{"id":657,"date":"2021-03-02T22:12:57","date_gmt":"2021-03-02T21:12:57","guid":{"rendered":"https:\/\/old.oddluzanieuk.com\/?page_id=657"},"modified":"2022-10-13T10:13:10","modified_gmt":"2022-10-13T09:13:10","slug":"debt-arrangement-scheme-das","status":"publish","type":"page","link":"https:\/\/old.oddluzanieuk.com\/index.php\/debt-arrangement-scheme-das\/","title":{"rendered":"Debt Arrangement Scheme (DAS)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"657\" class=\"elementor elementor-657\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-358a1af7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"358a1af7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3befad9d\" data-id=\"3befad9d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3eb7b41 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3eb7b41\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1f0cc95f\" data-id=\"1f0cc95f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26934852 elementor-widget elementor-widget-image\" data-id=\"26934852\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/oddluzanieuk.com\/pl\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"175\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg\" class=\"attachment-medium_large size-medium_large\" alt=\"\" srcset=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-768x175.jpg 768w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk-300x69.jpg 300w, https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/www.oddluzanieuk.jpg 814w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6d71e50c\" data-id=\"6d71e50c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b3a0a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b3a0a2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ecdd035\" data-id=\"ecdd035\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b137db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b137db\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e196f6e\" data-id=\"e196f6e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33349f6 elementor-widget elementor-widget-text-editor\" data-id=\"33349f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>DEBT ARRANGEMENT SCHEME (DAS)<\/h2><p>(DAS) \u2013 to program ustanowiony przez rz\u0105d Szkocki aby pom\u00f3c ludziom sp\u0142aca\u0107 swoje d\u0142ugi w rozs\u0105dny spos\u00f3b bez gro\u017aby wszcz\u0119cia post\u0119powania s\u0105dowego. Razem z DPP (program sp\u0142aty d\u0142ugu) jest to formalne narz\u0119dzie do zarz\u0105dzania d\u0142ugiem i pozwala sp\u0142aci\u0107 swoje d\u0142ugi w ca\u0142o\u015bci poprzez program sp\u0142aty zad\u0142u\u017cenia przez d\u0142u\u017cszy okres czasu. To w\u0142a\u015bnie DAS pozwala ubiega\u0107 si\u0119 o program sp\u0142aty zad\u0142u\u017cenia (DPP). <a href=\"https:\/\/www.legislation.gov.uk\/sdsi\/2019\/9780111042359\/contents\">The Debt Arrangement Scheme (Scotland) Amendment Regulations 2019<\/a>\u00a0 Rozwi\u0105zanie to zosta\u0142o tak zaprojektowane aby sp\u0142aci\u0107 d\u0142ugi jedynie poprzez dokonywanie przyst\u0119pnych miesi\u0119cznych p\u0142atno\u015bci dzi\u0119ki pracy doradcy finansowemu zatwierdzonemu przez DAS (Money Advisor)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad6c736 elementor-widget elementor-widget-text-editor\" data-id=\"ad6c736\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*<span style=\"font-family: arial, sans-serif;\"><span>Money Advice Service\u00a0<\/span><span>organ ds. edukacji finansowej konsument\u00f3w (<\/span><a href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G2766.html\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G2766.html&amp;source=gmail&amp;ust=1617180233154000&amp;usg=AFQjCNE61hfOC_KJ28XhyyMXNog2qACnNQ\"><span>CFEB<\/span><\/a><span>), pierwotnie\u00a0<\/span><span>ustanowiony przez\u00a0<\/span><a href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G447.html\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G447.html&amp;source=gmail&amp;ust=1617180233154000&amp;usg=AFQjCNGUYlSPkwKhtLDSQrcLBdZ1ChuMtw\"><span>FSA<\/span><\/a><span>\u00a0zgodnie z sekcj\u0105 6A (1)\u00a0<\/span><span><a href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G10.html\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.handbook.fca.org.uk\/handbook\/glossary\/G10.html&amp;source=gmail&amp;ust=1617180233154000&amp;usg=AFQjCNExzkFo2hun5yS_HvhYFGr1P6ZJCg\">Ustawy<\/a><span