The Ultimate Guide to The Ultimate Guide to Past Due Credit Solutions Ltd (PDCS)

Being in debt can be a frightening situation. Life can feel like it is spiralling out of control with no way back to normal.

However, there is a way out of debt for everyone, and we can show you how to find reliable help to get your life back on track – and even how you lower the amount of debt you owe by up to 85%!

This guide will tell you everything you need to know about dealing with Pastdue Credit Solutions (PDCS) and how you can still get out of debt even after they have contacted you. Keep reading to find out more!

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Who are Past Due Credit Solutions?

Past Due Credit Solutions Limited are one of the UK’s leading debt collection agencies.

Founded in 2005, this company has been rapidly growing ever since. They have a popular reputation in the field of debt collection services.

This large company has many regular clients:

  • Energy Suppliers – For example British Gas
  • Water Boards
  • Telecoms Services
  • Financial Service Providers
  • HMRC Tax Collection

Where are they based?

PDCS/Past Due Credit Solutions Limited are based in Scotland, in the city of Glasgow. However, they operate across the UK, providing debt collection services to any clients who need them.

This experienced debt collection company is a Financial Conduct Authority member and has built up a professional reputation with every client, no matter where they are located.

Are they a legitimate debt recovery company authorised and regulated in the UK?

If you receive a letter through your door from PastDue Credit Solutions, then you can be certain that it is from a genuine debt collection agency.

The letter will display their credentials. But if you are left in any doubt, you can always check their website for clarification.

PDCS credentials include:

  • Authorised by the Financial Conduct Authority – registration number 703411
  • A member of the Credit Services Association (CSA)
  • Regulated by the CSA code of conduct

What legal powers do they have over me?

No debt collection agencies have any special legal rights that they can use against you.

This means that they cannot harass or bully you, and they cannot threaten to repossess your belongings. They are not the same as bailiffs!

Past Due Credit Solutions (PDCS) have strict rules to follow to ensure that they are not misleading any debtors who owe them money. They are also required to treat all debtors fairly. If you think they have broken the rules, then you should report them.

However, debt collection agencies can escalate your debt to county court if you do not attempt to pay. In the worst-case scenario, this can result in a court judgement which allows bailiffs to come to your home.

Why is a third party contacting me about debt collection?

Do you have any existing debts? Have you stopped paying or failed to complete your repayment plan?

Then you could be next to hear from a third-party debt collector like Past Due Credit Solutions.

Third-Party Debt collectors like PDCS are hired by companies who have debtors that have defaulted on their repayments and have not communicated with the company for a certain length of time. The role of these debt collectors is to recover the outstanding money owed.

How do I get in contact?

It is quick and easy to get in contact with Past Due Credit Solutions.

There are many ways you can choose to contact them:

  • Phone 0141 447 0554
  • Sign in to their online account services
  • Use their online contact forms on their website
  • Email – [email protected]
  • By post – Past Due Credit Solutions, 1 Blair Court, North Avenue, Clydebank Business Park. G81 2LA

How do debt collection agencies operate?

There are two main ways that debt collection companies work.

  1. The debt collection agency will act on behalf of their client to recover the money owed to them. This means that your original creditor will continue to own your debt. These debt collection companies will often earn a percentage of the money they recover.
  2. The debt collection agency will buy your debt from the creditors. They buy it for a small fraction of the price of the original debt. But make their profits by making you repay the full amount.

How do you know which type of debt collector is contacting you?

If your debt letters ask you to make your repayments to the original creditor, the debt collection company is most likely acting on behalf of their client, and they haven’t brought your debt.

PastDue Credit Solutions do not own your debt. All the money you repay will go straight to the creditors. You don’t need to worry about them adding on any additional fees or increasing your interest rates.

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Why is a debt collection agency contacting you?

Have you been contacted by Past Due Credit Solutions Limited?

This is because you have defaulted on your debt repayments with your original creditor. PDCS have been brought in to chase and recover this debt.

How Past Due Credit Solutions contact you:

  • Expect to receive a letter through the post first. This will highlight the debts they want repaying.
  • Often this will be followed up with a phone call.
  • If PDCS don’t hear from you, expect to receive further letters, phone calls and sometimes a text message.

What if I cant afford to pay back a debt?

If you are going to find it difficult to repay your debt, you need to get in touch with a debt advisor.

A debt advisor will be able to help you determine what you truly owe, and they will provide you with all the support you need to get out of debt. Read our debt advisors section for more information on who to contact.

Once you have all the support you need, you should contact the debt collectors to notify them of your circumstances.

Past Due Credit Solutions will usually be sympathetic to vulnerable debtors if they are honest about their situations and willing to work out a repayment plan for an amount they can afford.

However, bear in mind that debt collectors can seek legal action through the county court if they are not satisfied with the outcome. They are less likely to do this if you are taking debt advice and communicating with them but might if you ignore their letters and phone calls.

Can pay but won’t pay?

If you decide that you’re not going to pay your debt then don’t expect Past Due Credit Solutions (PDCS) to just disappear -they can make your life unpleasant for up to 6 years.

