked for a review of the DAS Administrators decision to reject a variation to her DPP. She cited that the cost of living had had a real impact on her ability to maintain her DPP.
The reviewing officer noted from the case that all but one of the creditors had approved the variation. The creditor who rejected it did so because their debt was the incorrect amount.
The reviewing officer observed that a DPP was an agreement between creditors and the debtor. With a significant majority of creditors in favour of the variation it did not appear to be fair or reasonable for the DAS Administrator to reject it.
Taking all the above into consideration, the reviewing officer revoked the decision of the DAS Administrator and the variation to reduce the debtors' payments was approved.

Review 26 - Revocation

Total Debt - £4358.18
Term of the Programme – 3 years
The DPP was revoked as the debtor has continued to use account which is included in DPP
The reviewing officer considered the information provided and noted that there had been several missed payments and could not find evidence to support they had paid more to DPP
The reviewing officer had observed that you had been in contact with your MA on several occasions advising of your situation and had been informed of use of bank account.
Taking everything into consideration the reviewing officer agreed that the DAS administrator had made the correct decision and the DPP was revoked.

Review 27 - Revocation

Total Debt - £45900.26
Term of the Programme – 9 years and 11 months
The DPP was revoked as the debtor has failed to meet scheduled payments to the programme.
The MA responded to the original revocation and submitted review due to this not being addresses in the revocation. DAS regs not being followed
he reviewing officer revoked the DAS Administrators decision, and the debtor was afforded an opportunity to carry on with his DPP

Review 28 - Approval of a DPP

Total Debt - £194,382.28
Term of the Programme – 227 years and 3 months
The DPP was accepted in error as fair and reasonable test did not automatically generate due to % accepted
The total debt was misrepresented as one of the debts had been duplicated with an extra 0 added.
Once fair and reasonable test carried out application was rejected
MA wanted application to be accepted.
The reviewing officer agreed with the DAS administrator and the application was rejected.

Review 29 - Revocation

Total Debt - £4060.04
Term of the Programme – 2yr and 9months
The DPP was revoked by the DAS Administrator under Regulation 27(2)(c) the debtor or failing to pay continuing liability
A review was received from the debtor which stated that due to financial hardship he had been struggling to pay council tax but had secured new job
The reviewing officer contacted MA for CFS but advised client advised no amendments needed and no evidence of new salary provided
The reviewing officer was not satisfied that the debtor was in financial position to continue to make payments. The DAS Administrator decision was confirmed and the DPP remained revoked.

Review 30 - Approval of a DPP

Total Debt – £34,674.34
Term of Programme – 8 years and 1 month
The DPP was approved by the DAS Administrator under the Fair and Reasonable Test.
A creditor asked for a review. Stating that the balance within the DPP was incorrect.
The reviewing officer confirmed the DAS Administrator’s decision and explained to the creditor that a Form 4 to vary the balance was required.

Review 31 - Revocation

Total Debt - £11,495.78
Term of the Programme – 5 years
The DPP was revoked by the DAS Administrator under Regulation 27(2)(b) the debtor had missed nine scheduled payments to the programme.
A review was received from the debtor which stated that the debtor did not receive her proposal to revoke letter.
The reviewing officer determined that the proposal to revoke letter was issued to the debtor’s previous address, although the debtor had updated her current address with the MA. The legalisation confirms that the debtor requires a 4 weeks' notice period before revoking the programme.
The reviewing officer revoked the DAS Administrator decision and the DPP was re-instated due to an error in law.

Review 32 - Revocation

Total Debt – £21,643.22
Term of Programme – 11 years
The DAS Administrator revoked the DPP because the debtor had failed to meet her continuing liabilities.
The debtor asked for a review of the decision stating that she had issues with the creditor and a formal arrangement to address the arrears was now in place.
The reviewing officer noted that the debtor's income had halved, and no change of circumstances had been reported to her MA. The arrears to the creditor were now being deducted from her benefits. The reviewing officer was not satisfied that the DPP remained affordable and agreed with the DAS Administrators decision. The DPP was revoked.

