- Mon Sep 30, 2013 9:17 pm
Hi and Welcome
As you are aware (and for those under aware) the DAS register is an online public register which holds information about those intending to apply for, are applying for, and those who already have a Debt Payment Programme.
If a DPP is approved creditors must comply with the DAS legislation, and you must also comply with the DAS legislation.
The reason why this exists is that unlike the informal debt solutions, such as debt management plans, once in place these agreements are and can enforced in law.
Ergo these are classed as formal solutions, and with all formal solutions there has to be in place protection for you (the creditors cannot say the dont know you in a DDP) and for future creditors (where you irresponsibly attempt to obtain new credit).
This is covered in law, if you wish to challenge this that is something you will need to take up with the AiB directly, as this enshrined in law.