For free and impartial money advice and guidance, visit MoneyHelper.

Call free for debt help: 0800 404 5050

PDCS Pastdue Credit Solutions Debt – Should You Pay?


Could you write off some Past Due Credit Solutions debt?

1 of 5

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Debt Info
Debt Collectors
Scott Nelson Profile Picture
By
Scott Nelson
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more
- Financial Expert
Updated 09 November 2023

Our team fact-checks content to ensure accuracy at the time of writing. Note, things do change and sometimes we do miss things (we’re only human!), so it’s important that you read the terms of any products that you’re considering before you apply.

Reviewed by
Janine Marsh
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Featured in...
Pastdue Credit Solutions Debt

If you’ve received an unexpected letter from PDCS Pastdue Credit Solutions, it’s normal to be confused and worried. It’s important to know what to do next.

Luckily, you’ve come to the right place. Every month, over 170,000 people visit our website for help with debt solutions.

In this article, we’ll guide you on:

  •  How to find out if the debt is really yours.
  •  Why PDCS is contacting you.
  •  What to do if you can’t afford to pay.
  •  Your rights under the law.
  •  Ways to ask for help with your debt.

Some of us have also dealt with debt collectors. We know it can be scary. But don’t worry; we’re here to help you understand your options and find a way forward. 

Let’s take a closer look at PDCS Pastdue Credit Solutions and what you can do if they claim you owe them money.

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

Past Due Credit Solutions are most likely contacting you because you have an overdue debt and they’ve been hired by the company to get you to pay. 

Debt collection agencies like Past Due Credit Solutions can operate with different setups. There are independent debt collectors, collectors who are one arm of a larger creditor business (often hiding their identity), and some people work in the debt collection industry as sole traders.

Unlike other debt collectors, Past Due Credit Solutions do not purchase the debt from the original creditor, so they don’t own it. Instead, they are paid a fee to collect it on behalf of the original creditor. 
Your personal circumstances are not their priority and don’t expect them to show empathy. The Office for Fair Trading has acknowledged this by stating these types of practices are “widespread” (OFT, 2010).

Check if you really owe the money

The first step in our debt collection guidance is to find out which creditors you owe and how much. This should be stated on your PDCS debt collection letter.

To get this information, it is time to send a letter to Past Due Credit Solutions requesting an authentic copy of the credit agreement that you supposedly did not stick to. 

My ‘prove the debt letter‘ will guide you on what to do. 

If PDCS can’t provide you with proof of the debt or proof that you owe it, you are under no obligation to pay.

You also need to check that the debt is not statute-barred.

If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.

This means that the debt is not enforceable. It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced.

Keep in mind that not all debts become statute-barred!

Any HMRC debts, for example, will stay enforceable for decades. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will be enforceable for a while. 

Can pay but won’t pay?

If proof that you owe them money is provided, the easiest way to get out of your debt situation is to pay up.

Paying in one go will get PDCS off your back the quickest. If you can’t pay off your debt in one go, you can pay with a payment plan.

Negotiating with Pastdue Credit Solutions can be scary, but keep calm! Remember that it is in PDCS’s best interests to help you pay and not be difficult.

If you are unable to keep to a repayment plan, you could benefit from a debt solution. I will go through your options for debt relief later in this article. You may also need to get some financial advice fro PDCS debt. I have listed some charities that give advice for free at the bottom of this page.

How do I pay?

Many people choose to pay Past Due on their website, but you will need your account reference number to do this, which will be on the letters they sent you. Their website provides further information. 

Alternatively, you can call them to get your customer ID, however, if you’re already on the phone, you may as well make the payment on the phone. Once you’ve entered your customer ID, you can then make a payment via credit card or debit card.

Could you write off some Past Due Credit Solutions Debt?

  • Affordable repayments
  • Reduce Pressure from people you owe
  • One simple monthly payment
Get started

How debt collectors can ruin your life…

Debt collection finance companies use techniques that toe the line of the law, sometimes stepping over it. They might apply pressure with a phone call, bully you into paying or even harass you with repeated calls. Sometimes they even call you at work. This goes against debt collection rules. 

If you are being chased by Past Due Credit Solutions, this could have serious consequences on your quality of life. It could lead to mental health issues, and some have taken their life because of debt collectors. 

The Debt Support Trust states that nearly 50% of debtors consider suicide, which has even made coroners speak up about their concerns following debt-related suicides. 

Brighton University researchers conducted their own investigation into the credit history and mental health, stating “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health” (Walker et al., 2012).

Consequently, they have tried to rally the UK Government to attack the issue and create more avenues of support and advice for debtors.

What if I Can’t Afford to Pay Pastdue Credit?

If you owe money to Pastdue Credit or other debt collectors but you are struggling to pay, you may benefit from a debt solution.

There are several debt solutions available in the UK so I recommend speaking to a debt charity. Their advisers will be able to walk you through your options and help find the best debt solution for you.

I have linked some charities and other organisations that offer these debt counselling services for free at the bottom of this page.

Debt Management Plan (DMP)

A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.

Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.

IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.

Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.

Trust Deed

IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.

Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.

Debt Relief Order (DRO)

A DRO is a good option for those facing financial hardship with no assets and little income.

For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.

