You can get up to £2,000 credit whilst you are in a debt payment programme under the terms of the Debt Arrangement Scheme in Scotland, unless you already owe £1,000 on debts which are not included in the debt payment programme.
You need to be able to afford the ongoing payments to repay the new credit on top of your agreed DAS payments. If you cannot, your debt payment programme could be revoked.
You are also permitted to get credit if one of the following special circumstances applies to you.
You need credit because you are responsible for reasonable funeral expenses.
You are also allowed to get credit if one of the following special circumstances applies to you.
Your DAS Administrator approves your credit and your debt payment programme is varied to help you to repay the extra credit.
You need credit for emergency repairs to your home.
Your credit was taken out before you joined DAS and was part of a cyclical loan agreement.
You incur a trade debt in the ordinary course of business.
You must tell the new creditor if you are in a debt payment programme currently and you get credit due to one of these circumstances. You will be expected to pay this at the agreed contracted rate. Your debt payment programme may be varied to take this into account.