"DAS has lifted a massive weight off my shoulders. I had two payday loans and the charges and interest escalated so fast I couldn’t keep up. Within six weeks my £200 loan has ballooned to £850 – a week later my loan had £300 interest added to it. By the time the debt got to over £1,800 a few weeks after that they were pushing for arrestment of my wages through the courts. DAS was fantastic – it stopped the whole court process in its tracks. Every month I send a payment distributor a lump sum and they send the two providers their share. DAS has frozen all interest and charges, although my payment distributor has told me they are ‘singularly unpleasant characters’ and still keep on at him to get more money from me. Thank God for DAS. I don’t know where I’d be now if it wasn’t around."

"I didn’t think there was any simple way to help me get out of my money troubles. My money adviser has been really good, better than I ever hoped for. I was expecting someone judgmental who’d look down their nose at me but he was really kind. He helped me set up a budget and kept me on it during that first six months. He came up with all sorts of clever ways to minimise my outgoings. Considering what I used to spend that’s a miracle in itself! I actually understand my finances now. I won’t get into the same mess again once I’ve paid off all of my creditors. The DAS has shown me how to live within my means."

"We looked into DAS originally because my husband couldn’t go insolvent with his job. There was just no way. It was written into his employment contract. He’s been doing DAS for nearly 3 years on a debt of almost £79,000, and we’ve paid almost £25,000 now. The DAS payment is a lot every month, but then we had a huge amount of debt and wanted it paid as quickly as possible. When we got a PPI reclaim on an old loan, DAS was simple and flexible that we could apply to the DAS administrator for approval on a variation. You just couldn’t do that with a Trust Deed – it’s so full of legalese it’s difficult to be flexible. DAS is a great idea!"

"I’m in my third month of my DPP and I’ll be on DAS for the next 8 years. It’s no quick fix, but then I did have £55,000 of debt to deal with. Everyone I spoke to through I should sequester myself or get a Trust Deed or something, but I was too scared to do either. Imagine if you applied for a Trust Deed, it doesn’t get protected and you end up being sequestered. I’d have been devastated. The support from my money adviser has been brilliant. I do still get the odd nasty letter, usually from companies who don’t understand what DAS is, and my money adviser and case officer deal with it. The protection level is really good. "