{
  "url": "https://openlegislation.uk/draft-debt-arrangement-scheme-scotland-regulations-2004/regulation-20",
  "json_url": "https://openlegislation.uk/draft-debt-arrangement-scheme-scotland-regulations-2004/regulation-20.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/20",
  "kind": "regulation",
  "number": "20",
  "heading": "Application for approval",
  "text": "(1) A debtor who is habitually resident in Scotland may apply to the DAS administrator for approval of a debt payment programme.\n(2) An application under paragraph (1)–\n(a) shall be made by a money adviser on behalf of the debtor, and shall be in form 3;\n(b) may be made by electronic means, but if so the money adviser for the debtor shall retain the form 3, signed by the debtor and the money adviser in accordance with sections 2(3) and 3(2) respectively of the Act, for a period of 5 years or the period of the programme (whichever is the longer); and\n(c) shall be competent notwithstanding that the consent of the creditor under section 7(4) of the Act and regulation 22 is not incorporated in form 3.",
  "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/20",
    "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."
}