The fair & reasonable test is the criteria that the DAS Administrator uses when deciding whether to approve or reject a DPP application. It will take into account factors such as the total period of time that the DPP will last and the extent to which creditors have consented. If your continuing money adviser thinks that your proposals are unlikely to pass this test then we would advise you of this before you sign up and would discuss other alternative options with you instead.
May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.
Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.