style=\"color: #ff9900;\">\u00a0<\/span><\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c5c55d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c5c55d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-789f63e1\" data-id=\"789f63e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70a2bd63 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70a2bd63\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4877fc3\" data-id=\"4877fc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23d4cf06 elementor-widget elementor-widget-text-editor\" data-id=\"23d4cf06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>ZALETY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7483af23 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7483af23\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jedn\u0105 z najwa\u017cniejszych korzy\u015bci, kt\u00f3r\u0105 doceniaj\u0105 klienci jest fakt, \u017ce Tw\u00f3j osobisty doradca Money Adviser komunikuje si\u0119 z Twoimi wierzycielami a nie Ty. Obejmuje to: obs\u0142ug\u0119 kontaktu telefonicznego i zarz\u0105dzanie korespondencj\u0105 w odpowiedni spos\u00f3b. Wszystkie te starania maj\u0105  na celu zmniejszenie Twojego stresu zwi\u0105zanego ze spraw\u0105 i profesjonalne zaprojektowanie nowego schematu sp\u0142aty.  <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">w ramach Twojego DAS p\u0142acisz 1 przyst\u0119pn\u0105 rat\u0119 w ramach swoich d\u0142ug\u00f3w<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">otrzymujesz prawna ochron\u0119 w ramach Swojego DPP i wierzyciele nie mog\u0105 ju\u017c podj\u0105\u0107 wobec Ciebie \u017cadnych dzia\u0142a\u0144 prawnych.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi uda si\u0119 wynegocjowa\u0107 to, \u017ce Twoi wierzyciele zamro\u017c\u0105 prowizje i odsetki pracuj\u0105ce na Twoim zad\u0142u\u017ceniu - to z pewno\u015bci\u0105 wp\u0142ynie to na skr\u00f3cenie czasu, w kt\u00f3rym sp\u0142acisz d\u0142ugi. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">najwa\u017cniejsze jest aby Tw\u00f3j DPP zosta\u0142 zaakceptowany, wtedy Twoje odsetki s\u0105 mro\u017cone. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u015bli na co dzie\u0144 zmagasz si\u0119 z drogimi formami p\u0142atno\u015bci, kt\u00f3re przerastaj\u0105 Twoje mo\u017cliwo\u015bci, DPP pozwoli Ci sp\u0142aca\u0107 je w przyst\u0119pnej dla Ciebie cenie dostosowanej do Twojego bud\u017cetu domowego.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi chcesz i mo\u017cesz sobie na to pozwoli\u0107 mo\u017cesz sp\u0142aci\u0107 sw\u00f3j DAS przed terminem poniewa\u017c DAS jest narz\u0119dziem elastycznym.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">przewidziany maksymalny czas trwania DAS to 10 lat; w przypadku, gdy Twoje d\u0142ugi s\u0105 na tyle wysokie, \u017ce mog\u0142oby to potrwa\u0107 nawet d\u0142u\u017cej - DAS jest odradzany, chyba \u017ce mo\u017cna przewidzie\u0107 dodatkowe okoliczno\u015bci, kt\u00f3re pozwol\u0105 jednak na ustanowienie DAS na okres 12 lat. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">podczas trwania Twojego DPP mo\u017cesz otrzyma\u0107 1 miesi\u0119czn\u0105 przerw\u0119 w p\u0142atno\u015bciach je\u017celi pojawi\u0142y si\u0119 na Twojej drodze niespodziewane inne,wa\u017cne koszty. Mo\u017cesz liczy\u0107 w cyklu 12 miesi\u0119cznym na prawo do 2 takich przerw.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi w wyniku nag\u0142ego bezrobocia lub choroby twoje mo\u017cliwo\u015bci finansowe si\u0119 pogorsz\u0105 mo\u017cesz otrzyma wakacje p\u0142atnicze na okres nawet 6 miesi\u0119cy.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi aktualnie pracuje tylko Tw\u00f3j partner mo\u017cesz stara\u0107 si\u0119 o DAS. Na podstawie jego dochodu.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi jeste\u015b posiadaczem domu i chcesz przyst\u0105pi\u0107 do DAS, Tw\u00f3j dom nie jest zagro\u017cony.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi si\u0119 obawiasz  to Tw\u00f3j kredyt hipoteczny, po\u017cyczki zabezpieczone i zaleg\u0142o\u015bci w sp\u0142acie czynszu mog\u0105 one nie zosta\u0107 w\u0142\u0105czone do  Twojego DPP.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">ka\u017cdy uzasadniony spadek Twojego dochodu b\u0119dzie m\u00f3g\u0142 by\u0107  podczas Twojego DPP uwzgl\u0119dniany w ramach comiesi\u0119cznej raty.