Read Time 5 Minutes, 20 Seconds

Pastdue Credit Solutions might not be a familiar name to you. Buckle up because here’s a shocker: You might not have to pay Pastdue Credit Solutions a single penny! But wait, before you jump for joy, ignoring them could set off a whirlwind of trouble. 

You ask, what to do then? Stay with me as I unveil the secrets and thrilling options with Pastdue Credit Solutions. You don’t want to miss what’s coming in this article for sure!

Jane Rohan
Last updated on 21 July 2023
Fact Checked

Table of Contents

1. Unravelling the Identity of Pastdue Credit Solutions
2. Decoding the Reasons for Being Contacted by Pastdue Credit Solutions (PDCS) Debt Collectors
3. Do You Really Owe Money to Pastdue Credit Solutions?
4. Can You Pay Pastdue Credit Solutions but Choose Not To?
5. The Harrowing Impact of Pastdue Credit Solutions Debt Collectors on Your Life
6. How Pastdue Credit Solutions (PDCS) Debt Collectors Abide by the Law
7. Understanding how Past Due Credit Solutions (PDCS) Debt Collectors operate
8. Uncovering the Veil of Deceit and Lies Surrounding Debt Collectors, Including Pastdue Credit Solutions
9. Don’t Let Pastdue Credit Solutions Wear You Down
10. Simplifying the Payment Process to Pastdue Credit Solutions
11. Securing Assistance in Managing Debt, Including Those from Pastdue Credit Solutions
12. Is Writing Off Your Debt with Pastdue Credit Solutions an Option?
13. How to Reach Out to Pastdue Credit Solutions (PDCS) with Contact Details
14. Why It’s Essential to Keep Tabs on Other Debt Collectors Besides Pastdue Credit Solutions
15. Key points
16. FAQ


Unravelling the Identity of Pastdue Credit Solutions

Pastdue Credit Solutions, also known as PDCS. It is a UK-based debt collection agency registered at the address 1 Blair Court North Avenue, Clydebank Business Park, Clydebank, Glasgow, G81 2LA as an active Private Limited on 21st July 2005 with the company number SC287794

Also, it is registered under registration number 703411 at Financial Conduct Authority (FCA). 

They work on behalf of numerous businesses, seeking payment for debts that people may have neglected. If past-due credit solutions contact you, it’s crucial to know who they are and what they do to collect debts. Understanding their operations can offer peace of mind and guide your next steps.

Decoding the Reasons for Being Contacted by Pastdue Credit Solutions (PDCS) Debt Collectors

Why is Pastdue Credit Solutions reaching out? The typical reason: you owe them money. It might be a forgotten bill, an unpaid loan, or a credit card debt. An essential step is verifying the debt. 

You need to get the actual details of the debt. If not, you might pay a debt you might not own or an old debt. Confirm if it’s something you truly owe before committing to any payment plan. The actual details always matter!

Do You Really Owe Money to Pastdue Credit Solutions?

Always double-check for whatever you’ve received. It could be a letter, an email or a phone call informing you to pay. Is the debt real? Are you sure it’s yours? Pastdue Credit Solutions should provide ample evidence. But the following steps should be planned if you owe the debt. You should strategise a plan to pay it off. 

In debt collection guidance, it is crucial to determine which creditors you owe and the amount, as stated on your PDCS debt collection letter. To obtain this information, send a letter to Past Due Credit Solutions requesting an authentic copy of the credit agreement you stuck with them to pay them. 

This debt verification letter is named ‘prove the debt letter‘. If PDCS cannot provide proof of the debt or owe it, you are under no obligation to pay them. Additionally, check if the debt is not statute-barred. This can be really upsetting if you’re struggling financially. But it’s not the end of this story.

If it has been 6 (or 5 years in Scotland) since last paying on unsecured debts and you have not communicated with the creditor, plus no court involvement within that period, , the debt is considered statute-barred. It means that the debt is not enforceable, and you technically owe the money, but there is no legal way to force you to pay or enforce the debt. 

Not all debts become statute-barred, such as HMRC debts, which can stay enforceable for decades, or debts with a County Court Judgement (CCJ) attached during the 5- or 6-year window. Your journey through the debt labyrinth is just beginning.

Can You Pay Pastdue Credit Solutions but Choose Not To?

Pay up your debts all at once if proof of due is presented. If you are unable to pay off your debt in one lump sum, consider a payment plan. Negotiating with Pastdue Credit Solutions might be intimidating, but it is in their best interests to assist you in making your payments. 

