Notes for Guidance - Money adviser - Debt Arrangement Scheme

A DPP reaches completion when the client has made all the payments, or has made a lump sum payment equal to the sum of all outstanding payments. 

The debt in the DPP will have been paid in full, minus the fees paid to the DAS Administrator or payments distributor.

If the creditors in the programme agree in writing to the completion before the scheduled end of the programme, the DPP can be treated as if it has been completed. For example, if all the creditors agree to write-off the outstanding debt due to them.

In these circumstances, you must apply for a variation to adjust the balances to allow the DPP to be completed.

In cases where you, or the client, have negotiated payment of a reduced lump sum amount, in exchange for early settlement of the debt or debts, you must also apply for a variation to adjust the balances. 

Guidance on partial settlement variations is available from the DAS team.

The payments distributor will write to notify the completion of the programme to:

• the DAS Administrator
• any continuing money adviser
• the client 
• each creditor taking part in the programme

The DAS Administrator, or continuing money adviser will inform the client’s employer in cases where payments to the programme were being made directly from the client’s wages.

If any party in the DPP has any enquiries about the completion of the DPP or if a creditor does not believe the debt has been fully paid, they should contact you in the first instance.