Pastdue Credit Solutions
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Who are Pastdue Credit Solutions?
Pastdue Credit Solutions (PDCS) are a debt collection company based in Glasgow, Scotland. They collect debts for a number of utility, telcoms and energy companies. They are also an appointed debt collector for HMRC and some other government agencies such as DVLA.
Their full company name is Pastdue Credit Solutions Limited and their registered company address is 1 Blair Court, North Avenue, Clydebank Business Park, Glasgow, G81 2LA.
How to contact Pastdue Credit Solutions?
Pastdue Credit Solutions telephone number:
0141 447 0554
Website:
https://www.pastduecredit.co.uk
Pastdue Credit Solutions postal address:
1 Blair Court, North Avenue, Clydebank Business Park, Glasgow, G81 2LA.
Can you help me deal with Pastdue Credit Solutions?
Yes, here at PennyPlan we specialise in helping people dealing with their debts. We offer a wide range of different debt solutions and will only ever discuss options that are relevant to you based on your own financial circumstances.
We have helped many customers deal with debt collectors, including Past Due Credit Solutions. We guide our clients through the entire process to get them their desired resolution with some even writing off a percentage of the debt they owed.
Are Pastdue Credit Solutions legitimate?
“Are Past Due Credit Solutions legit?” is a question our advisors get asked all the time. The answer is yes, they are legit. They are authorised and regulated by the FCA (Financial Conduct Authority.
This means they must abide by all laws set out to credit providers in the UK. These rules establish the minimum standards that companies like PDCS must meet to be considered trustworthy debt collectors.
Who do Pastdue Credit Solutions collect debts for?
Pastdue Credit Solutions are a debt collector who work for several utility and telecoms providers in the UK. They also collect on a range of different debts for government bodies like HMRC and the DVLA.
Some of the more prominent companies using PDCS to collect their debts are: Sky, BT, OVO Energy, EDF, SSE, Three UK and many more.
Why are Pastdue Credit Solutions contacting me?
If you have been contacted by Pastdue Credit Solutions this is because a company they represent is saying you owe them money. This can often be a confusing time as you might not be familiar with the company name.
Creditors often do not make it clear, or even sometimes they will not make you aware that they have passed the debt on to a company like Pastdue Credit Solutions, so it can come as a bit of a shock or catch you off guard when they contact you.
If you are worried about dealing with Past Due Credit Solutions then let us help you with them.
Click ‘Contact Us Now‘ below and we will give you a call straight away.
How will Pastdue Credit Solutions get in touch with me?
Their contact will usually start with them sending you basic letters requesting you get in touch with them by phone to arrange payment, but this can quickly escalate into letters threatening to visit your home.
They will also try to contact you by phone and have numerous different telephone numbers. Some of the more common ones used when chasing debts are: 0844 811 3701, 0141 951 6447 & 0141 570 3200.
They will call repeatedly throughout the day on the hope of catching you when you are available to talk but generally, they will not leave a message if you do not answer.
What should I do if Pastdue Credit Solutions are contacting me?
If Pastdue Credit Solutions are contacting you, the first thing you should do is take impartial advice from a specialist in dealing with debt collectors like PennyPlan.
We will take you through a short telephone consultation to understand your situation from a neutral point of view, we can help you understand whether you are liable to pay the debt and help you understand what options you have to repay towards this debt, if you can afford it.
Click ‘Contact Us Now‘ below and we will give you a call straight away.
The important thing to remember with ourselves is we are on your side. We will take you through a process known as an income & expenditure to understand fully your financial situation and then we will talk to you about which options are available to you to take care of your debts.
How to deal with Pastdue Credit Solutions?
Don’t ignore the problem as it won’t go away. If a debt collector like PDCS is involved the issue needs dealing with. The first thing to understand, is that you do actually owe the money you are being chased for. It is up to Pastdue Credit Solutions to prove that this is the case.
This should be proven by them providing the original credit agreement with your signature on it. You can request this either over the phone if you do decide to take their call or if you would rather not speak to them you can also send this request off in writing to them.
It is very important when you communicate with them if you do so by post, you should type your name instead of signing it. This is so you do not provide them with a new copy of your signature, and they can only provide this if they do have an original credit agreement proving you owe the debt.
If you do not owe the debt, you should receive communication from PDCS to state they have dropped this claim against you and they will no longer be chasing you regarding this debt.
If you do genuinely owe the debt, then you should look at ways to pay it back and we can help you explore your options as there are a number of different ways to do so depending on eligibility.
Click ‘Contact Us Now‘ below and we will give you a call straight away.
Can Pastdue Credit Solutions take me to court?
The short answer to this question is yes, any debt collector can take you to court if you owe them money but there are strict legal processes in place which they must follow before it would ever get to that stage.
Initially, they are required to send you a warning letter, typically in the form of a default notice, to inform you of their intention to take legal action. It is crucial to take prompt action upon receiving a default notice to prevent the situation from escalating. A default can harm your credit score.
Once a default notice has been issued, and only after that, a debt collection agency can serve you with a claim form. Subsequently, a County Court Judgment (CCJ) may be issued against you, which will remain on your credit report for a duration of seven years.
We would always recommend getting in touch with the debt collector before it gets to this stage to see if you can deal with things before they escalate any further. We can help you deal with this process and we can discuss which debt solutions can offer legal protection which will stop legal proceedings if they are not already too far gone. The key part of this process is speaking with us as soon as possible to see what options you have.
Click ‘Contact Us Now‘ below and we will give you a call to help you deal with this process.
Do HMRC use Pastdue Credit Solutions?
Yes, HMRC use Pastdue Credit Solutions to collect on a wide range of debts. These include VAT, Self-Assessment, Corporation Tax, National Insurance Class 2 & PAYE debt.
This is verifiable on HMRC’s website Gov.uk and can be confirmed on the following link for your peace of mind – https://www.gov.uk/guidance/what-will-happen-if-you-do-not-pay-your-tax-bill#hmrc-and-debt-collection-agencies
Does Pastdue Credit Solutions affect credit score?
A lot of clients ask us the same question. If you have a debt with PDCS this is because you have not kept up with your agreed repayments. A single late or missed payment might impact your credit score in a negative manner.
Past Due Credit Solutions get involved when your account goes into default which is usually after 3-6 months of arrears.
Although the default on your credit file will drag your credit score down, all hope is not lost. There are a number of things you can do over time to try to offset the impact this has.
If you would like to discuss your options and talk about how we can help with a debt solution click ‘Contact Us Now’ to arrange a call.
Still unsure or want to know more?
That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.
At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.
So, get in touch today and start living better with PennyPlan.
