![]() Their website provides further information.Īlternatively, you can call them to get your customer ID, however, if you’re already on the phone, you may as well make the payment on the phone. Many people choose to pay Past Due on their website, but you will need your account reference number to do this, which will be on the letters they sent you. I have listed some charities that give advice for free at the bottom of this page. You may also need to get some financial advice fro PDCS debt. I will go through your options for debt relief later in this article. If you are unable to keep to a repayment plan, you could benefit from a debt solution. ![]() Negotiating with Pastdue Credit Solutions can be scary, but keep calm! Remember that it is in PDCS’s best interests to help you pay and not be difficult. ![]() If you can’t pay off your debt in one go, you can pay with a payment plan. Paying in one go will get PDCS off your back the quickest. If proof that you owe them money is provided, the easiest way to get out of your debt situation is to pay up. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will be enforceable for a while. Keep in mind that not all debts become statute-barred!Īny HMRC debts, for example, will stay enforceable for decades. It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced. This means that the debt is not enforceable. If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred. You also need to check that the debt is not statute-barred. If PDCS can’t provide you with proof of the debt or proof that you owe it, you are under no obligation to pay. My ‘ prove the debt letter‘ will guide you on what to do. To get this information, it is time to send a letter to Past Due Credit Solutions requesting an authentic copy of the credit agreement that you supposedly did not stick to. This should be stated on your PDCS debt collection letter. The first step in our debt collection guidance is to find out which creditors you owe and how much. The Office for Fair Trading has acknowledged this by stating these types of practices are “widespread” ( OFT, 2010). Your personal circumstances are not their priority and don’t expect them to show empathy. Instead, they are paid a fee to collect it on behalf of the original creditor. Unlike other debt collectors, Past Due Credit Solutions do not purchase the debt from the original creditor, so they don’t own it. There are independent debt collectors, collectors who are one arm of a larger creditor business (often hiding their identity), and some people work in the debt collection industry as sole traders. Past Due Credit Solutions are most likely contacting you because you have an overdue debt and they’ve been hired by the company to get you to pay.ĭebt collection agencies like Past Due Credit Solutions can operate with different setups. Why are you being contacted by Past Due Credit Solutions (PDCS) Debt Collectors? Let’s take a closer look at PDCS Pastdue Credit Solutions and what you can do if they claim you owe them money. But don’t worry we’re here to help you understand your options and find a way forward. Some of us have also dealt with debt collectors. How to find out if the debt is really yours.Every month, over 170,000 people visit our website for help with debt solutions. If you’ve received an unexpected letter from PDCS Pastdue Credit Solutions, it’s normal to be confused and worried.
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