Property Debt Collection (PDC) Do You Need to Pay?

Have you just got a letter from Property Debt Collection (PDC) and not sure what to do? You’ve come to the right place! Every month, over 170,000 people visit our website seeking advice on debt matters.

In this easy-to-understand guide, we’ll explore:

•  Who Property Debt Collection are and why they might be contacting you.
•  How to make sure if the debt is really yours.
•  Ways to stop unwanted calls and letters from PDC.
•  Options to make paying the debt easier, or even writing some of it off.
•  What to do if you can’t afford to pay.

Research shows that 64% of UK adults find interactions with current debt collectors stressful¹. So, we know how getting a debt letter feels.

Don’t worry; we’re here to help you figure things out.

What Really Are Property Debt Collection LBAs?

Have you received a letter from Property Debt Collection? These are known as LBAs within the debt collection industry because Property Debt Collection are giving the debtor the chance to pay off the debt before the take action (Letter Before Action).

Typical Debt Collection Process

Here’s a quick table that explains the key stages and actions involved in the debt collection process. If you want to learn more or require further advice, be sure to check out our specialized guide.

Make Property Debt Collection Prove It!

If you don’t believe Property Debt Collection or just want to buy some time, you can request Property Debt Collection to prove you owe the money.

They have to provide you with physical proof such as a signed agreement to prove it. Without proof, the debt does not have to be paid.

The best way to make them prove it is to reply to their LBA with a prove the debt letter.

Don’t do this if they actually provided proof within their LBA, although this is not so common among debt collectors. 

When You Don’t Need to Pay

There is one way you might not have to pay Property Debt Collections anything. Due to a little-known law from The Limitations Act, some older debts do not have to be paid because the courts are too busy with recent cases and therefore cannot be legally enforced.

If your debt is over six years old, there is a chance it could qualify and that means Property Debt Collections can never take you to court.

We recommend researching more about statute barred debts (the technical name) and discovering if your debt is too old to be collected.

Debt charities can help with this too.

» TAKE ACTION NOW: Fill out the short debt form

Ignoring the Debt Letters

We always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it or they can’t charge you.

It is not wise to ignore a debt letter from Property Debt Collection. If you fail to pay, they could take you to court as further action and get a judge to make you pay.

If the reason you are ignoring their letters is due to insufficient funds to pay the debt, keep reading because there may be solutions for you.

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Stop Harassing Calls From Them

As well as scary letters, Property Debt Collection could start calling your mobile or home phone and ask you to pay. These calls can be a nuisance and sometimes even distressing.

One top trick in this situation is to inform Property Debt Collection of your calling preferences and tell them when you are free to talk. Property Debt Collection will have to keep to these preferences, or they will be committing harassment.

If they don’t, you can complain (more on that later!)

Can They Repossess My Home?

If Property Debt Collection take you to court and win, they will get a CCJ that enforces the debt and makes you pay. If you continue to not pay, Property Debt Collection can then employ bailiffs to come to your property and take the payment.

They may repossess some items to pay off the debt if needed.

Another option is to try and repossess your home, but this requires a different process. However, this is rare and doesn’t usually happen unless your debt is significant. Other means of getting the money will often be explored and exhausted first.

Even if you did have your home repossessed, it would never be a Property Debt Collection worker that would do this.

Discover Your Debt Solutions!

If you cannot afford to pay off the debt immediately, there are ways around this problem.

If you speak with Property Debt Collections and ask them for a repayment plan, they may be able to help.

On top of this, there are scores of other debt solutions. Some of them are legally binding whereas others are informal debt solutions.

Get a full breakdown on the best debt solutions, now!

Where to Direct a Complaint

If you feel like Property Debt Collections have not acted in accordance with the law, maybe they are calling too much or applying pressure for you to pay, you can make a complaint.

The Financial Ombudsman is the place where all complaints should be directed. They will assess the situation and make a final judgement (you can ask for a second judgement on a case). If Property Debt Collections are found guilty, they may be forced to compensate you.

But the Ombudsman asks that all complaints are first directed to Property Debt Collections to see if matters can be resolved early.

Property Debt Collection Ltd Contact Information

References

1. Indebted Debt Collection Survey