Accountant in Bankruptcy (AiB), who oversees the Scottish Debt Arrangement Scheme (DAS), are considering three options to increase flexibility by changing how the Common Financial Tool (CFT) is used to calculate contributions in a Debt Payment Plan (DPP). Flexibility is hugely beneficial, but there are concerns about the sustainability of plans being impacted. We have responded to highlight flexibility increases sustainability, but that this should be done where circumstances necessitate it rather than lengthening plans as a matter of course. To read our full response click below.