Past Due Credit Solutions (PDCS) Debt Collectors – Should You Pay? (Because you might not even need to!)

Past Due Credit Solutions (PDCS) Debt
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Like all debt collectors, Past Due Credit Solutions are a nasty bunch. Their business model is all about getting you to pay them back as much money as possible. If you have received a letter, phone call or a knock on the door then you are probably wondering what’s the best way to deal with them. I spent years trying to get rid of debt collectors. Lucky for you I’ve written everything I know in this blog post! Here you’ll find out if you should pay them back, how to avoid court and sneaky tips and tricks to counter their tactics.

Past Due Credit Solutions Debt Collectors - PDCS

Who are Past Due Credit Solutions (PDCS)?

Established in 2005, Past Due Credit Solutions (PDCS) is one of the UKs fastest growing debt recovery companies.The directors have more than 50 years’ combined experience and aim to provide customers with a personalised service. The company is registered in the UK and regulated by the Financial Conduct Authority.

Past Due collects for the HMRC for self assessment debt and is also known for collecting on behalf of companies like:

  • BT
  • Sky
  • British Gas

Your best solution (if you qualify) [1 minute]

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You can write off 75% of your debt with a new government scheme called Individual Voluntary Arrangement. You only qualify if your debts are over £1,700 and you have more than one debt. Answer 4 questions to see if you qualify.

Why you are being contacted by Past Due Credit Solutions (PDCS) Debt Collectors?

Make no mistake – the debt collection business is huge. Debt collectors like Past Due Credit Solutions (PDCS) Debt Collectors come in several forms; many debt collection agencies are independent businesses; some may also be a business arm of a creditor such as a credit card company (sometimes hiding their real identity – see below); there are even individual sole trader debt collectors.

Independent debt collection agencies and sole trader debt collectors business model relies on purchasing debt at a fraction of its face value, possibly for as little as 20% of the face value, and making a profit by collecting all or a proportion of the debt. There are few morals involved; as far as they are concerned it is you who ran up the debt and you who is responsible for repaying it. They care nothing about you and your personal circumstances. Simply put, they tend not to be nice people. The Office for Fair Trading (OFT, 2010) acknowledged that such poor practices “appear to be widespread”.

Check if you really owe the money!

Check if you really owe the money

Is the debt money you really owe? The first thing to establish is where the debt has originated and how much you really owe. It is quite likely that the original debt, if there was one, has been inflated by various charges and interest, and could be substantially more than you believe you owe.

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You should write to Past Due Credit Solutions (PDCS) Debt Collectors and demand a copy of your original credit agreement. If they are unable to provide this you have no obligation to make any payment to them.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Can pay but won’t pay?

If you really do owe the money, then the road of least resistance is to repay the debt if you are able to do so, but if you can’t afford to repay it, or if doing so would prevent you from servicing more important credit such as your rent or mortgage, then try to make some arrangement with Past Due Credit Solutions (PDCS) Debt Collectors, perhaps offering them a partial repayment.

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How debt collectors can ruin your life

How debt collectors can ruin your life

It isn’t unusual for debt collectors to employ questionable tactics that may or may not fall foul of the law. This might include pressuring and bullying threats, frequent phone calls sometimes made to your workplace and empty threats.

Being pursued by Past Due Credit Solutions (PDCS) Debt Collectors could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide. According to the debt support trust, almost half of people who struggle with debt at some point consider suicide, and it was recently reported that a coroner raised concerns over debt-collection agency’s practices following the suicide of a debt-ridden courier. In their report into mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. They called upon the government to tackle the problem of irresponsible lending and intimidating collection tactics.

Know your legal rights!

Past Due Credit Solutions (PDCS) Debt Collectors and the law

The Office for Fair Trading (OFT, 2012) has published a set of guidelines for the debt collection business. To summarise these, Past Due Credit Solutions (PDCS) Debt Collectors should:

  • Treat debtors fairly and not use aggressive practices, coercion, deceit, or be oppressive, unfair, or improper
  • Be transparent and provide clear information that is not confusing or misleading
  • Be considerate towards debtors experiencing difficulty
  • Act proportionately taking into account debtors’ circumstances.

If you are being intimidated by Past Due Credit Solutions (PDCS) Debt Collectors who are not abiding by these guidelines, then you have a good case for reporting them to the OFT which has the power to remove their license.

To make a complaint about Past Due Credit Solutions (PDCS) Debt Collectors, you can use this online complaint form.

Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. That is a clear case of deceit, though they are likely to claim that this information appears in the small print.

Understand how they operate

Understanding how Past Due Credit Solutions (PDCS) Debt Collectors operates

Understanding how debt collection agencies operate can help you defend yourself against them.

They are on a bonus

The Past Due Credit Solutions (PDCS) Debt Collectors agents who phone you are likely highly incentivised and are expected to collect a specified minimum amount of money per hour. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. Hence, they will do what they can to collect some money rather than record a “No Payment” call, including making intimidating and threatening behaviour.

The lesson here is if you are able to be strong and stand up to threats from Past Due Credit Solutions (PDCS) Debt Collectors, knowing that their threats are empty, you can to some extent turn the tables. Keep them talking but just don’t pay. You will still owe the money, but at least you won’t have to pay that day.

Automated call technology

You might be tempted to simply not answer calls from Past Due Credit Solutions (PDCS) Debt Collectors, but when this happens agencies often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer. Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you.

If this happens to you make a note the frequency of the calls. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. Tell the agent that you will be reporting them to the Financial Ombudsman.