Review 33 - Revocation

Total Debt - £9,167.57
Term of Programme – 8 years and 5 months
The DAS Administrator revoked the DPP as the debtor had failed to make all scheduled payments to the DPP.
The reviewing officer noted that this was the second revocation action on the programme. A previous revocation action, submitted for the same breach of a standard condition, had been rejected to allow the debtor to continue to make payments.
The reviewing officer was not satisfied that the debtor could afford to continue to make payments. The DAS Administrator decision was confirmed and the DPP remained revoked.

Review 34 - Revocation

Total Debt – £16,939.53
Term of Programme – 6 years 4 months
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to her DPP.
The debtors MA asked for a review of the decision stating that his client had been experiencing financial difficulties.
The reviewing officer noted that a variation had previously been submitted and the expenditure on that did not match the current claimed expenditure. Some essential items had been omitted from the current expenditure.
The reviewing officer was not satisfied that the debtors DPP remained affordable, confirmed the DAS Administrators decision and the DPP was revoked.

Review 35 - Revocation

Total Debt - £14,058.94
Term of the Programme – 8 years and 1 month
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments as they fell due.
The debtor asked for a review of decision as he was selling his property and is on universal credit.
The reviewing officer had noted that the debtor had 20 missed payments, numerous payment and crisis breaks and a previous revocation that was rejected to allow the debtor to make payments.
The reviewing officer agreed with the DAS Administrator decision to revoke the DPP the debtor can no longer afford the monthly instalments.

Review 36 - Revocation

Total Debt - £40,578.92
9 years and 11 months
The DAS Administrator revoked the DPP as the debtor’s had failed to meet their discretionary condition to increase the DPP payments to £300 per month three months after the programme was approved.
The reviewing officer noted that the revocation was raised by an organisation who were no longer a creditor within the DPP.
The reviewing officer had to revoke the DAS Administrator decision in line with DAS Regulation 41(1)(b) where it states that only a creditor who is participating in the programme can raise revocation action.

Review 37 - Revocation

Total Debt - £30,541.26
5 years and 9 months
The DAS Administrator revoked the DPP the debtor had paid a creditor, who was in the programme, out with the programme.
The debtor stated that she was not aware that she should be paying a creditor out with the programme.
The reviewing officer agreed with the DAS Administrator’s decision as the debtor had breach her conditions of the programme.

Review 38 - Revocation

Total Debt - £12,757.36
5 years 4 months
The DAS Administrator revoked the DPP because the debtor had missed several payments.
The money advisor, on behalf of the debtor, said that her client had been unwell and had been in and out of hospital and a 2-month payment break was ready to be submitted.
The reviewing officer considered all the information and confirmed the DAS Administrators decision. The DPP was revoked.

Review 39 - Revocation

Total Debt –£23387.17
Term of Programme – 9 years 8 months
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The money advisor, on behalf of the debtor, said that her client had an incurable serious medical condition making it difficult to communicate
Payment not received from previous revocation
The reviewing officer considered all the information and confirmed the DAS Administrators decision. The DPP was revoked.

Review 40 - Revocation

Total Debt – £16,244.62
Term of Programme – 4 years 2 months
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The debtors asked for a review of the decision stating that his standing order had cancelled when he reset his online banking and he did not notice.
The reviewing officer noted that the debtor had missed 43 scheduled payments.
The reviewing officer was not satisfied that the debtor had provided reasonable cause for the missed payments, confirmed the DAS Administrators decision and the DPP was revoked.

Review 41 - Revocation

Total Debt – £28,729.43
Term of Programme – 14 years
The DAS Administrator revoked the DPP because the debtor had failed to meet a discretionary condition to pay a lump sum of £2,500 to his DPP.
The debtor provided reasonable cause to show that this payment was out of his hands, and he was relying on his ex-partner selling a joint asset before he could meet the discretionary condition. The debtor had made every payment towards his DPP.
The reviewing officer was satisfied that the debtor would meet his discretionary condition as soon as was practicable. The DAS Administrators decision was revoked and the DPP was allowed to continue. The debtor was advised to discuss the situation with his MA with a view to submitting a variation.

Review 42 - Revocation

Total Debt – £18,640.62
Term of Programme – 12 years 1 month
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The debtors asked for a review of the decision stating that there was a change in their circumstances and starting new job.
The reviewing officer noted that the debtor had 3 previous revocations and given opportunity to speak to MA, which was never done.
The reviewing officer was not satisfied that the debtor had provided reasonable cause for the missed payments, confirmed the DAS Administrators decision and the DPP was revoked.

