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The Debt Arrangement Scheme (Interest, Fees, Penalties and Other Charges) (Scotland) Regulations 2011

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EXPLANATORY NOTE

(This note is not part of the Regulations)

These Regulations are part of the revised Debt Arrangement Scheme for the repayment of debts in Scotland under Part 1 of the Debt Arrangement and Attachment (Scotland) Act 2002.

They operate together with regulations to be made under section 7 of the Debt Arrangement and Attachment (Scotland) Act 2002 to replace the Debt Arrangement Scheme (Scotland) Regulations 2004 (“the 2004 Regulations”). These Regulations make provision for the effect of debt payments programmes approved or varied under the scheme to render non-payable interest, fees, penalties and other charges which would otherwise become payable in relation to debts included in such programmes.

The Regulations restate provisions contained in the 2004 Regulations inserted by the Debt Arrangement Scheme (Scotland) Amendment Regulations 2007, add a limited exception in respect of joint debt payment programmes made by two debtors under the revised regulations to be made, revoke the provisions replaced by these Regulations, and make saving provision for existing cases.

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