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u017celi Tw\u00f3j DAS nie zosta\u0142 zaakceptowany przez Twoich wszystkich wierzycieli i tak mo\u017ce zosta\u0107 zawarty. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-701fa075 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"701fa075\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ec2af2d\" data-id=\"2ec2af2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5569b670 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5569b670\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7e805e96\" data-id=\"7e805e96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ea0b77b elementor-widget elementor-widget-text-editor\" data-id=\"5ea0b77b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>WADY:<\/strong><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e34830b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2e34830b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">tylko dzi\u0119ki zaakceptowanemu DPP Tw\u00f3j DAS staje si\u0119 rozwi\u0105zaniem formalnym<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">d\u0142u\u017cszy okres trwania takiego  programu mo\u017ce skutkowa\u0107 tym, \u017ce Tw\u00f3j DAS potrwa d\u0142u\u017cej i b\u0119dzie kosztowa\u0142 Ci\u0119 wi\u0119cej; w tym momencie je\u017celi to tylko mo\u017cliwe - zostanie Tobie zaproponowane inne rozwi\u0105zanie.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">jednoczesne staranie si\u0119 o DAS lub inne rozwi\u0105zanie w kilku firmach wprowadzi chaos i utrudnia prac\u0119 ka\u017cdego wykwalifikowanemu doradce finansowego (Money Advisers). Jest to mocno odradzane.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">niekt\u00f3rzy wierzyciele mog\u0105 dodawa\u0107 odsetki i op\u0142aty do Twoich d\u0142ug\u00f3w. G\u0142\u00f3wnym powodem mo\u017ce by\u0107 fakt \u017ce tw\u00f3j DPP nie zosta\u0142 w pe\u0142ni zaakceptowany <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">DAS mo\u017ce mie\u0107 negatywny wp\u0142yw na Twoj\u0105 zdolno\u015b\u0107 kredytow\u0105, tzn. ka\u017cda z\u0142a opinia dotycz\u0105ca niesp\u0142acanych d\u0142ug\u00f3w wydana przez Twoich wierzycieli widnieje w Twojej historii kredytowej w UK nawet do 6 lat (mo\u017ce to potrwa\u0107 d\u0142u\u017cej, je\u015bli konflikt finansowy nie zosta\u0142 za\u017cegnany) Dotyczy to wi\u0119kszo\u015bci rozwi\u0105za\u0144 poza pierwotn\u0105 form\u0105 sp\u0142aty wed\u0142ug kontraktu pocz\u0105tkowego.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">je\u015bli anulujesz DAS wierzyciele mog\u0105 uniewa\u017cni\u0107 uzgodnienia dotycz\u0105ce p\u0142atno\u015bci w ramach DPP. Tracisz ochron\u0119 w ramach DPP i wierzyciele maj\u0105 ponownie prawo \u015bciga\u0107 Ciebie w celu odzyskania d\u0142ug\u00f3w.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tw\u00f3j DAS mo\u017ce zosta\u0107 odrzucony przez Twoich wierzycieli. Warto wtedy rozwazy\u0107 inna alternatyw\u0119 jak\u0105 jest np. LINK (Protected Trust Deed) lub Sequestration<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">DAS pojawia si\u0119 r\u00f3wnie\u017c w rejestrze publicznym.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tw\u00f3j Money Adviser (Doradca ds. P\u0142atno\u015bci) otrzyma wynagrodzenie za swoj\u0105 prac\u0119. Czyli za wniosek i stworzenie schematu sp\u0142aty.Op\u0142ata za z\u0142o\u017cenie wniosku jest prawnie ustalona na poziomie 2% ca\u0142kowitego zad\u0142u\u017cenia  a op\u0142ata za dystrybucj\u0119 p\u0142atno\u015bci nie mo\u017ce przekracza\u0107 wi\u0119cej ni\u017c  8%. W sumie Tw\u00f3j Doradca nie mo\u017ce zarobi\u0107 wi\u0119cej ni\u017c 10% od kwoty ca\u0142kowitej Twojego d\u0142ugu<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41bad073 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41bad073\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41930a31\" data-id=\"41930a31\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-140290d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"140290d3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-54eb6d7f\" data-id=\"54eb6d7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71453f6b elementor-widget elementor-widget-text-editor\" data-id=\"71453f6b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Warunki wst\u0119pne do DEBT ARRANGEMENT SCHEME (DAS)<\/strong><\/h3><p>Osoba staraj\u0105ca si\u0119 aplikowa\u0107 do programu DAS powinna wytwarza\u0107 doch\u00f3d sta\u0142y lub jej partner.