Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20...
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Transcript of Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20...
![Page 1: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/1.jpg)
Welcome to the
DAS Workshops
September 2012
![Page 2: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/2.jpg)
Welcome
Programme:
• 10:00 – Purpose & Background
• 10:20 – Workshops (in groups)
• 11:30 – Feedback
• 12:15 – Collate
• 12:30 – Close
![Page 3: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/3.jpg)
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
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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
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The Benefits
• Increased transparency through DASH
• Increased choice and availability to debtors
• Regulations to improve payment distribution
• Creditors more involved in the process
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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
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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
![Page 8: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/8.jpg)
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
![Page 9: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/9.jpg)
Numbers since new Regulations 1 July 2011 – 30 June 2012
Revocations from in first year:• 629 Revocation Requests • 482 Revocations Accepted• 147 Revocations Rejected
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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
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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%
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DAS Approved Money Advisers
The split of approved cases since 1 July 2011 is– 41.3% free sector, 58.7% fee-paying
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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
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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
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Key Messages from Workshops
What is working well?
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Key Messages from Workshops
What is not working so well:
![Page 17: Welcome to the DAS Workshops September 2012. Welcome Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate.](https://reader036.fdocuments.us/reader036/viewer/2022062718/56649ebd5503460f94bc5f4a/html5/thumbnails/17.jpg)
Key Messages from Workshops
What still needs to be addressed:
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Key Messages from Workshops
How do we work better together:
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Contact Information
DAS team contact details• DAS Helpline 0300 200 2770
• DAS email [email protected]
• New DAS website www.dasscotland.gov.uk
• Help Centre
• Guidance Notes
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