If you can pay but hesitate, remember unpaid debts may lead to adverse effects. Your credit score can drop, affecting future financial opportunities. Pastdue Credit Solutions is willing to discuss payment options, but ignoring the debt won’t make it disappear.

The Harrowing Impact of Pastdue Credit Solutions Debt Collectors on Your Life

The stress of debt collectors like Pastdue Credit Solutions can be overwhelming. It may impact mental health, relationships, and overall quality of life. But there’s light at the end of the tunnel. Keep reading to discover how you can navigate these choppy financial waters.

Debt Support Trust and PDCS argue that debt collection finance companies often violate legal guidelines, such as;

  • Using pressure tactics
  • Bullying.
  • Harassment. 

These tactics can negatively impact a debtor’s mental health, as nearly 50% of debtors consider suicide. The Debt Support Trust has raised concerns about debt-related suicides, and 

Brighton University researchers found that debt clients often feel

  • Humiliated,
  • Disconnected,
  • Entrapped

The Debt Support Trust has called for the UK government to address this issue and provide more support and advice for debtors.

How Pastdue Credit Solutions (PDCS) Debt Collectors Abide by the Law

As a UK company, Pastdue Credit Solutions follows strict regulations. They must treat debtors fairly, providing accurate information without aggressive tactics like;

  • Automated threatening calls,
  • Threatening Messages,
  • Threatening Emails

The Financial Conduct Authority (FCA) regulates Past Due Credit Solutions (PDCS) and requires them to follow FCA strict guidelines. 

You may report PDCS to the Financial Ombudsman of your area if they threaten you by failing to follow these standards. The fact that you owe them money does not give them the authority to breach the law. Knowledge is power; understanding your rights can make all the difference in your debt repayment journey.

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

Debt collectors such as Pastdue Credit may be a serious concern for people who are unable to pay. It is advised that you consult with a debt charity in the UK. They might help you to obtain the best debt solution.

Their consultants can help you sort through your alternatives and discover the ideal answer for your specific scenario. Some charities and organisations provide free debt counselling.

A debt management plan (DMP) is an informal debt solution. This allows you to pay off your obligations with a single monthly payment. It is not legally binding, and you are not required to participate in a DMP for a set number of payments as it is informal.

An IVA is a formal arrangement between a borrower and creditors. This requires a monthly payment to be divided among debtors. The arrangement typically lasts 5-6 years. Also, any outstanding obligation is discharged at the end of that period. 

However, IVAs are not for everyone. The applicants must owe thousands of pounds to several creditors and establish discretionary income for IVA.

Trust Deed

In Scotland, IVAs are unavailable, requiring a Trust Deed. This method involves paying a monthly sum divided among creditors who are unable to contact the individual. Any remaining debt is wiped off at the end of the Trust Deed period.

Debt Relief Order (DRO)

A DRO is a realistic alternative for those suffering financial difficulties who have limited assets and income. Unsecured debts are locked for 12 months, and the individual can wipe off the bills if finances improve.

Bankruptcy may be the sole option for those with debts but no realistic chance of repaying them, causing an unjust connotation. This difficult financial situation should not be underestimated.

Sequestration, Scotland’s form of bankruptcy, is a simple option for persons with little income and no valued assets.  minimal asset process bankruptcy (MAP) is a faster, less expensive, and more intuitive solution.

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

Understanding your rights and defending against debt collection groups like Pastdue requires understanding the collection process and seeking advice. If PCDS acts in any of the banned ways, you should file a complaint with the FCA.

Buckle up as we go behind the scenes. You can find out in detail about how they operate. There are secrets to be revealed!

Initial Contact – What’s in the Mail?

The first contact from PDCS will most likely be via mail. Letters! Yes, you heard right. Letters, in this day and age. Can you imagine? So, what should you do with this letter? For starters, don’t ignore it. 

Open it up and read it. The information inside is the first piece of a big puzzle.

Phone Calls Explained

After the letter, your phone might ring. That’s Pastdue Credit Solutions trying to talk to you. They’ll be keen to know your plans regarding the debt. Your heart might race with the phone ringing off the hook but don’t fret. Stay calm because the next phase is where you turn the tables.

Emails – Are they Spamming you?

Pastdue Credit Solutions might slide into your inbox too. But wait, is it spam? Should you click it? You need to know that emails from them are official and essential. However, always double-check the email address to ensure it’s not a scam.