<\/p><p>Z tytu\u0142u:<\/p><p>Dochody dyrektorskie.<\/p><p>Umowy o prac\u0119 (kontrakt).<\/p><p>Umowa zlecenie (agencyjna).<\/p><p>Dochodowe samozatrudnienie \u2013 self- employed.<\/p><p>\u015awiadczenia socjalne nie mog\u0105 stanowi\u0107 jedynej podstawy dochodu w gospodarstwie domowym!<\/p><p>DAS jest mo\u017cliwy je\u017celi mamy z 1 lub wi\u0119cej wierzycieli<\/p><p>Je\u017celi posiadasz wy\u017cszy d\u0142ug ni\u017c \u00a36000 prosimy zapoznaj si\u0119 z innym<\/p><p>rozwi\u0105zaniem jakim jest LINK do PROTECTED TRUST DEED<\/p><p>Uwaga! Program obejmuje d\u0142ugi sp\u0142acane i nie sp\u0142acane terminowo do tej pory.<\/p><p>Centrum interes\u00f3w \u017cyciowych (COMI) musi znajdowa\u0107 si\u0119 na terenie<\/p><p>Szkocji<\/p><p>Praca na terenie UK.<\/p><p>Posiadanie konta bankowego.<\/p><p>P\u0142acone podatki na terenie Szkocji.<\/p><p>Nale\u017cy mieszka\u0107 na terenie Wielkiej Brytanii co najmniej p\u00f3\u0142 roku.<\/p><p>DAS obejmuje wy\u0142\u0105cznie d\u0142ugi powsta\u0142e na terenie UK.<\/p><h3><strong>Jakie rodzaje zad\u0142u\u017cenia mo\u017cna w\u0142\u0105czy\u0107 w DAS?<\/strong><\/h3><p>OVERDRAFTS.<\/p><p>LINIE ZAKUPOWE.<\/p><p>PO\u017bYCZKI D\u0141UGOTERMINOWE.<\/p><p>PO\u017bYCZKI \u015aREDNIOTERMINOWE.<\/p><p>PO\u017bYCZKI KR\u00d3TKOTERMINOWE.<\/p><p>PO\u017bYCZKI W KT\u00d3RYCH STANOWISZ ZABEZPIECZYCIELA\/\u017bYRANTA<\/p><p>(tylko wtedy je\u017celi sp\u0142ata d\u0142ugu spad\u0142a na ciebie to ma sens).<\/p><p>NIEOP\u0141ACONE RACHUNKI ZA TELEFON LUB INTERNET.<\/p><p>KARY ROZ\u0141\u0104CZENIOWE\/ TELEFON LUB INTERNET \u2013 zerwanie umowy.<\/p><p>ZALEG\u0141O\u015aCI COUNCIL TAX.<\/p><p>KARTY KREDYTOWE\/SKLEPOWE\/KATALOGOWE.<\/p><p>MORTGAGE \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy nieruchomo\u015bci i pozosta\u0142 d\u0142ug.<\/p><p>D\u0141UG ZA CAR INSURANCE \u2013 je\u017celi nie dosz\u0142o do wyp\u0142aty odszkodowania<\/p><p>LOAN TO START BUSINESS \u2013 pod warunkiem \u017ce biznes nie jest ju\u017c aktywny<\/p><p>D\u0141UGI Z DZIA\u0141ALNO\u015aCI (Self-employed)<\/p><p>CAR LOAN\/LEASING \u2013 je\u017celi dosz\u0142o do sprzeda\u017cy pojazdu lub kiedy pojazd<\/p><p>przesta\u0142 istnie\u0107 z r\u00f3\u017cnych przyczyn a d\u0142ug pozosta\u0142.<\/p><p>Auto kt\u00f3re jest w kredycie i jednocze\u015bnie jest u\u017cytkowane pozostaje nadal waszym kosztem sta\u0142ym i Wasz DAS nie mo\u017ce tego obj\u0105\u0107<\/p><h3><strong>Jakich rodzaj\u00f3w d\u0142ug\u00f3w DAS nie mo\u017ce obj\u0105\u0107?<\/strong><\/h3><p>D\u0141UGI WYNIK\u0141E Z ROZLICZE\u0143 POZAMA\u0141\u017bE\u0143SKICH\/D\u0141UGI S\u0104SIEDZKO PRZYJACIELSKIE<\/p><p>KARY S\u0104DOWE<\/p><p>MANDATY<\/p><p>KREDYTY STUDENCKIE<\/p><p>ZALEG\u0141E ALIMENTY (Child Support)<\/p><p>HMRC &#8211; PODATEK VAT I PAYE Settlement Agreements<\/p><p>D\u0141UGI WOBEC HMRC \u2013 NADP\u0141ACONE BENEFITY<\/p><p>D\u0141UGI POWSTA\u0141E NA TERENIE POLSKI<\/p><p>PO\u017bYCZKI TYPU HIRE PURCHASE\/LEASING<\/p><p>TV LICENCE<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2928a125 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2928a125\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-490a35fd\" data-id=\"490a35fd\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-55b567c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55b567c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-387112e8\" data-id=\"387112e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a10472e elementor-widget elementor-widget-text-editor\" data-id=\"4a10472e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Chcesz pozby\u0107 si\u0119 d\u0142ug\u00f3w? Rozpocznij proces oddlu\u017cania ju\u017c teraz wype\u0142niaj\u0105c aplikacj\u0119.