The best way to contact the Financial Ombudsman is by phone on 0800 023 4567 or 0300 123 9123

Bad cop, good cop

Bad cop, good cop is a tactic frequently employed, and often is highly effective. When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. This change in attitude can happen in a single phone call where the agent starts off politely but should you fail to make a payment their behaviour becomes abusive. Nor is it just relentless phone calls. Frequent threatening and sometimes sinister letters are another common practice. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment.

It is difficult to stand up to such behaviour, which is exactly why they use it. But again, you should try to stay strong if you possibly can. Report it to the OFT using this online complaint form.

Embarrassing you by talking to third parties

If someone apart from you answers the call then agents frequently attempt to embarrass you by discussing your debt and financial problems with whoever answers the call. This could be a family member at your home, or it could be someone at your workplace. This is certainly illegal behaviour and breaches not only OFT guidelines, but also other privacy laws.

Again, such behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Deceit and lies

Deceit and lies

If everything else fails some debt collectors feel they are immune from the law and will apply some very nasty forms of leverage. They might pretend to be calling from the court, that they are a bailiff and will be visiting your home to remove your possessions, possibly even threatening you with criminal prosecution.

Never give them permission to visit you and if they do then never let them into your home and if you feel physically threatened then don’t hesitate to call the police.

Don’t let them wear you down

As we have seen, debt collectors such as Past Due Credit Solutions (PDCS) Debt Collectors are relentless and their behaviour could be responsible for mental ill-health and even suicide. Standing up to Past Due Credit Solutions (PDCS) Debt Collectors requires a degree of strength and courage few people possess. But there is help out there. Ultimately you need to get out of debt, but you need to do so in a controlled manner that will minimise your pain and distress. Ultimately all debt problems are solvable.

How to pay, what is the process?

The Past Due website is actually a little confusing. To make a payment you have to click ‘make a payment’ in the top banner or on the hamburger menu if you’re on mobile. Then you need to find your ‘customer ID’, which should be on one of the many letters they would have sent to you by now. Alternatively you can call them to get your customer ID, however if you’re already on the phone, you may aswell make the payement on the phone. Once you’re entered your customer ID, you can then make a payement via credit card or debit card.

Getting help with debt

There are various kinds of help with debt available: there are not-for-profit agencies who exist to provide one-to-one help for you, and there are commercial debt management companies whose aim is to make money out of you. The former should be your first port of call. Some of the important agencies include:

  • Citizens Advice Bureau (CAB) provides extensive help with debt and should help you stop debt collectors contacting you if you are able to show you are seeking help and are trying to repay your debts.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take charge of their debt.
Writing off your debt entirely

Writing off your debt entirely

It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA). This is a formal agreement to pay the debt collectors an amount you can afford as a one-off sum or as monthly payments and the rest of the debt will be written off after a defined period, usually five years. This must be carried out by an insolvency practitioner.

You only qualify for the government IVA scheme if your debts are over £1,200 and you have more than one debt. Fill out a 30 second form to see if you qualify using my 5 question virtual assessment.

Finally

Despite warnings from professional bodies, government guidelines, and other measures the behaviour of many debt collecting agencies is atrocious, leading vulnerable debtors into mental illness and even suicide. However, it is possible to fight back, especially with some help from the agencies mentioned in this article. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. Certainly, you can stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence.

Past Due Credit Solutions (PDCS) Contact Details:

Company Name: Past Due Credit Solutions (PDCS) Limited

Other Names: Past Due Credit Solutions (PDCS), PDCS, Pastdue

Address:
1 Blair Court
North Avenue
Clydebank Business Park
G81 2LA

Contact Number: 0141 951 4077

Website: www.pastduecredit.co.uk 

Email: info@pastduecredit.co.uk

Monday – Thursday: 8:00 am – 8:00 pm
Friday: 8:00 am – 7:00 pm
Saturday: 8:00 am – 1:00 pm

Numbers they call from

01415703200 08448113701 01419516447

FAQs

Are Pastdue Credit Solutions Limited financially regulated?

Pastdue Credit Solutions Limited is authorised by the Financial Conduct Authority. It’s registration number is 703411.

Do HMRC use Pastdue Credit Solutions Limited?

Pastdue Credit Solutions Limited is one of the debt collection agencies used by HMRC to collect debts.

Does Pastdue Credit Solutions Limited buy debt?

PastDue Credit Solutions buys debt from companies that have been unable to collect from you. They buy the debt for a few pence on the pound and then aim to collect a fraction of the full amount to make a profit.

What happens if you ignore debt collectors?

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.

Can you go to jail for debt collections?

You cannot go to jail for debts owed to debt collection agencies.

If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.

Can Pastdue Credit Solutions Limited issue a warrant?

PastDue Credit Solutions cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.

Are Pastdue Credit Solutions Limited bailiffs?

PastDue Credit Solutions are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Can Pastdue Credit Solutions Limited force entry?

PastDue Credit Solutions cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Can Pastdue Credit Solutions Limited come to your house?

PastDue Credit Solutions are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Will Pastdue Credit Solutions Limited give up?

PastDue Credit Solutions won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.

Can a debt be too old to collect?

A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.

Are debts ever written off?

Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.

How do I contact Pastdue Credit Solutions Limited?

You can pay Pastdue Credit Solutions Limited online or over the phone via a 24-hour automated payment line. They also accept bank transfers or standing orders, as well as payment by cheque or postal order via the post.

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