Publications
Guidance
Legislation
Forms
Business DAS
eDEN
Publications
Information Booklets
The Debt Arrangement Scheme Information Booklet provides general information for people who owe money (debtors).
The Creditor Information Booklet provides general information for people who are owed money (creditors).
Each guide may also avaliable in alternative languages. Please email AiB facilities management to request a translation.
Business DAS
The Information Booklet provides general information on Business DAS for people who owe money (debtors).
The Creditor Information Booklet provides general information on Business DAS for people who are owed money (creditors).
Please note that these booklets provide general information on DAS and are not intended as a full statement of the law.
Guidance
Temporary measures
A process was developed to allow DAS money advisers to submit a Low and Grow DAS application, where a DAS clients payments may be low to begin with, and increase by a specified date as their financial circumstances improved, thereby reducing the overall term of the programme.
The Low and Grow approach only applied to clients who are in financial difficulty but where the money adviser believes this to be temporary and a DPP is still the best long-term financial solution for the client. Full details can be found in the DAS guidance for advisers and creditors for DPP applications made under the Low and Grow process.
General
DAS client
- User guide for clients - eDEN
- Quick guide - Accessing eDEN
- Quick guide - Setting up payments on eDEN where AiB is payment distributor
- Request for creditor to write off debt
Money adviser
- Guidance for Money Advisers
- eDEN user guide - Guidance for money advisers
- Money adviser guide to applying for a DPP on eDEN
- Guidance on creating and submitting a variation application as a money adviser
- Money Adviser request to creditor for debt write-off guidance
- Debt Confirmation process for MAs and CMAs on eDEN
- Nomination of AiB as Payments Distributor
- Fair and reasonable test
Temporary changes
- eDEN User Guide for Money Advisers - Low and Grow DPP
- Low and Grow Process - Guidance for Advisers - December 2020
Continuing Money Adviser
- Guidance for Continuing Money Adviser
- eDEN User Guide - Issuing Letters as a Continuing Money Adviser
Creditors
- Guidance for creditors
- Confirming debts and voting on proposals as a creditor on eDEN
- Creditor guide to creating a variation on eDEN
- Creditor guide to creating a revocation on eDEN
- Guidance for all creditors
Employers
Payment Distributor
- Guidance for Payments Distributors
- eDEN user guide - Guidance for Payment Distributors
- DAS - Roles, Responsibilities and Obligations - Guidance for all DAS Payments Distributors
Sensitivity Obligation - Public registers
Legislation
Current legislation
All current and previous legislation is available on the government legislation website.
Forms
Schedule 1 of The Debt Arrangement Scheme (Scotland) Regulations 2011 contains various statutory forms that should be completed in respect of DAS.
- Application to register as a Debt Arrangement Scheme (DAS) approved Payments Distributor
- Form 1 - Application for approval of a debt payment programme
- Form 2 - Notification to creditor of approval of a debt payment programme
- Form 3 - Payment instruction to employer
- Form 4 - Application for variation of a debt payment programme
- Form 5 - Application for revocation of a debt payment programme
The forms should be submitted through eDEN. If this is not possible, these forms can be submitted manually.
Business DAS
Guidance
Business DAS forms
- Form 1B - Application for approval of a Business Debt Payment Programme
- Form 2B - Notification to Creditor of approval of Business Debt Payment Programme
- Form 4B - Application for variation of Business Debt Payment Programme
- Form 5B - Application for revocation of Business Debt Payment Programme
- Form 7 - Declaration for viability
eDEN
eDEN release notes
The latest eDEN release notes explain changes and enhancements made to the system are available below:
Previous release notes can be requested from the eDEN enquiries mailbox.