Do you owe money to PDCS? #
Who are Past Due Credit Solutions (PDCS)? #
Past Due Credit Solutions (PDCS) is a UK debt collection company. They collect debts for energy, water, and phone companies. They also work with some government departments.
Their company number is SC287794. Their full name is Pastdue Credit Solutions Limited. They’re based at 1 Blair Court, North Avenue, Clydebank Business Park, Glasgow, G81 2LA.
They’re regulated by the Financial Conduct Authority (FCA), which means they have to follow certain rules when contacting you.
What should you do if PDCS contacts you?
If you’ve had a letter or card from PDCS, don’t ignore it. Make sure the debt is yours. Then speak to someone you trust.
We offer free, confidential advice. We’ll talk through your options and explain how to deal with PDCS calmly and clearly.
The sooner you act, the easier it is to stop things getting worse.
What should I do if Past Due Credit Solutions contact me? #
If you owe money to a creditor and stop making payments, they can take action against you, including taking you to court.
Before you reach out to your creditor, you must know who they are. Your original creditors may have given the debt off to someone else without telling you, and this could be problematic because if they did not tell you in writing beforehand, then there’s a chance for confusion as well as potential scamming on behalf of other people trying to get money from an unsuspecting debtor such as yourself.
When you are struggling with financial hardship, there is no need to feel helpless. We can help! We will work out how much income and expenses you have to know exactly what your budget should look like before deciding about the best option for ending creditor contact – talk to us today about your options.
There are many unknowns when it comes to a creditor; they can be tricky and sneaky. If you receive a letter demanding that you pay back money for something which doesn’t seem like your debt or if the amount seems higher than what is actually due, do not ignore it! Give us a call today so we can discuss your options.
PDCS also collect debts for HMRC. These should be considered priority debts as bailiffs have greater rights of collection when it comes to collecting Government arrears.
Will Past Due Credit Solutions (PDCS) come to my house to collect debts? #
PDCS (Past Due Credit Solutions) use several methods to contact people who owe money. These can include phone calls that feel threatening, text messages, and letters warning of possible legal action.
If there is no response, they may even send field agents to visit your home to talk about the debt.
A home visit can be very upsetting. It does not just affect the person named in the letter — it can also cause stress and anxiety for the whole family. These tactics may have a negative impact on your mental and physical health, as well as on the people around you.
These types of contact are common approaches used by PDCS when trying to recover debt. If you do not have a debt advice company speaking on your behalf, this contact is likely to continue.
We are a long-established and independent debt advice website with years of experience dealing with creditors like PDCS. We understand the pressure these tactics can cause, and we know the rules debt collectors must follow. We can work with you to get the contact to stop and help you take control of the situation.
How we can help #
Credit card companies make money every day you over-spend because they hold onto your cash until interest rates go up (usually) or if you are late paying them back. It seems like an unfair system that will only benefit the credit cards companies once people get further into trouble, but this isn’t always true; there are escape routes out of high-interest rate loans and fees before bankruptcy becomes necessary–even though we don’t recommend any borrowing at all these days!
Debt support team #
We are one of the first in our field to provide an all-inclusive debt-management service online. Whether it be mortgage or credit card debts, we make sure that every customer can use our services without hassle. We also pride ourselves on dealing with any inquiry you may have about your situation – no matter how difficult!
Customer satisfaction #
We request reviews from every customer we help; some have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a concise space of time). So please check out these reviews and see for yourself!
We deal with a variety of debt solutions and a wide range of debt companies. This means that you will always find the best debt solution for yourself, without exception. as we are not tied to any particular company, we can work hard to ensure you repay the very minimum you need to.
An affordable PDCS Payment Plan #
Debt management plans are like a formal payment plan that usually requires the person to make monthly payments, which goes on the credit report as “current” accounts. Also, there is no time limit for how long these companies can manage to keep charging fees while none of your bills are being paid off.
Debt solutions #
If a payment plan is the best option for you, we can take all the stress out of negotiating the minimal monthly payment you need to make. We have a wide variety of debt solutions, and our skilled debt specialists are trained in offering the best debt advice and offering the best debt solution for you.
How (PDCS) chase debt—What you can do. #
PDCS uses computer systems to manage debt cases. These systems help them track payments, send letters, and follow a set process to collect money.
If you miss a payment, they may start with a phone call or letter. This will usually explain who you owe, how much, and what could happen next. It may include extra fees or a deadline to pay. Don’t ignore it—read it carefully.
