Welcome to the

DAS Workshops

September 2012

Welcome

Programme:

• 10:00 – Purpose & Background

• 10:20 – Workshops (in groups)

• 11:30 – Feedback

• 12:15 – Collate

• 12:30 – Close

Purpose

Review current provisions of Debt Arrangement Scheme (Scotland) Regulations 2011:-

• What’s working well

• What’s not working so well

• What do we need to address

• How can we work better together

The Changes

• Widen Money Advice Gateway• DAS Administrator administers

DPPs from free sector money advisers (MAs)

• Update the approval process to become DAS Approved MA

• New central IT system – DASH• Joint DPP for couples• DPPs for single debts• 6-month payment holiday• Change payment distribution

process• Recovers costs to public purse

The Benefits

• Increased transparency through DASH

• Increased choice and availability to debtors

• Regulations to improve payment distribution

• Creditors more involved in the process

DPPs by financial year

Year 2005/06 2006/07 2007/08 2008/09 2009/10 2010/11 2011/12

DPPs 149 134 442 386 1,417 1,910 3,319

Some Numbers

For the Review Period

Applications:• 4689 DPP applications under new Regulations• 4,164 DPP applications approved• 741joint application• 111 applications with single debt• 798 DPP applications approved automatically

Some Numbers

Some Numbers

Variations (includes payment holidays):• 993 applications to vary a DPP

– 974 variations approved

– 21 variations rejected

Fair & Reasonable Tests:

• Approx 4300 applications where F&R carried out

• Approx 2700 applications approved following F&R test

Numbers since new Regulations 1 July 2011 – 30 June 2012

Revocations from in first year:• 629 Revocation Requests • 482 Revocations Accepted• 147 Revocations Rejected

Numbers since new Regulations (1 July 2011)

Average debt

Prior to July 2011: £24,194

July 2011 - June 2012: £18,903

Average DPP duration

Prior to July 2011: 8 years 5 months

July 2011 - June 2012: 6 years 8 months

DAS Approved Money Advisers

• 94 Approved Money Advisers who submitted at least one DPP pre-July 2011.

• Now 105 active Approved Money Adviser organisations • 78% free sector, 22% fee-charging

Free78%

Fee22%

DAS Approved Money Advisers

The split of approved cases since 1 July 2011 is– 41.3% free sector, 58.7% fee-paying

Workshops:

• Look at what AiB can change by- legislative change- DAS Admin procedural change

• Working better together- what improvements to processes can you influence within your own organisation

Workshop Questions

Questions• What’s working well• What’s not working so well• What do we need to address• How can we work better

together

Key Messages from Workshops

What is working well?

Key Messages from Workshops

What is not working so well:

Key Messages from Workshops

What still needs to be addressed:

Key Messages from Workshops

How do we work better together:

Contact Information

DAS team contact details• DAS Helpline 0300 200 2770

• DAS email das@aib.gsi.gov.uk

• New DAS website www.dasscotland.gov.uk

• Help Centre

• Guidance Notes