Review 43 - Rejection

Total Debt – £273,366.53
Term of Programme – 39 years 7 months.
Discretionary Condition to sell his property and pay off his DPP in 12 months.
The DAS Administrator revoked the application because the MA did not provide evidence of the property evidence.
The debtor provided a property valuation and a redemption figure to the reviewing officer.
Based on the information supplied the reviewing officer was satisfied that the debtor could meet his discretionary condition and revoked the DAS Administrators decision.

Review 44 - Revocation

Total Debt – £8578.49
Term of Programme – 2 years 11 months.
he DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The debtors asked for a review of the decision stating that there was a change in their circumstances and guaranteed additional funding through second job.
Debtor asked to provide contract or letter regarding second job, none provided
The reviewing officer had noted that the debtor had 24 missed payments, numerous payment and crisis breaks and a previous revocation that was rejected to allow the debtor to make payments.
The reviewing officer agreed with the DAS Administrator decision to revoke the DPP the debtor can no longer afford the monthly instalments.

Review 45 - Revocation

Total Debt – £6451.25
Term of Programme – 7 years 1 months.
he DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The debtors asked for a review of the decision stating that there was a change in their circumstances and starting new job.
No new CFS completed
The reviewing officer had noted that the debtor had 19 missed payments, numerous payment and crisis breaks and a previous revocation that was rejected to allow the debtor to make payments.
The reviewing officer was not satisfied that the debtors DPP remained affordable, confirmed the DAS Administrators decision and the DPP was revoked.

Review 46 - Revocation

Total Debt – £31531.16
Term of Programme – 6 years 8 months.
The DAS Administrator revoked the DPP because the debtor had failed to make all scheduled payments to his DPP.
The reviewing officer noted that this was the second revocation action on the programme. A previous revocation action, submitted for the same breach of a standard condition, had been rejected to allow the debtor to continue to make payments.
The reviewing officer had noted that the debtor had 17 missed payments, taken payment and crisis breaks.
The reviewing officer was not satisfied that the debtors DPP remained affordable, confirmed the DAS Administrators decision and the DPP was revoked.

Review 47 - Revocation

Total Debt - £9,009.32
Term of Programme – 3 years
The DAS Administrator revoked the DPP because the debtor had failed to pay his on-going liability – his council tax for the year 2021/2022.
The reviewing officer noted that this is the debtor’s first revocation action, the council who submitted the revocation, stated that the debtor has paid some of the arrears and has arranged to pay the rest. They would be happy for the DAS to continue.
The reviewing officer allowed the debtor a further opportunity for the debtor to remain in his DPP and overturned the DAS Administrator’s decisions.

Review 48 - Revocation

Total Debt - £49,165.283
Term of Programme – 9 years
The DAS Administrator revoked the DPP because the debtor had failed to pay an on-going liability - council tax for the year 2021/2022.
The reviewing officer noted that the debtor had failed to respond to council after numerous letters and attempts to recover the debt. The debtor also missed scheduled payments to his DPP.
The reviewing officer agreed with the DAS Administrator decision and the DPP remain revoked.

Review 49 - Revocation

Total Debt - £5699.38
Term of Programme – 4 years 3months
The DAS Administrator revoked the DPP because the debtor had failed to pay make payments when they became due
The reviewing officer noted that the debtor had failed to contact his MA despite continued efforts from MA
The reviewing officer agreed with the DAS Administrator decision and the DPP remain revoked.

Review 50 - Revocation

Total Debt - £32,417.38
Term of Programme – 7 years & 8 months
The DAS Administrator revoked the DPP as the debtor had failed to pay an on-going liability – debtor has not paid mortgage payments since March 2021
The reviewing officer noted this was the debtor’s 3^rd revocation action to the case and the debtor had failed to supply information regarding his mortgage
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain revoked.

Review 51 - Revocation

Total Debt - £14780.16
Term of Programme – 5 years & 11 months
The DAS Administrator revoked the DPP because the debtor had failed to pay make payments when they became due
The reviewing officer noted that the debtor had failed to contact her MA despite continued efforts from MA since October 2021
The debtor did not provide any evidence to support financial situation
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain revoked.

