Hi Harry and welcome to the forum
A Debt Arrangement Scheme (or DAS) is part of Scottish insolvency law. It is a bit like a debt management plan but is regulated so that once in place, creditors are unable to take legal action against you or continue to add interest to your accounts.
In order to carry out a DSA, first a debt payment programme (basically a debt management plan) must be put together. An approved money advisor must then agree to send the programme to a DAS Administrator for approval. Once the administrator has approved the programme, as long as you stick to the agreed payments, all further interest, fees and charges on your debt are frozen and you are protected from any further creditor action. In fact, creditors are unable to take enforcement action against you from the moment that you indicate an intention to apply for a debt payment programme or have an application awaiting approval.
Unlike a protected Trust Deed, creditors do not have the opportunity to reject a DAS. However, there is no money written off your debt so you will still be expected to pay back 100% of what you owe.