If the debt isn’t dealt with, they might:
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Send someone to your home
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Apply for a County Court Judgment (CCJ)
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Threaten bankruptcy (if the debt is over £750)
Letters like these can feel personal—but they’re standard. Many companies use the same process. What matters is how you respond.
The law has changed in recent years. Bailiffs and creditors have fewer powers now, especially when someone is clearly struggling. But you still need to act quickly.
If PDCS has contacted you, get in touch. We’ll speak to them for you and help you understand your options.
No pressure. No judgement. Just clear advice and real support.
Can PDCS take me to court? #
Yes, they can—but only if certain steps are followed first.
Before taking court action, PDCS must send you a warning letter. This will explain the debt, give you time to respond, and outline what might happen next. It’s your chance to check the details and get help if needed.
The letter may be labelled a default notice or notice of intent to take action. It doesn’t mean court is guaranteed—but it means you should act quickly.
If the debt is real and unpaid, and you ignore it, PDCS can apply for a County Court Judgment (CCJ). This can affect your credit file for up to six years, making it harder to borrow money or get a mortgage.
But here’s the good news: you can deal with it before it gets that far.
If PDCS has contacted you, don’t panic. Mistakes happen. Sometimes debt is sold or chased in error. The best first step is to check the details and speak to someone who can help.
We offer free, confidential advice. No pressure—just clear steps to help you take control.
What rights do I have against PDCS? #
It is important to understand your rights as a UK citizen, especially when dealing with debt collection companies like Past Due Credit Solutions (PDCS). These rights are in place to protect you.
PDCS is not allowed to harass you. While they are permitted to contact you, they must do so in a reasonable way. There is no strict legal definition of what counts as harassment, but repeated, aggressive or threatening contact could qualify.
You have the right to ask PDCS to contact you only in writing. If you choose this option, make sure to respond to their letters to avoid the situation getting worse.
PDCS is not allowed to:
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Speak to your family, friends or neighbours about your debt. This is against UK data protection laws.
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Pretend they have legal powers they do not actually have.
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Send letters that look like court documents when they are not.
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Use threatening, abusive, or dishonest behaviour to pressure you into paying.
If PDCS shares your personal information without your consent or acts in a way that feels unfair, you can report them. You may contact the Financial Ombudsman Service or the Information Commissioner’s Office (ICO) to raise a formal complaint.
Knowing your rights can help you stay calm and in control when dealing with debt collectors. You do not have to face this alone — support and advice are available.
Do I have to pay Pastdue Credit Solutions? #
You should not pay anything until you receive debt management advice.
Paying PDCS in advance can be a big mistake. They are only interested in receiving money from you and have no interest in managing your PDCS debt.
Does DVLA use Pastdue Credit Solutions? #
It’s possible. Companies often use debt collection agencies to get the money they are owed when customers default on their credit agreement. However, if you’re not in debt and you’ve never owed any money with DVLA, then chances are a legit debt collector won’t come after you at all.
If there is a chance that this is legitimate and they are harassing you, it may be worthwhile to consult an expert or professional adviser who can determine whether the communication was in genuine pursuit of payments past due; you should do this type of inquiry before responding otherwise it could count as an admission of guilt.
Are Past Due Credit Solutions legit? #
Yes, they are. They are authorised and regulated by the Financial Conduct Authority (FCA). This means that they must abide by all of the laws laid out for credit providers in the UK.
Past Due Credit Solutions is a UK-based business that coordinates loans with outstanding balances from creditors.
Unfortunately, many scam companies aren’t regulated or authorised, so it’s important to learn about what they can and cannot do according to UK law if you are in a difficult situation. For more information on credit solutions for people with past due debts, contact our helpful PDCS debt specialists for more advice.
How do I contact Pastdue credit about debt collection? #
You can contact them by referring to their website, but we would be happy to help you with debt collection right away to don’t have to worry about saying the right thing.
This is probably one of the most uncomfortable and upsetting situations that you could find yourself in. However, when faced with a debt collector’s call or email, the best thing to do is address it as soon as possible. We will contact PDCS right away to work out what your options are before taking any further steps on this account.
Can a debt collection agency send a bailiff to my house? #
Perhaps you have heard of a bailiff but do not know what they are. A court-appointed bailiffs job is to oversee and assist in administering justice within their courtroom; this includes collecting money owed by citizens guilty or innocent.
PDCS Debt (Past Due Credit Solutions) or any other debt collection agency do not have any powers to enter your home or to confiscate your property.