Review 52 - Revocation

Total Debt - £32,410.21
Term of Programme – 7 years and 7 months
The DAS Administrator revoked the DPP as this was the second revocation to the programme. The debtor had failed to pay council tax for 2021/2022 and 2022/2023
The review officer noted that the debtor had already been given a previous opportunity to remain the programme and representations received from another creditor who stated that they had failed to pay their on-going liability.
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain revoked.

Review 53 - Approval of a Programme

Total Debt - £50,904.76
Term of Programme 8 years and 6 months
The DAS Administrator approved the programme as there was a discretionary condition attached that the debtor would pay £20,000 two years after the approval of the programme.
A creditor with 94.01% of the total debt asked for a review of the approval of the programme stating that the income and expenditure was not accurate.
The DAS Administrator considered the term of the programme and the discretionary condition attached which would significantly reduce the term to 3 years and 4 months. It was found fair and reasonable for the DPP to be approved.
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain approved.

Review 54 - Revocation

Total Debt - £18266.56
Term of Programme 4 years and 10 months
The DAS Administrator revoked the DPP because the debtor had failed to pay make payments when they became due
The reviewing officer determined that the proposal to revoke letter was issued to the debtor’s previous address, although the debtor had updated her current address with the MA. The legalisation confirms that the debtor requires a 4 weeks' notice period before revoking the programme.
The reviewing officer revoked the DAS Administrator decision and the DPP was re-instated.

Review 55 - Revocation

Total Debt – £5,288.77
Term of Programme – 5 years and 6 months
The DAS Administrator revoked the DPP due to the debtor missing six payments to the DPP, failure to submit a tax return and failure to pay an on-going liability.
The reviewing officer considered this is the third revocation action to the DPP. Agreed with the debtor’s failure to make payments to the DPP however, the review found that the debtor may not owe the sum due to on-going liability or requirement to complete the tax return however, no action was taken by CMA or debtor to rectify the situation.
The reviewing officer agreed with the DAS Administrator decision that the debtor had failed to adhere to a standard condition of the programme by missing DPP payments.

Review 56 - approval

Total Debt – £18464.21
Term of Programme – 9 years and 2 months
The reviewing officer noted there was 100% non-consent from the creditors
The review officer noted that the debtor had advised he had medical condition that may prevent him returning to work
The reviewing officer agreed with the DAS administrator's decision and the DPP proposal was rejected.

Review 57 - Revocation

Total Debt – £15080.04
Term of Programme – 5 years and 11 months
The DAS Administrator revoked the DPP because the debtor had failed to pay make payments when they became due
The reviewing officer noted that the creditor who has submitted the revocation had asked for the DPP to continue due to the debtor's medical condition & surgery
The reviewing officer agreed with the DAS administrator's decision and the DPP proposal was rejected.

Review 58 - Variation

Total Debt – £36,048.46
Term of Programme – 9 years and 11 months
A major creditor objected to the variation which proposed to remove the discretionary condition. The effect of removing this would be to increase the term of the DPP by 18 years.
The DAS Administrator rejected the variation.
The reviewing officer agreed with the DAS administrator's decision and the variation to the DPP was rejected.

Review 59 - Revocation

Total Debt – £5700.16
Term of Programme – 4 years and 5 months
The DAS Administrator revoked the DPP because the debtor had failed to make payments when they became due
The reviewing officer noted that the debtor had failed to contact her MA regarding there change of circumstances and finances
The debtor did not provide any evidence to support financial situation but advised now on benefits
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain approved.

Review 60 - Revocation

Total Debt – £29950.89
Term of Programme – 9 years and 6 months
The DAS Administrator revoked the DPP because the debtor had failed to pay an on-going liability.
The reviewing officer noted that the debtor had an earnings arrestment in place.
The debtor did not provide any evidence to support financial situation
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain revoked.

Review 61 - Revocation

Total Debt – £7798.84
Term of Programme – 14 years and 2 months
The DAS Administrator revoked the DPP because the debtor had failed to pay first payment and make payments when they became due
The reviewing officer noted that the debtor had failed to contact her MA
The debtor did not provide any evidence to support financial situation
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain approved.

Review 62 - Revocation

Total Debt - £39,211.52
Term of Programme – 11 years and 8 months
The DAS Administrator revoked the DPP due to the debtor failing to pay an on-going liability. He owed outstanding tax.
The review officer noted that creditor had confirmed that the debtor had made the payment to his tax.
The reviewing officer revoked the DAS Administrator’s decision and allowed the debtor another opportunity to pay his DPP.

