{
  "url": "https://openlegislation.uk/draft-debt-arrangement-scheme-scotland-regulations-2004/regulation-11",
  "json_url": "https://openlegislation.uk/draft-debt-arrangement-scheme-scotland-regulations-2004/regulation-11.json",
  "legislation": "sdsi/2004/0110626400",
  "legislation_title": "The Debt Arrangement Scheme (Scotland) Regulations 2004",
  "legislation_url": "https://openlegislation.uk/draft-debt-arrangement-scheme-scotland-regulations-2004",
  "path": "regulation/11",
  "kind": "regulation",
  "number": "11",
  "heading": "Functions and duty of a money adviser",
  "text": "(1) It is a function of a money adviser to–\n(a) provide money advice to a debtor;\n(b) liaise with creditors on behalf of a debtor;\n(c) assist a debtor with, and advise on, implementation or variation of a debt payment programme;\n(d) prepare and submit on behalf of a debtor an application under these Regulations;\n(e) review a debt payment programme in every sixth month of operation;\n(f) act as a lay representative in a court, where the adviser has accepted instructions by a debtor to act;\n(g) seek revocation of a debt payment programme, where no payments have been made under the programme for 12 months; and\n(h) provide, as required by the DAS administrator, evidence of or information about the participation of a debtor in a debt payment programme.\n(2) A money adviser shall not charge a fee to a debtor for money advice, unless the adviser has informed the debtor–\n(a) that money advice is available without any fee or payment being due by the debtor (“free money advice”);\n(b) of the name of–\n(i) any adviser (or all, if more than one) providing free money advice within a 10 kilometre radius of the debtor’s usual place of residence; or\n(ii) the nearest adviser providing free money advice to the debtor’s place of residence, where there is no adviser within a 10 kilometre radius of the debtor’s usual place of residence, and\nthe debtor has agreed in writing to pay a fee.\n(3) A money adviser shall have regard to guidance issued by the DAS administrator when carrying out a function of an adviser.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/sdsi/2004/0110626400/regulation/11",
    "retrieved_at": "2026-10-30T15:39:42.838477+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}