\u00a0<\/strong><\/p><p><strong>Je\u015bli masz pytania, b\u0105d\u017a w\u0105tpliwo\u015bci &#8211; zadzwo\u0144 do nas pod nr \u00a0<span style=\"text-decoration: underline;\"><a href=\"tel:07591203639\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #000000; text-decoration: underline;\">07 591 203 639<\/span><\/a><\/span><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43152361 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"43152361\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/old.oddluzanieuk.com\/index.php\/aplikuj\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">WYPE\u0141NIJ APLIKACJ\u0118<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41edd454 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41edd454\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-488eeb12\" data-id=\"488eeb12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-366b4150 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"366b4150\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-65cd4a20\" data-id=\"65cd4a20\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3103994e elementor-widget elementor-widget-image\" data-id=\"3103994e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"126\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/logo1.png\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7f26abce\" data-id=\"7f26abce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e0102bc elementor-widget elementor-widget-image\" data-id=\"3e0102bc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"126\" src=\"https:\/\/old.oddluzanieuk.com\/wp-content\/uploads\/2021\/03\/logo2.png\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-1b295588\" data-id=\"1b295588\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10d6f3e2 elementor-widget elementor-widget-text-editor\" data-id=\"10d6f3e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Jeste\u015b na Facebooku?<br \/>Zobacz nasz profil:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-41c4a162\" data-id=\"41c4a162\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c5c0327 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3c5c0327\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-square\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-375ff839 elementor-widget elementor-widget-text-editor\" data-id=\"375ff839\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-block-id=\"block-413cf865-cc7b-40e0-a109-1c7337a49001\">2020 \u00a9 UK Debtbusters PL LTD is registered in Scotland No.SC704540\u00a0Registered Office: 2\/1, 214 Castlemilk Drive, Glasgow G45 9JS. Data Protection Act 1998 registration number:\u00a0ZB144962. UK Debtbusters PL LTD works in association with Licensed Insolvency Practitioners authorized and regulated by the Insolvency Practitioners Association to provide information and advice on Individual Voluntary Arrangements and Protected Trust Deeds. For the avoidance of doubt, UK Debtbusters PL LTD does not provide any debt advice. UK Debtbusters PL LTD services are profit-seeking. You can find out more about dealing with your creditors in a guide produced by the Insolvency Service: In Debt \u2013 Dealing with your creditors. You can also find alternative free-to-consumer debt advice organizations as recommended by the Money Advice Service. The Money Advice Service is an impartial service set up by the Government. For free debt counseling, debt adjustment, and credit information services, visit\u00a0www.moneyadviceservice.org.uk. UK Debtbusters PL LTD offers free insolvency information, this information will be based on the detailed information you provide to our debt specialist 2\/1 214 Castlemilk Drive, Glasgow, G45 9JS.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>DEBT ARRANGEMENT SCHEME (DAS) (DAS) \u2013 to program ustanowiony przez rz\u0105d Szkocki aby pom\u00f3c ludziom sp\u0142aca\u0107 swoje d\u0142ugi w rozs\u0105dny spos\u00f3b bez gro\u017aby wszcz\u0119cia post\u0119powania s\u0105dowego. Razem z DPP (program sp\u0142aty d\u0142ugu) jest to formalne narz\u0119dzie do zarz\u0105dzania d\u0142ugiem i pozwala sp\u0142aci\u0107 swoje d\u0142ugi w ca\u0142o\u015bci poprzez program sp\u0142aty zad\u0142u\u017cenia przez d\u0142u\u017cszy okres czasu. To [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-657","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/657","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/comments?post=657"}],"version-history":[{"count":35,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/657\/revisions"}],"predecessor-version":[{"id":1549,"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/pages\/657\/revisions\/1549"}],"wp:attachment":[{"href":"https:\/\/old.oddluzanieuk.com\/index.php\/wp-json\/wp\/v2\/media?parent=657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}