Communication Record – It is your Golden Ticket

Alright, let’s talk strategy. It’s essential to keep a record of all communications with Pastdue Credit Solutions. You might be thinking, “Why bother?” Well, these records are your lifeline. They will become super crucial down the line. Trust us on this.

  • Keep the letters in a folder.
  • Take notes during phone calls. Plus, record them if possible.
  • Save the emails.

But why? You’ll find out soon. The plot thickens!

Your Response – The Perfect Countermove

How should you respond to Pastdue Credit Solutions? First, don’t make any promises or payments right away. Instead, gather your thoughts. Ask for all the information regarding the debt. By law, they must provide this.

  • Request written proof
  • Inquire about payment plans.

Now, let’s address the elephant in the room: what happens if you don’t owe the debt? The twists and turns continue!

Mistaken Identity? – The Unexpected Scenario

Sometimes, debt collectors like PDCS get it wrong. They might contact you for a debt that’s not yours. It is where those communication records come into play. The notes, the letters, the emails – they all build your case. See, we told you they would be golden!

The Negotiation – Rolling Up Your Sleeves

If the debt is yours, it’s negotiation time. What can you realistically pay? Pastdue Credit Solutions will likely offer a payment plan. But remember, you have a say in this. Don’t agree to something you can’t afford.

Now, brace yourself because what comes next is crucial.

The Unexpected Ally – Who Can Help?

Believe it or not, there are people who can help. Debt charities, financial advisors, and even lawyers can be your allies in this journey. It is not a battle you fight alone. You can get help from charities like

  • StepChange
  • National Debtline
  • Citizens Advice
  • Debt Advice Foundation

They might not only help you to come up with a payment plan. Also, they might help you write off some of your debts if you are unable to make the payments.

The Grand Finale

So, what’s going to happen? Will you reach an agreement? Can you clear your debt without hassle? Or will there be unexpected surprises along the way? The final chapter is yet to be written. Stay tuned as we unravel even more secrets in the upcoming sections. 

The debt collector industry faces challenges due to government guidelines and warnings. Debt help charities offer resources to combat this issue. While refusing to pay is not easy, using the process to spread repayments can help avoid financial distress. 

Reporting harassment and bullying to the Financial Ombudsman can prevent debt collectors from removing their licenses.

The journey through the PDCS labyrinth continues. Keep reading. It’s about to get even more interesting!

Uncovering the Veil of Deceit and Lies Surrounding Debt Collectors, Including Pastdue Credit Solutions

Sadly, not all debt collectors are trustworthy. Some exploit debtors through scams or false information. It’s essential to verify and research before making any payment. We’re pulling the curtain back on these deceitful practices.

PDCS can be a source of complaints if customers believe they have been unreasonable or misbehaved. To report an issue, first contact Pastdue directly, then escalate if they have not taken the complaint seriously enough.

 If the issue is not appropriately addressed, escalate to the Financial Ombudsman Service (FOS), which will investigate and investigate. If the complaint is upheld, Pastdue may face fines or compensation. The FCA guidelines also apply to Pastdue Credit Solutions.

Don’t Let Pastdue Credit Solutions Wear You Down

Debt collectors use the bad-cop-good-cop routine, where aggressive agents request payment from polite, friendly callers. If rejected, these callers can revert to their intimidating and aggressive behaviour, gradually wearing the debtor down. 

This tactic is brutal to stand up to, making it a persistent issue for debt collectors. The pressure can be daunting, but remember, you’re not alone. Various resources can help you handle the situation. Stay strong, and let’s explore these options next.

Simplifying the Payment Process to Pastdue Credit Solutions

The process should be simple once you verify the debt and decide to pay. PDCS accepts various payment methods. Be sure to request a receipt for each payment. Transparency is critical in the debt repayment journey.

Customers can pay Past Due using their account reference number, which can be found in the letters they receive. Customers can also call for their customer ID and make payments over the phone. Once entered, clients can finish the transaction using a credit or debit card.

Securing Assistance in Managing Debt, Including Those from Pastdue Credit Solutions

Consider seeking professional help for managing your debt. Financial advisors can help you strategise and regain control. They have professionals who can help you to create strategies to overcome your debts. Remember, it’s okay to ask for help.

