Pastdue Credit Solutions

Can you help me deal with Pastdue Credit Solutions?

Yes, here at PennyPlan we specialise in helping people dealing with their debts. You can compare your debt solution options to see what might fit, and we offer a wide range of them 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. You can also browse our directory of debt types and collectors for guidance on anything else you are dealing with.

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 PDCS 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.

Do I have to pay Pastdue Credit Solutions?

If the debt is yours and the amount is right, yes. You still owe it, even though Pastdue Credit Solutions is now collecting it rather than the original lender. But you can ask them to prove it first. Write to Pastdue Credit Solutions and ask for a copy of the original agreement and a statement of the account, and ask them to put the account on hold while they reply.

You don’t have to pay if the debt isn’t yours, has already been paid, or is statute barred. In England and Wales most unsecured debts become statute barred after 6 years with no payment or written acknowledgement and no court judgment. In Scotland the period is usually 5 years. Different rules apply to tax debts owed to HMRC.

Never pay a debt you don’t recognise until it’s been checked.

Can Pastdue Credit Solutions send bailiffs?

Pastdue Credit Solutions is a debt collector, not a bailiff firm. It can’t take your belongings or come into your home. Bailiffs could only become involved if the creditor gets a County Court Judgment (CCJ) against you and you don’t pay as the court orders. If Pastdue Credit Solutions is collecting a debt for HMRC, HMRC has its own enforcement powers and doesn’t always need to go to court first, so deal with it quickly.

Not ready to talk yet? Try our IVA calculator to see what an IVA could look like for you.

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.

How to complain about Pastdue Credit Solutions

1. Complain to Pastdue Credit Solutions first, in writing, and keep a copy.
2. Wait for their final response. They have up to 8 weeks to reply.
3. Take it to the Financial Ombudsman Service if you’re unhappy with the answer or haven’t had one after 8 weeks. It’s free.

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 six 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.