A debt payment programme (DPP) is set up by a DAS approved money adviser. This is an agreement that allows debtors to pay off debts over an extended period of time. The programme can be for any amount of money or for any reasonable length of time. 

If creditors all agree or are deemed to have agreed (because they do not respond) the debt payment programme under DAS is agreed automatically. Creditors will then be bound by this DPP as long as the debtor sticks to the agreement. 

If creditors do not consent then the DAS administrator can still approve the debt payment programme if it is fair and reasonable to do so.

If the circumstances change, the programme can be varied to take account of this (if all creditors agree or if the DAS administrator decides it is fair and reasonable).