Review 63 - Revocation

Total Debt – £18648.56
Term of Programme – 5 years and 10 months
The DAS Administrator revoked the DPP because the debtor had failed to pay an on-going liability
The reviewing officer noted that the debtor had failed to contact her MA regarding there change of circumstances and finances
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain approved.

Review 64 - Revocation

Total Debt - £29,035.25
Term of Programme – 11 years and 10 months
The DAS Administrator revoked the DPP as the debtor had missed 11 payments to the DPP and five were the most recent payments.
The reviewing officer reviewed the DPP and there has been five variations and five revocations action to the DPP. The debtor has been afforded an opportunity to continue in the programme.
The reviewing officer confirmed the DAS Administrator’s decision and the DPP remained revoked.

Review 65 - Revocation

Total Debt – £383,620.76
Term of Programme – 9 years and 9 months
The DAS Administrator revoked the DPP because the debtor had failed to meet a discretionary condition.
The MA provided evidence to support that the debtor was due to receive a lump sum imminently that would allow the discretionary condition to be met,
The reviewing officer allowed the debtor further time to meet his discretionary condition and revoked the DAS Administrators decision.

Review 66 - Revocation

Total Debt – £34,108.31
Term of Programme – 9 years and 11 months
The DAS Administrator revoked the DPP because the debtor had failed to pay first payment and make payments when they became due
The reviewing officer noted that the debtor had failed to contact her MA
The reviewing officer agreed with the DAS Administrator’s decision and the DPP will remain approved.

Review 67- Revocation

Total Debt: £29,035.25
Term of Programme: 11 years and 10 months
The DAS Administrator revoked the DPP because the debtor the debtor had missed payments to her DPP in total 11 payments were missed.
The reviewing officer noted that the debtor had an increase in her mortgage payments and an unexpected vehicle bill.
The reviewing officer noted that they had not been satisfied that with the change in the debtor’s expenditure that she would be able to afford her DPP.
The reviewing officer agreed with the DAS Administrator’s decision and the DPP remained revoked.

Review 68 - Revocation

Total Debt – £10,725.50
Term of Programme – 9 years
The DAS Administrator revoked the DPP because the debtor had failed to pay a continuing liability.
The reviewing officer noted that the debt owed was not a continuing liability and should have been included in his DPP.
The reviewing officer revoked with the DAS Administrator’s decision and the DPP was reinstated.

Review 69 - Revocation

Total Debt: £19,601.41
Term of Programme: 8 years
The DAS Administrator revoked the DPP as the debtor had failed to make payments to the programme. There were 13 missed payments in total
The reviewing officer noted within the review that the debtor was not employed and could not make payments without secure employment
The reviewing office agreed with the DAS Administrator and the DPP remained revoked.

Review 70 - Variation

Total Debt: £10284.28
Term of Programme: 3 years and 4 months
The DAS Administrator rejected variation for 6-month payment break on grounds debtor had just finished a payment break
The reviewing officer noted that 6-month previous payment break ended 31 December 2022 and wished new payment break to start 1 January 2023 for 6 months until debtor returned to work from parental leave.
The reviewing office agreed with the DAS Administrator and the variation remained revoked.

Review 71 - Revocation

Total Debt: £12,331.35
Term of Programme: 4 years and 2 months
The DAS Administrator revoked the DPP as the debtor missed three scheduled payments to the programme
Th reviewing officer noted that this was the debtor’s first revocation and had medical problems which she had sought relevant help. She took full accountability for missed payments.
The reviewing officer allowed the debtor a further opportunity to remain within her DPP and revoked the DAS Administrator’s decision.

Review 72 - Revocation

Total Debt: £21319.75
Term of Programme: 7 years and 4 months
The DAS Administrator revoked the DPP as the debtor missed three scheduled payments to the programme
Th reviewing officer noted that this was the debtor’s first revocation and had medical problems which they had sought relevant help. There was also an issue with new bank card and the PD confirmed this had been the issue
The reviewing officer allowed the debtors a further opportunity for the debtors to remain in their DPP and overturned the DAS Administrator’s decisions.