If your finances haven’t improved during this year, you may be able to write off your unsecured debts.

Bankruptcy

If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.

Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.

Sequestration

Sequestration is the Scottish version of bankruptcy.

If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.

Are you struggling with unaffordable debt?

  • Affordable repayments
  • Reduce pressure from people you owe
  • Lower monthly repayments
Get started

How Do I Complain About Pastdue Credit?

If you think that Pastdue Credit has been unreasonable or behaved inappropriately, you can make a complaint. You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.

Fortunately, complaining about Pastdue Credit Solutions is quite straightforward!

Make your first complaint to Pastdue directly so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.

You can make any secondary complaint to the Financial Ombudsman Service (FOS). They will investigate and, if your complaint is upheld, Pastdue may be fined. You could even be owed compensation.

How do I Contact Past Due Credit Solutions (PDCS) Contact Details:

You can contact PDCS through any of the following means:

Address: 1 Blair Court North Avenue
Clydebank Business Park, G81 2LA
Contact Number: 0141 951 4077
Website: www.pastduecredit.co.uk
Email address: info@pastduecredit.co.uk (Pastdue Credit)
Opening Hours: Monday – Thursday: 8:00 am – 8:00 pm
Friday: 8:00 am – 7:00 pm
Saturday: 8:00 am – 1:00 pm
Company Name: Past Due Credit Solutions (PDCS) Limited
Other Names: Past Due Credit Solutions (PDCS), PDCS, Pastdue
Numbers they call from: 01415703200
08448113701
01419516447

Should You Check For Other Debt Collectors? 

The amount of personal debt in the UK is constantly rising. The Office for Budget Responsibility predicted that the total UK household debt would climb from £2.006 billion in 2020 to £2.354 billion in 2025.

Given this, it’s unsurprising that many people in the UK owe more than one debt. 

If there’s a chance that you do have other debts, then you need to make sure they’re under control.

The first step to take is to check your bank statements, email and post for correspondence from debt collectors.

Here are a few of the biggest to keep a lookout for – 

FAQs

Who owns Past Due Credit Solutions?
Caroline Grant is registered as the owner of Past Due Credit Solutions.
What does PDCS mean?
PDCS stands for Past Due Credit Solutions, they are a debt collection agency that collects debts on behalf of other companies.
Are Pastdue Credit financially regulated?
Pastdue Credit Solutions Limited is fully authorised by the Financial Conduct Authority. Their registration number is 703411.
Who uses past due credit solutions?
Past Due collects for the HMRC for self-assessment debt and is also known for collecting on behalf of companies like BT, Sky and British Gas.
Does HMRC use Pastdue Credit Solutions?
Pastdue Credit Solutions is one of many debt collection groups used by HMRC to collect unpaid tax and similar debts.
Does Pastdue Credit buy debt?
PastDue Credit Solutions will purchase debt from HMRC and companies that have had no success in collecting the debt from you.
What can happen if I ignore debt collectors?
Ignoring debt collectors could result in them turning up on your doorstep requesting money. You don’t have to pay them or let them inside, but if they get a CCJ for the debt, you would be forced to pay by enforcement agents – and it will appear on your credit file.
Can I go to jail because of PDCS Past Due Credit?
No – there is no jail sentence for owing a debt to a debt collection group.
Can Pastdue Credit Solutions arrest me?
Absolutely not! PastDue Credit Solutions are able to request a CCJ, and if they get it, they can send enforcement agents to collect valuable items to be sold at auction. They certainly cannot issue arrest warrants, or have you sent to jail.
Are Pastdue Credit Solutions Limited bailiffs?
PastDue Credit Solutions are not the same as bailiffs. They may request a CCJ, which means they can employ bailiffs to come to your property. You will have received lots of notification letters if they were going to do this.
Can PDCS Past Due Credit force entry?
PastDue Credit Solutions cannot force entry, they have zero powers over you in this regard. However, if you received a CCJ, the courts can instruct bailiffs (enforcement agents) to visit you at your home.
Can Pastdue Credit Solutions Limited visit my house?
PastDue Credit Solutions can come to your home but you do not have to acknowledge their presence or welcome them inside. You only need to take action if bailiffs come knocking.
Will PDCS Past Due Credit give up?
It is unlikely that PastDue Credit Solutions will give up on the debt until they have exhausted every legal option they can use. This means you could be chased for a minimum of six years until the debt is no longer legally enforceable.
Can a debt be too old for a debt collector or creditor to chase?
Yes, a debt can become too old for a debt collector to demand. The Limitations Act states that debt collectors have six years to get their money. This countdown begins the last time the debt was acknowledged by yourself in writing or your last payment. Therefore, it is possible for debt to be too old for collection.
Are debts ever written off?
Debt collectors like PDCS may write off a debt if the debt is no longer enforceable via the courts. This means your debt can be written off if six years have passed since you last acknowledged or paid some of the debt in question.
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..
Where can I get further advice?
You may be able to get advice to take on debt collection agencies for free. The best place for free debt advice is a debt advice charity.

References

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
×
Beat Past Due Credit Solutions
Beast PDCS Debt Collectors
  • Affordable repayments
  • Reduce pressure from people you owe
  • Lower monthly repayments
Close