In the UK, many organisations offer free debt counselling services and financial advice to help individuals manage their debt. These charities, along with national debt lines like 

  • National Debtline
  • Citizens Advice
  • StepChange
  • Citizens Advice

Provide advisers to help clients find the best solution for their debt issues.

Is Writing Off Your Debt with Pastdue Credit Solutions an Option?

In some cases, writing off debt may be an option. However, this must be carefully considered. Various debt solutions are available in the UK; the proper one might eliminate part of your excessive debt, but the wrong one could be costly and time-consuming.

You might be able to avoid Pastdue Credit Solutions bill collectors if you write off part of your excessive debt.

How to Reach Out to Pastdue Credit Solutions (PDCS) with Contact Details

Communicating is always crucial at any moment. It can solve many problems once appropriately done. So you might try to get in touch with PDCS directly. Connecting with Pastdue Credit Solutions is crucial. Here are their contact details:

Address: 1 Blair Court North AvenueClydebank 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 and 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

Why It’s Essential to Keep Tabs on Other Debt Collectors Besides Pastdue Credit Solutions

Keeping an eye on other debt collectors is vital. Your financial health isn’t just about one debt. According to the information office for Budget Responsibility, UK household debt will climb from £2.006 billion in 2020 to £2.354 billion in 2025. 

Many people have various debts, making debt management essential. Check bank records, email and post contact from large corporations like 

  • PRA Group 
  • Lowell Finacial 
  • Cabot Financial

Make informed decisions. Gain control over your financial future.

Key points

  • PDCS is a UK-based debt collection agency registered as a Private Limited company under the company number SC287794 and regulated by the Financial Conduct Authority (FCA).
  • DCS contacts individuals because they owe money, such as a forgotten bill, an unpaid loan, or credit card debt.
  • Verifying the debt’s authenticity is crucial before committing to any payment plan.
  • Individuals should double-check the debt they receive from PDCS to ensure it is genuine and actually owed by them.
  • If the debt is genuine and owed, individuals can choose to pay it in whole or negotiate a payment plan with PDCS.
  • The stress from dealing with debt collectors like PDCS can have adverse effects on mental health and overall quality of life.
  • Understanding PDCS’s collection process and your rights as a debtor is essential.
  • PDCS can be contacted through phone, email, or mail.
  • Managing multiple debts carefully is essential, as UK household debt is projected to increase.
  • Some debt collectors may engage in deceitful practices, so verifying and researching before making any payments is essential.


Hold your breath to get into the most awaited segment! It’s time to dig into the most burning questions about Pastdue Credit Solutions. Are you ready to clear yourself with the burning questions you had about PDCS? We’re spilling the beans right here, right now!

Is Pastdue Credit Real or Fake?

Real as daylight! Pastdue Credit Solutions Limited is a bona fide entity. They have the Financial Conduct Authority’s stamp of approval with registration number 703411. 

Who Uses Pastdue Credit Solutions?

Drumroll, please! Pastdue Credit Solutions dons its cape for the mighty HMRC for self-assessment debt! But there’s more. Companies like BT, Sky, and British Gas are on the list too. 

Who Is PDCS Debt Collectors?

Let’s go on a virtual trip to Clydebank in Glasgow. It is the time when Past Due Credit Solutions calls home. Known as PDCS, they’re a debt collection agency. They work with a slew of UK companies to chase overdue debt payments. 

Is PDCS a Legit Company?

“Legit” is the word! With UK registration under Company Number SC287794, Pastdue Credit Solutions Limited means business. But here’s a twist. They act on behalf of companies to recover debts and sometimes buy debts to collect themselves. 

Do You Have to Pay PDCS?

Here comes the nail-biting part. If PDCS sues and triumphs, the court might say, “You need to pay!” But if your money and property are under lock and key (protected), they can’t touch them.

How Do I Contact PDCS?

Need to reach out to Past Due Credit Solutions? Here’s the treasure map:

  • Company Name: Past Due Credit Solutions Ltd.
  • Other Names: PDCS, Pastdue.
  • Address: 1 Blair Court, North Avenue, Clydebank, Glasgow
  • Primary Contact Number (s): 0844 811, 0141 951 4077, 0141 570 3200, 3701, or 0141 951 6447.
  • Email: info@pastduecredit.co.uk

Now you have the key to their castle. Use it wisely.

What Is a Pastdue Credit Solutions Letter?

Have you received a letter or text from Pastdue Credit Solutions? Don’t panic! It’s their way of chasing debt. They claim you owe them money. 

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