Past Due Credit Solutions Ltd – What you need to know

When a debt collection company gets in touch, it can be an unsettling experience – especially if you’ve never heard of them before and are not sure what your rights are or what your next steps should be.

That’s why we’ve shared this creditor directory to help anyone struggling with debt who isn’t sure what to do when they’ve heard from a debt collection agency or had bailiffs show up at their door.

This page covers everything you need to know about Past Due Credit Solutions, including where they’re based, why they might be getting in touch with you, and some of the companies they represent.

Who are Past Due Credit Solutions?

Based in Clydebank in Glasgow, Past Due Credit Solutions or PastDue Credit Solutions (PDCS) are a debt collection agency that works with a wide range of companies in the UK to recover overdue debt payments.

They primarily work with energy, water, telecoms, and financial services companies but also carry out debt collection services on behalf of government departments and other organisations.

PDCS are members of the Credit Services Association (CSA), which is the trade association for the debt collection industry. This means that they must comply with their code of conduct and are regulated by the Financial Conduct Authority (FCA).

Why am I being contacted by Past Due Credit Solutions?

If you’ve received a call, letter, text message or email from Past Due Credit Solutions, it may well mean that they’re now representing a company you owe money to and your creditor has passed the outstanding debt on for them to collect.

However, they must provide evidence that you owe them money. If you’re not sure why they’re making contact, you should open and read any communication from them to understand which debt they’re getting in touch about.

Being contacted by a debt collector can be daunting, but the best way to deal with it is to face it head-on. The first thing you should do is respond and ask if they can work with you to put an affordable payment plan in place.

Can Past Due Credit Solutions come to my house to collect a debt?

Most debt collectors, including Past Due Credit Solutions, have several tactics they use to get in touch with people whose debts they are trying to recover. This can range from letters and phone calls to home visits and legal action if they don’t receive a response.

This can be distressing not only for you but also for the people you live with – especially if you haven’t told anyone that you’re in debt. Dealing with debt collectors face-to-face can also have a detrimental effect on your mental and physical health if you’re vulnerable or suffer from a mental health problem.

Remember, debt collectors don’t have the same legal powers as bailiffs. This means that while they can visit your home and ask you to make up for the missed payments, they can’t force their way in or seize your belongings to repay a debt.

What companies use Past Due Credit Solutions?

Past Due Credit Solutions represent some of the UK’s market leading companies, including utility firms, banks, credit unions, telecoms companies, and even financial service providers and government bodies, such as the DVLA and HMRC.

These companies turn to debt collection agencies when they’ve been unsuccessful in recovering money owed and don’t have the time or resources to continue chasing the debt themselves.

If you’ve heard from PDCS, it’s likely to be about:

• An unpaid phone bill
• Money that’s due to the DVLA
• Overdue gas or electricity payments
• Your broadband bill going into arrears

Can Past Due Credit Solutions take me to court?

In short, yes. Any debt collection agency can take you to court but they don’t have any legal power themselves and must follow a strict legal process for the debt to progress to that stage.

First, they must send you a warning letter to notify you that they intend to take you to court. This will usually be in the form of a ‘default notice’, which is a document warning you that your account is at risk of being closed if you don’t make up for the missed payments.

It’s really important to act fast if you receive a default notice to prevent the situation from escalating as a default can cause serious damage to your credit rating. This can make it difficult to get approved for credit for several years.

After a default has been issued, and only then, can a debt collection agency issue you with a claim form. Then, a County Court Judgement (CCJ) can be made against you, which will stay on your credit rating for six years.

It’s crucial to get in touch with the debt collection agency before this happens and ideally, as soon as they make first contact with you. If you can demonstrate that you’re keen to pay off your debt and reach an arrangement, things don’t need to escalate to such an extreme level.

What action can Past Due Credit Solutions take against me?

It’s important to remember that debt collection agencies don’t have the same powers as bailiffs. They can’t enter your property without your permission, speak to your employer about your debt, repossess any of your belongings or contact you at unreasonable times. They are, however, allowed to:

• Contact you in writing about your debt, phone and visit your house
• Continue to add interest or charges (as long as it’s within the original terms of your agreement)
• Apply to get a CCJ or default issued against you
• Take the first steps towards applying to make you bankrupt

If you think a debt collection agency has misled you, contacted you in error or misrepresented their level of power, you have the right to complain about them. We’ve included contact information at the end of this article to help you get in touch with them directly.

What should I do if I don’t think I owe Past Due Credit Solutions or a debt collection agency any money?

If you’ve been contacted in error by a debt collection agency, you should still try to speak to them to get to the bottom of their reason for making contact.

However, it’s worth remembering that many debt collection agencies buy debts from other companies and if they are making contact with you for a legitimate reason, the worst thing you could do is ignore them.

If they agree that they’ve contacted you in error, you should ask for written proof to confirm you’ve dealt with the issue and don’t have to make payment.

If you find out that they’re pursuing you for a legitimate debt, you should speak to them and set up a repayment plan to prevent the situation from escalating further.

What should I do if Past Due Credit Solutions contact me?

If you have debt collectors getting in touch, it means your debt has reached a certain stage and you shouldn’t ignore the issue. We know how daunting it can be to be contacted by debt collectors but if you’re finding the situation overwhelming, Creditfix are just a phone call away.

We will work with you to discuss your circumstances, assess your income and outgoings, and find the best option for you to end creditor and debt collector contact. No matter how bad your situation seems, there is help available.

Once we have a clearer picture of your debt, we’ll work with you to find out how much you can reasonably pay towards what you owe and even manage your creditors on your behalf.

I can’t afford to repay my debt owed to Past Due Credit Solutions. What should I do?

If you can’t afford to repay the money you owe to Past Due Credit Solutions, the most important thing is not to worry. Here are some of the options available to you:

Seek free debt advice

Being pressured to pay debts you can’t afford can be stressful, but you should never ignore any letters you receive from debt collectors. As tempting as it can be to bury your head in the sand, this will only make the situation worse.

By getting in touch with a financial charity or debt management company, like Creditfix, you can get the support you need to move forward – whether that means creating a repayment plan, readjusting your budget, or exploring formal debt solutions.

Consider a debt solution

There are various solutions available that allow people in the UK to deal with unaffordable debt while protecting themselves from creditors and debt collection companies.

An Individual Voluntary Arrangement (IVA), for example, is a formal solution that can enable you to combine all your unsecured debts into a single, affordable monthly payment and write off any remaining debts.

What happens if I ignore PastDue Credit Solutions?

As previously mentioned, it’s not recommended to ignore a debt collection company when they contact you.

If they don’t receive a response within a certain period, they’ll usually send you a written letter warning you of impending action with deadlines for repayment as well as any charges or penalties you may have incurred.

If you still don’t respond, they can visit you at home, issue you with a CCJ, or file for bankruptcy on your behalf. By responding quickly, you can stop the situation from escalating and take the first step towards dealing with your debt.

How do I contact Past Due Credit Solutions?

Past Due Credit Solutions also go by the company names PCDS and PastDue Credit Solutions.

Their address is:

1 Blair Court
North Avenue
Clydebank Business Park
G81 2LA

Their main contact number is: 0141 951 4077. They may also contact you from 0141 570 3200, 0844 811 3701 or 0141 951 6447.

Website: www.pastduecredit.co.uk

Email: [email protected]

If you feel like you have been treated unfairly, you should send a complaint to PSDC directly. If you’re not satisfied with their response, you can escalate it to the Financial Ombudsman Service.