Concept of halting unwanted debt collection letters from Pastdue Credit Solutions. Hand reaching out of tower

Pastdue Credit Sending Letters? Find Out How to Make Them Stop!

Dealing with debt can be a daunting experience, especially when faced with debt collection agencies. One such agency that you might encounter is Pastdue Credit Solutions. This article aims to provide you with a comprehensive guide about Pastdue Credit, its operations, and how to navigate your interactions with them.

Pastdue Credit Solutions, often referred to as PDCS, is a debt collection agency based in the UK. They work on behalf of various businesses and organisations to collect outstanding debts. If you’ve received a letter or a call from Pastdue Credit, it’s likely because you have an overdue payment that they are trying to collect.

In the forthcoming sections, we will delve deeper into understanding Pastdue Credit, their legitimacy, and how you can effectively deal with their debt collection activities.

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Understanding Pastdue Credit

Pastdue Credit Solutions (PDCS) is a debt collection agency based in Glasgow, Scotland. They are a part of the wider Capita PLC group, a British company that provides consulting, digital services, and software products to a range of clients.

PDCS specialises in recovering overdue payments on behalf of businesses and organisations across various sectors. These sectors include utilities, retail, financial services, and local government. If you have an unpaid bill or an outstanding debt with a company that PDCS represents, you may find yourself dealing with them.

Their approach to debt collection is typically initiated by sending a letter or making a phone call to the individual who owes the debt. The correspondence from PDCS will usually contain information about the debt, including the amount owed, the company to whom the debt is owed, and instructions on how to repay the debt.

It’s important to note that PDCS is regulated by the Financial Conduct Authority (FCA), which means they are required to follow certain guidelines and procedures when collecting debts. This includes treating customers fairly, providing clear and transparent information, and offering support to those who are struggling financially.

In the next section, we will discuss the legitimacy of Pastdue Credit and whether you should pay your debts to them. We will also provide guidance on how to stop their debt collection activities.

The Legitimacy of Pastdue Credit

When dealing with debt collection agencies, it’s natural to question their legitimacy. Pastdue Credit Solutions is indeed a legitimate debt collection agency. They are registered in Scotland and are authorised and regulated by the Financial Conduct Authority (FCA). This means they must adhere to strict guidelines and regulations when conducting their debt collection activities.

However, the legitimacy of the agency does not necessarily mean that you are legally obligated to pay the debt they are collecting. There are several factors to consider:

  1. Statute Barred Debts: In England and Wales, most types of debt are ‘statute barred’ if the creditor has not contacted you about the debt for a period of six years. If a debt is statute barred, it means you no longer have to pay it.
  2. Incorrect Debt: There are instances where debt collection agencies pursue individuals for debts that are not theirs. This could be due to errors in the creditor’s records or cases of mistaken identity. If you believe that the debt PDCS is contacting you about is not yours, you have the right to dispute it.
  3. Unaffordable Repayments: If you are unable to afford the repayments PDCS is asking for, you should not agree to their proposed repayment plan. Instead, seek advice from a debt charity or a licensed insolvency practitioner like Become Debt Free.

Remember, while it’s important to deal with your debts, it’s equally important to ensure that you are treated fairly and that any repayment plan is affordable for you. In the next section, we will guide you on how to stop Pastdue Credit’s debt collection activities.

How to Stop Pastdue Credit’s Debt Collection Activities

If you’ve received a debt collection notice from Past Due Credit Solutions (PDCS), it’s crucial to know your rights and the steps you can take to stop their activities. Here’s a step-by-step guide on how to handle this situation:

pastdue credit

Here’s a breakdown of the steps:

  1. Receive a Debt Collection Notice: If PDCS contacts you about a debt, don’t ignore it. It’s important to acknowledge the situation and take steps to address it.
  2. Contact a Debt Advisor: Reach out to a licensed insolvency practitioner or a debt charity. For instance, Become Debt Free offers advice and solutions to individuals struggling with debts. You can contact them at 0800 169 1536 or leave an enquiry on their website.
  3. Receive Advice: The debt advisor will provide you with advice on your rights and the best course of action based on your specific circumstances. This could include disputing the debt, setting up an affordable repayment plan, or even writing off the debt through mechanisms like an Individual Voluntary Arrangement (IVA).
  4. Respond to PDCS: Based on the advice you receive, respond to PDCS accordingly. This could involve sending them a letter to dispute the debt, offering a repayment plan, or asking them to prove the debt.
  5. Cease Debt Collection Activities: Once you’ve taken the advised action, PDCS should cease their debt collection activities. If they continue to contact you, inform your debt advisor who can guide you on the next steps.