What might happen if you don’t repay your debt:

  • Interest might continue accumulating, resulting in you owing a larger total payment.
  • You might lose the opportunity to negotiate a reduced fee.
  • Past Due Credit Solutions might escalate your case to a court judgement. This could result in bailiffs being sent to your home.
  • It will affect your credit report, and you might end up with a CCJ if the court decides you do owe the money.

Before doing anything, we would always advise you to get debt advice. But once you have established the true amount you owe, it is usually beneficial to start repaying at this stage if you can.

How to deal with debt collectors:

Our easy guide to dealing with debt collectors:

  1. Seek advice from a debt advisor
  2. Contact Past Due Credit Solutions – You can explain your situation to them and negotiate a repayment plan. Remember to only pay what you can afford.
  3. If you receive a visit from a PDCS debt collector, then you do not have to answer the door or let them into your house. We would advise that you contact the company and request that they only contact you over the phone or by post to stop any intimidating visits from happening.

Seek debt advisor help:

Get in touch with a debt advisor first, before doing anything else!

This is the most important step that you can take when dealing with debts. These are the people who are most likely to help you successfully get your life back on track.

How can debt advice help me?

  • They might be able to help get up to 85% of your debts written off if you are eligible for an IVA. Continue reading our IVA sections for more information.
  • They can help you sort all of your debts in one place so you can work on reaching a realistic debt solution.
  • They can give you support when dealing with Past Due Credit Solutions.

Getting reliable legal advice can make all the difference when trying to reduce the amount of debt you owe.

Several free debt charities provide excellent advice and support:

  • Stepchange
  • Christians Against Poverty
  • Citizens Advice Bureau
  • National Debtline
  • Business Debtline
  • The Debt Advice Foundation
  • Debt Support Trust

Check if you really owe a debt collection company money:

You should always check that the debt Past Due Credit Solutions is chasing you for is actually yours. There are numerous cases of other peoples debts being sent to someone with a similar name.

What was the original debt?

Find out what the original total amount was. The debt company may have added interest and inflation onto the original amount that you owed.

Make sure that you receive a legal copy of the credit agreement.

Past Due Credit Solutions needs to be able to provide you with an authentic copy of this agreement. Otherwise, you don’t have to pay any money to them.

Also, check the length of time that has passed since you last made a payment or contacted the company who you owe money too.

If more than 6 years has lapsed, your debt is not legally enforceable as stated by the Limitations Act. However, this time resets if you acknowledge the debt or make a payment, no matter how small.

Before you pay seek IVA help!

What is an IVA?

An IVA is an Individual Voluntary Agreement that can be used to write off up to 85% of your debts. You will then have monthly repayments for an amount that you can afford for 5 years. If anything is outstanding after 5 years, then the remaining debt is written off.

However, you do need to qualify for an IVA.

It is simple to find out if you qualify to have any of your debts written off by completing our quick online questionnaire.

Who qualifies for an IVA?

  • Anyone with multiple debts
  • Debts exceeding £1200.00

An IVA is a legally binding contract, so creditors and debt collection companies cannot continue to chase you for payments.


How do I deal with PDCS past due credit?

Genuine debt collecting companies like PDCS Past Due Credit Solutions should all be dealt with in a similar way, to ensure the best outcome for you.

PDCS debt collectors approach debtors who owe money to their clients intending to recover outstanding debts for them.

However, before paying, there are a few steps you should follow first.

  1. Check that you really owe the debt PDCS are claiming for.
  2. Make sure you have a copy of all original credit agreements.
  3. Speak to a debt advisor to see if any of your debt can be written off with an IVA.
  4. Contact PDCS to work out a payment plan.

Past Due Credit Solutions have strict rules which they must follow. This restricts how they are allowed to treat debtors, meaning that you don’t have to put up with harassment or bullying tactics. Any such behaviours should be reported.

Should I pay Past Due Credit Solutions (PDCS)?

Whether or not you should pay Past Due Credit Solutions (PDCS) depends on your individual circumstances.

  • Can a debt advisor provide you with useful debt solutions?
  • Are you eligible for an IVA?
  • How old are your debts and have they been inactive for over 6 years?

If you have followed the above advice and discovered that you really do owe them money and you are not eligible to have any of your debts reduced, then it is usually in your best interests to repay what you can.

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Often, companies like Past Due Credit Solutions will work out a suitable payment plan for you. This will help if you are not able to pay back the total amount in one repayment. In these cases, it is best, to be honest with PDCS about your situation.

What happens if I don’t owe the money?

It is not uncommon for people to have received a letter from a debt company that is not for them. Often it is for someone with a similar name or a previous occupant at your address.

However, you do not need to panic that you are going to end up with someone else’s debt.

Simply, contact Past Due Credit Solutions to notify them of the situation or send back any letters received for anyone not living at your address.

If you think that you no longer owe these debts because it has been over 6 years since you last made a payment, you should make sure that this is true. If you contact Past Due Credit Solutions before 6 years has passed this time will reset as you have acknowledged your debt.

Once you have received your letter from Past Due Credit Solutions, the best step you can take is to get the contact number for a free debt advisor. They will provide you with all the advice you need and give you all of the appropriate debt solutions to help you become debt-free.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.