{
  "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011",
  "json_url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011.json",
  "id": "ssi/2011/141",
  "title": "The Debt Arrangement Scheme (Scotland) Regulations 2011",
  "short_title": "Debt Arrangement Scheme 2011",
  "long_title": "These Regulations provide a scheme for repayment of debts in Scotland. They provide for procedure and forms in respect of a repayment arrangement under the scheme, which on approval is described as a debt payment programme (“a programme”).",
  "citation": "S.S.I. 2011/141",
  "type": "ssi",
  "year": "2011",
  "number": "141",
  "version": "current",
  "date": "2011-02-17",
  "revised": true,
  "valid_from": "2025-04-01",
  "extent": "S",
  "unapplied_effects": 1,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/introduction",
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "GENERAL",
      "url": null,
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-1",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation: general",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-2",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Interpretation: debt",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-3",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/4",
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      "number": "4",
      "heading": "Dispensing power",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-4",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/4A",
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      "heading": "Correction of accidental errors",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-4A",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/5",
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      "heading": "Fees",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-5",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
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      "path": "regulation/6",
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      "number": "6",
      "heading": "Consequential amendments",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-6",
      "extent": "S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
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      "number": "2",
      "heading": "MONEY ADVISERS",
      "url": null,
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/7",
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      "number": "7",
      "heading": "Debtor to have an approved money adviser",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-7",
      "extent": "S",
      "status": null,
      "parent": "part/2"
    },
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      "path": "regulation/8",
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      "heading": "Approved categories of money advisers",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-8",
      "extent": "S",
      "status": null,
      "parent": "part/2"
    },
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      "path": "regulation/8A",
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      "heading": "Approved money advisers: legal persons and other entities",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-8A",
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      "path": "regulation/10",
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      "heading": "Persons who are not and may not be approved",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-10",
      "extent": "S",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/11",
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      "heading": "Revocation, or suspension, of approval of a money adviser",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-11",
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      "status": null,
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    },
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      "path": "regulation/12",
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      "heading": "Functions and duty of a money adviser",
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      "path": "regulation/12A",
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      "heading": "Additional functions and duty of a money adviser: legal persons and other entities",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-12A",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "part/3",
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      "number": "3",
      "heading": "PAYMENTS DISTRIBUTORS",
      "url": null,
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      "status": null,
      "parent": null
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Payments distributors for a debt payment programme",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-13",
      "extent": "S",
      "status": "repealed",
      "parent": "part/3"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Approval of a payments distributor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-14",
      "extent": "S",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Revocation of approval of a payments distributor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-15",
      "extent": "S",
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    },
    {
      "path": "regulation/16",
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      "number": "16",
      "heading": "Functions and duty of a payments distributor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-16",
      "extent": "S",
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    },
    {
      "path": "regulation/17",
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      "number": "17",
      "heading": "Charges by a payments distributor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-17",
      "extent": "S",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "part/4",
      "kind": "part",
      "number": "4",
      "heading": "DEBT ARRANGEMENT SCHEME REGISTER",
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      "extent": "S",
      "status": null,
      "parent": null
    },
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      "path": "regulation/18",
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      "number": "18",
      "heading": "Debt Arrangement Scheme Register",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-18",
      "extent": "S",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/19",
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      "number": "19",
      "heading": "Information on the DAS Register",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-19",
      "extent": "S",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "part/5",
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      "number": "5",
      "heading": "APPROVAL OF DEBT PAYMENT PROGRAMMES",
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      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/20",
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      "number": "20",
      "heading": "Application for approval",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-20",
      "extent": "S",
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Debtors who may apply for approval",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-21",
      "extent": "S",
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Joint debt payment programme",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-22",
      "extent": "S",
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/22A",
      "kind": "regulation",
      "number": "22A",
      "heading": "Debt payment programme: legal persons and other entities",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-22A",
      "extent": null,
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      "path": "regulation/23",
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      "heading": "Consent of creditors",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-23",
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    },
    {
      "path": "regulation/23A",
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      "heading": "Creditor’s authorised representative",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-23A",
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      "path": "regulation/24",
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      "heading": "Approval of agreed programmes",
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    },