Review 73 - Revocation

Total Debt: £43,499.22
Term of the Programme: 12 years
The DAS Administrator revoked the DPP as the debtor’s took out credit over £2,000 which is breaching regulation 27 (2) (e)not apply for or obtain credit beyond that permitted by regulation 33(1)(b), or by a variation of a programme approved under regulation 38
The reviewing officer understood the debtor’s had taken out eleven varies loans over a period of many years through the term of the DPP.
The reviewing officer agreed with the DAS Administrator decision due to the continued breach in regulations the DPP remained revoked.

Review 74 - Revocation

Total Debt: £24638.33
Term of Programme: 7 years and 4 months
The DAS Administrator revoked the DPP as the debtor missed twenty scheduled payments to the programme
The reviewing officer noted that this there had been various payment and crisis breaks
I have noted that a previous revocation was rejected to allow opportunity to meet conditions.
The reviewing officer contacted the MA to establish if they had been informed of issues raised in review. Current income and expenditure not known

The reviewing officer agreed with the DAS Administrator decision that the DPP should remain revoked.

Review 75 - Revocation

Total Debt: £12,496.01
Term of the Programme: 11 years and 4 months
The DAS Administrator revoked the DPP on two grounds. Debtor failed to meet on-going liability, council tax and there was a material change in the debtor’s circumstances. Debtor had bought a property and failed to inform DAS Administrator or Money Adviser within the seven-day period set out in regulations.
The reviewing officer contacted the council, and they confirmed that the debtor had paid on-going liability. However, the reviewing officer confirmed that the debtor’s did have a material change in circumstances in that they did buy a property and failed to inform DAS Administrator or Money Adviser within the seven-day period.
The reviewing officer agreed with the DAS Administrator decision that the DPP should remain revoked.

Review 76 - Fair and Reasonable

Total Debt: £67017.21
Term of the Programme: 13 years and 11 months
The DAS Administrator rejected the DPP proposal.
Due to confusion with regards to two creditor debts being sold I contacted both the creditor and the MA. Creditor confirmed one debt had been sold at time of application and the other was in the process. This did not allow the correct creditor opportunity to reject or accept offer
MA confirmed that I&E was correct, and house owned outright but no response if the property was solely or jointly owned
The reviewing officer agreed with the DAS Administrator decision that the DPP application should be rejected.

Review 77 - Revocation

Total Debt - £8023.06
Term of Programme – 9 years and 4 months
The DAS Administrator revoked the DPP the debtor had not been paying council tax liability. It was also noted that the debtor only made one payment to the programme since the programme had begun in September 2022.
The reviewing officer also noted that the debtor had not being paying rent. The debtor had not made arrangements to pay her council tax arrears or rent arrears, confirmed by the council.
The reviewing officer noted that the debtor was still in breach of standard condition and agreed with the DAS administrator's decision to revoke the DPP.

Review 78 - Revocation

Total Debt - £13387.07
Term of Programme – 3 years and 1 months
The DAS Administrator revoked the DPP as the debtor missed nine scheduled payments to the programme
I have noted that a previous revocation was rejected to allow opportunity to meet conditions.
I noted from the review that you had missed 2 appointments with your MA, who confirmed that they had contacted you but no response to missed appointments.
The reviewing officer also noted that the debtor had moved address and changed job but no review or CFT completed, therefore income and expenditure unknown
The reviewing officer noted that the debtor was still in breach of standard condition and agreed with the DAS administrator's decision to revoke the DPP.

Review 79 - Revocation

Total Debt - £5528.59
Term of Programme – 2 years and 3 months
The DAS Administrator revoked the DPP as the debtor missed nine scheduled payments to the programme
I have noted that a previous revocation was rejected to allow opportunity to meet conditions.
Following DPP being re-instated no further payments were received and MA indicated that debtor had not been in touch until new revocation letter received
The reviewing officer noted that the debtor was still in breach of standard condition and agreed with the DAS administrator's decision to revoke the DPP.

Review 80 - Revocation

Total Debt - £19,812.19
Term of the Programme – 12 years and 10 months
The DAS Administrator revoked the DPP as the debtor had failed to pay her council tax liability
The debtor asked for a review of that decision as she was in an accident and the council were made aware of it.
The reviewing officer gave the debtor the opportunity to resolve the issue by contacting the council.
The debtor contacted the council and made arrangements to resolve the arrears – confirmed by the council
The reviewing officer noted that this was the 1^st revocation action on the case the debtor had never missed a DPP payment and now that the council tax issue was resolved, the DPP was revoked, and the DAS Administrator decision was overturned.

