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 2005/062006/072007/082008/092009/102010/112011/12 DPPs ,4171,9103,319 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

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 June 2012: £18,903 Average DPP duration Prior to July 2011: 8 years 5 months July June 2012: 6 years 8 months

DAS Approved Money Advisers 94 Approved Money Advisers who submitted at least one DPP pre-July Now 105 active Approved Money Adviser organisations 78% free sector, 22% fee-charging

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 DAS New DAS website Help Centre Guidance Notes