    {
      "path": "regulation/25",
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      "number": "25",
      "heading": "Approval by the DAS Administrator",
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      "path": "regulation/26",
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      "number": "26",
      "heading": "Notice of intention to approve, and approval of, a programme",
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      "path": "regulation/27",
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      "heading": "Standard conditions",
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      "path": "regulation/28",
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      "heading": "Discretionary conditions",
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      "path": "regulation/29",
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      "heading": "Notification of approval or rejection",
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      "status": null,
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    {
      "path": "regulation/30",
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      "number": "30",
      "heading": "Diligence or sequestration in the period before a debt payment programme is approved",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-30",
      "extent": "S",
      "status": null,
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    {
      "path": "part/6",
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      "number": "6",
      "heading": "DEBT PAYMENT PROGRAMMES",
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      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/31",
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      "heading": "Methods of payment",
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      "status": null,
      "parent": "part/6"
    },
    {
      "path": "regulation/32",
      "kind": "regulation",
      "number": "32",
      "heading": "Payment instruction to employer",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-32",
      "extent": "S",
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "regulation/33",
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      "number": "33",
      "heading": "Effect on a creditor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-33",
      "extent": "S",
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "regulation/34",
      "kind": "regulation",
      "number": "34",
      "heading": "Diligence: further provision as regards effect of debt payment programme",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-34",
      "extent": "S",
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    },
    {
      "path": "regulation/35",
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      "number": "35",
      "heading": "Effect on trust deeds which are not protected",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-35",
      "extent": "S",
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "part/7",
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      "number": "7",
      "heading": "VARIATION OF DEBT PAYMENT PROGRAMMES",
      "url": null,
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/36",
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      "heading": "Application for variation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-36",
      "extent": "S",
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "regulation/36A",
      "kind": "regulation",
      "number": "36A",
      "heading": "Proposal for variation: discharge of liability on compensation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-36A",
      "extent": null,
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "regulation/36B",
      "kind": "regulation",
      "number": "36B",
      "heading": "Proposal for variation: administrative changes or reduction in period",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-36B",
      "extent": null,
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "regulation/37",
      "kind": "regulation",
      "number": "37",
      "heading": "Grounds for variation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-37",
      "extent": "S",
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      "parent": "part/7"
    },
    {
      "path": "regulation/38",
      "kind": "regulation",
      "number": "38",
      "heading": "Approval of a variation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-38",
      "extent": "S",
      "status": null,
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    },
    {
      "path": "regulation/39",
      "kind": "regulation",
      "number": "39",
      "heading": "Notification of approval or rejection of a variation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-39",
      "extent": "S",
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "regulation/39A",
      "kind": "regulation",
      "number": "39A",
      "heading": "Short term financial crisis payment break",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-39A",
      "extent": null,
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "part/8",
      "kind": "part",
      "number": "8",
      "heading": "REVOCATION OF DEBT PAYMENT PROGRAMMES",
      "url": null,
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/40",
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      "number": "40",
      "heading": "Revocation on sequestration or protected trust deed",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-40",
      "extent": "S",
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    },
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      "path": "regulation/40A",
      "kind": "regulation",
      "number": "40A",
      "heading": "Death of a debtor",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-40A",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/41",
      "kind": "regulation",
      "number": "41",
      "heading": "Application for revocation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-41",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/42",
      "kind": "regulation",
      "number": "42",
      "heading": "Grounds for revocation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-42",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/43",
      "kind": "regulation",
      "number": "43",
      "heading": "Determination of a revocation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-43",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/44",
      "kind": "regulation",
      "number": "44",
      "heading": "Notification of revocation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-44",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/44A",
      "kind": "regulation",
      "number": "44A",
      "heading": "Effect of revocation",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-44A",
      "extent": "S",
      "status": null,
      "parent": "part/8"
    },
    {
      "path": "regulation/45",
      "kind": "regulation",
      "number": "45",
      "heading": "Apparent insolvency",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-45",
      "extent": "S",
      "status": "repealed",
      "parent": "part/8"
    },
    {
      "path": "part/9",
      "kind": "part",
      "number": "9",
      "heading": "COMPLETION OF A DEBT PAYMENT PROGRAMME",
      "url": null,
      "extent": "S",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/46",
      "kind": "regulation",
      "number": "46",
      "heading": "Notice of completion",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-46",
      "extent": "S",
      "status": null,
      "parent": "part/9"
    },
    {
      "path": "part/9A",
      "kind": "part",
      "number": "9A",
      "heading": "COMPOSITION",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/46A",
      "kind": "regulation",
      "number": "46A",
      "heading": "Offer of composition",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-46A",
      "extent": null,
      "status": null,
      "parent": "part/9A"
    },
    {
      "path": "regulation/46B",
      "kind": "regulation",
      "number": "46B",
      "heading": "Acceptance of offer by creditors",
      "url": "https://openlegislation.uk/debt-arrangement-scheme-scotland-regulations-2011/regulation-46B",
      "extent": null,
      "status": null,
      "parent": "part/9A"
    },
    {
      "path": "regulation/46C",
      "kind": "regulation",
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