Remember, you have rights when dealing with debt collection agencies. In England & Wales, agencies like PDCS must follow the FCA’s guidelines, which include treating customers fairly and providing clear, fair, and not misleading information.

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We Are Become Debt Free: Your Ally in Debt Management

Facing mounting debts and persistent debt collectors can be overwhelming. That’s why we, at Become Debt Free, are here to help. As licensed insolvency practitioners based in Leeds, we are dedicated to providing advice and solutions to individuals struggling with debts.

Our specialisation lies in Individual Voluntary Arrangements (IVAs), a lifeline for those overwhelmed by debt. An IVA is a formal agreement between you and your creditors, helping you repay your debts at an affordable rate, and in some cases, even write off a portion of your debt.

But our assistance doesn’t stop there. We go beyond simply managing your debts. We provide comprehensive guidance, helping you understand your financial situation, exploring all available options, and empowering you to make informed decisions about your financial future.

With us, you’re not just a client – you’re a valued individual deserving of respect and understanding. Our team of experts is committed to treating each case with the utmost confidentiality and care, ensuring you feel supported every step of the way.

So, if you’re tired of the constant stress and worry that comes with debt, it’s time to take action. Reach out to us today. Our friendly team is ready and waiting to help you regain control of your finances and start your journey towards a debt-free life.

Call us on 0800 169 1536 or leave an enquiry on our website. Don’t let debt control your life. With Become Debt Free, you can take the reins and steer yourself towards financial freedom.

Frequently Asked Questions

What is Pastdue Credit?

Pastdue Credit, also known as PDCS, is a debt collection agency. They work on behalf of creditors to collect outstanding debts. If you’ve received a letter from them, it’s likely you have an unpaid debt they’re trying to collect.

Should I pay my debts to Pastdue Credit?

Before making any payments, it’s important to verify the debt. Ensure that the debt is yours and that the amount is correct. If you’re unsure, you have the right to request a detailed breakdown of the debt from Past due Credit.

Can Pastdue Credit take me to court?

Yes, Pastdue Credit can take legal action as a last resort to recover the debt. However, they would usually rather negotiate a payment plan with you.

How can I stop Pastdue Credit’s debt collection activities?

You can write a cease and desist letter to Past due Credit Solutions, requesting them to stop contacting you. Alternatively, you can negotiate a payment plan or settle the debt. If you’re struggling with this, we at Become Debt Free can help.

How can Become Debt Free help me with my debts?

At Become Debt Free, we offer advice and solutions to individuals struggling with debt. We can help negotiate with creditors, including Pastdue Credit, and offer solutions like Individual Voluntary Arrangements (IVAs). You can contact us at 0800 169 1536 or leave an enquiry on our website.

Remember, it’s important to seek advice if you’re struggling with debt. There are many organisations, like Become Debt Free, that can provide support and guidance.


Dealing with debt collection agencies like Pastdue Credit debt collector can be stressful, but it’s important to remember that you have rights and options. Whether it’s verifying the debt, understanding your rights, or seeking professional help, you can take steps to manage the situation effectively.

Remember, ignoring the problem won’t make it go away. It’s crucial to take action as soon as possible to prevent the situation from escalating. If you’re feeling overwhelmed, remember that help is available.

At Become Debt Free, we understand how challenging dealing with debt can be. As licensed insolvency practitioners based in Leeds, we specialise in offering advice and solutions to individuals struggling with debts. Our team is ready to help you navigate your financial challenges and explore solutions tailored to your situation, such as IVAs.

Don’t let debt control your life. Take the first step towards becoming debt-free today. Call us on 0800 169 1536 or leave an enquiry on our website. Let us help you regain control of your finances and start your journey towards financial freedom.

Contact Past Due Credit

You can call them on 0141 447 0554.

You can also write to us at:

Pastdue Credit Solutions
1 Blair Court
North Avenue
Clydebank Business Park
Glasgow G81 2LA


The primary sources for this article are listed below.

Pastdue Credit Solutions – UK Debt Recovery Agency – PDCS

Handbook of rules and guidance | FCA

Debt collectors and authorisation | FCA

Details of our standards for producing accurate, unbiased content can be found in our editorial policy here.

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Become Debt Free specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland.  We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.  We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

* To qualify for debt write off in an IVA with us, you must have a minimum of £7,000 of qualifying unsecured debt owed to two or more creditors.  The amount of debt write off is based on your own personal circumstances – typically this could be up to 85% of what you owe; and this has been achieved by over 10% of our customers who have successfully completed their IVA’s in the last 12 months.  The amount of debt write off differs for each customer and is dependent upon their individual financial circumstances and subject to the approval of their creditors.

Andrew Bowers is authorised in the UK to act as Insolvency Practitioner by the Insolvency Practitioners Association.


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