Review 81 - Variation

Total Debt - £63248.65
Term of the Programme – 21 years and 1 months
The DAS Administrator approved variation from creditor to increase original debt due to error
The debtor through MA asked for a review of that decision under section 36(3A) and 36 (2) or the DAS regs
The reviewing officer contacted the MA to establish if under 36 (2) the creditor had made reasonable attempts to contact the debtor. MA advised this had not happened
Creditor also confirmed they had not contacted the debtor and asked for the variation to be withdrawn
The reviewing officer overturned the DAS Administrator’s decisions, and the variations was rejected.

Review 82 - Revocation

Total Debt - £13,732.22
Term of Programme – 2 years and 6 months increased to over 5 years and 3 months
The DAS Administrator revoked the DPP as the debtor had failed to maintain the DPP payments.
The debtor asked for a review explaining that he could now make payments to his DPP.
The reviewing officer noted that there was a total of over 10 payments missed and that this was the debtor’s 3^rd revocation action. They also had six payment breaks and one variation to decrease the monthly instalment.
The reviewing officer agreed with the DAS Administrator decision to revoke the DPP as the debtor was still in breach of standard condition of the programme.

Review 83 - Revocation

Total Debt - £7718.63
Term of Programme – 8 years and 6 months
The DAS Administrator revoked the DPP as the debtor had failed to maintain the DPP payments.
The MA asked for a review explaining that the debtor had made full payment but due to banking error was delayed.
MA confirmed and provided evidence that the full payment was now in account.
The reviewing officer overturned the DAS Administrator’s decisions to allow the account to be paid in full.

Review 84 - Approval of a Programme

Total Debt - £104,213.38
Term of Programme – 8 years and 9 months
The DAS Administrator revoked the debtors DPP because she had missed 3 consecutive payments.
The debtor provided the reviewing officer with reasonable cause for the missed and provided evidence that she would return to work early following parental leave. This would allow her to resume payments immediately.
The reviewing officer was satisfied that the debtor had provided reasonable cause for the missed payments and had shown a willingness to resume payments immediately and successfully complete her DPP.
The reviewing officer revoked the DAS Administrators decision and the DPPP was reinstated.

Review 85 - Revocation

Total Debt - £99061.07
Term of Programme – 4 years and 7 months
The DAS Administrator revoked the DPP as the debtor had failed adhere to discretionary condition
The debtor asked for a review explaining that they had used the proceeds from house sale to pay bills and given daughter money
The reviewing officer noted that this was the debtor’s 4th revocation action. They also had 2 payment breaks and three variation, one being to reduce contributions and another to increase.
Following previous revocation debtor was asked to provide evidence where funds had been spent. A couple of invoices were received. It was also noted that debtor saes thy took loan from relative.
The reviewing officer agreed with the DAS Administrator decision to revoke the DPP as the debtor was still in breach of standard condition of the programme.

Review 86 - Revocation

Total Debt - £14,245.17
Term of Programme – 11 years and 4 months
The DAS Administrator revoked the DPP because the debtor had failed to make all payments when they became due. The debtor had been on a 6-month payment break due to parental leave but had failed to resume payments when the payment break ended.
The reviewing officer received representation from the debtor that confirmed that she was returning to work early from her parental leave and she expressed a willingness to complete her DPP.
The reviewing officer revoked the DAS administrator's decision and her DPP was reinstated.

Review 87 - Revocation

Total Debt - £51,844.34
Term of Programme – 6 years and 4 months
The DAS Administrator revoked the DPP because the debtor failed to pay a continuing liability. The debtor failed to pay HMRC debt.
The reviewing officer received representations from HMRC to confirm that the debtor had made the payment to the continuing liability and after an adjustment they wish to vary the DPP to remove their debt.
The reviewing officer noted that the debtor had only missed 2 payments to the programme and the continuing liability is no longer due.
The reviewing officer revoked the DAS administrator's decision and her DPP was reinstated.

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DAS reviews

DAS review summaries - 2022/2023