Past Due Credit Solutions
Quick answer
Pastdue Credit Solutions: contact number and email
Pastdue Credit Solutions Ltd, often searched as PDCS or Past Due Credit, is a legitimate debt collection agency. Check the account and original creditor before you pay.
- Contact number
- 0141 447 0554. Use the reference on your letter when contacting them.
- Email address
- help@pastduecredit.co.uk for general help. Use complaints@pastduecredit.co.uk only for a complaint.
- Who they collect for
- Pastdue Credit Solutions works for UK organisations including energy, water, telecoms and financial services providers.
- Court or bailiff risk
- PDCS is a debt collector, not a bailiff. It cannot take goods, but an unresolved account may be escalated through the correct legal process.
Pastdue Credit Solutions Ltd, commonly shortened to PDCS, is a debt collection agency based in Clydebank. A PDCS letter should identify the client or creditor, the account and the amount it has been asked to collect.
Do not assume PDCS owns the debt. Check the role stated on your letter and ask for clarification if it is not clear.
Pastdue Credit Solutions contact details
Pastdue Credit Solutions Ltd
1 Blair Court
North Avenue
Clydebank Business Park
Glasgow
G81 2LA
Telephone: 0141 447 0554
General help: help@pastduecredit.co.uk
Complaints: complaints@pastduecredit.co.uk
Quote the reference on your latest correspondence. Use the official website or your letter to verify payment details before transferring money.
Is Pastdue Credit Solutions legitimate?
Yes. Pastdue Credit Solutions Ltd is registered in Scotland under company number SC287794 and is authorised by the Financial Conduct Authority for relevant consumer credit activities.
A genuine company can still contact the wrong person or use information you dispute. Verifying the company is separate from verifying the individual debt.
Who do Pastdue Credit Solutions collect for?
PDCS provides outsourced collection services to organisations in sectors such as utilities, telecoms and financial services. Clients can change, so rely on the creditor named on your own letter rather than an old client list.
Ask PDCS to confirm:
- the client or current creditor
- the original account and reference
- the current balance and its calculation
- the basis on which PDCS is collecting
- how to dispute the account
What powers does PDCS have?
PDCS is a debt collector, not an enforcement agent. It cannot force entry into your home, clamp a vehicle or take belongings.
It can ask for payment, discuss an arrangement and refer the account back to its client. A creditor may be able to take court action after following the relevant pre-action procedure. Enforcement is a separate later process, not a power created by a PDCS letter.
What if you do not recognise the debt?
Tell PDCS in writing that you dispute or do not recognise the account. Ask for enough evidence to identify the debt and explain why you are liable. Keep a copy of your message and any reply.
Do not send a passport, bank statement or other sensitive document unless it is necessary, you understand why it is requested and you are using a verified contact route.
For some regulated agreements, a formal Consumer Credit Act request may be available. It has specific requirements and does not apply to every debt.
What if the debt is old?
Limitation rules vary by debt type and UK jurisdiction. A payment or written acknowledgement can affect the calculation, and an existing judgment changes the position. Get advice before paying or acknowledging an old account if limitation may apply.
What if you cannot afford to pay PDCS?
Protect priority commitments such as housing, council tax, energy and essential living costs. Do not agree to a plan that leaves these unpaid.
Send an affordable proposal based on a realistic budget and explain any vulnerability. PDCS should consider the circumstances fairly, but it does not have to accept every offer and a client may retain other legal options.
Where several debts are unaffordable, compare a Debt Management Plan, Debt Relief Order, IVA, bankruptcy and direct arrangements with a free regulated debt adviser.
Can PDCS take you to court?
Court action depends on who owns the debt and has the legal right to bring a claim. Do not ignore a letter of claim or County Court claim form. Check the claimant, account, evidence and deadline, and seek advice before responding.
Read the debt collector letter before action guide if you receive a formal warning.
How to complain about PDCS
Email complaints@pastduecredit.co.uk or use the company’s published complaints process. State the account reference, what went wrong, supporting evidence and the resolution you want. Keep copies.
If an eligible complaint remains unresolved after the final response, the Financial Ombudsman Service may be able to review it.
Frequently asked questions
What is the Pastdue Credit Solutions contact number?
Pastdue Credit Solutions publishes 0141 447 0554 for customer contact. Quote the reference from your letter and check the account before paying.
What is the Pastdue Credit Solutions email address?
Pastdue publishes help@pastduecredit.co.uk for general help and complaints@pastduecredit.co.uk for complaints. Do not send unnecessary sensitive information by email.
Why are Pastdue Credit Solutions contacting me?
A client organisation may have instructed Pastdue to collect an overdue account. Check the original creditor, account reference and balance shown on the letter.
Can Pastdue Credit Solutions send bailiffs?
Pastdue is a debt collector, not an enforcement agent. It cannot enter your home or take goods, and any court enforcement requires separate legal steps.
Sources checked
- Pastdue Credit Solutions official website for company and contact information.
- Pastdue complaints page for the complaints process.
- Companies House: Pastdue Credit Solutions Ltd for company identity.
- FCA Register for consumer credit permissions.
- FCA Consumer Credit sourcebook CONC 7 for arrears and recovery conduct.
Company details and contact information checked on 11 July 2026.
Before you agree to pay
If Past Due Credit Solutions has contacted you
Check the account
Match the reference, balance, original creditor and address history before making a payment. Ask for evidence in writing if you do not recognise the debt.
Keep priority bills first
Rent, mortgage, council tax, energy, food and essential travel should be protected before non-priority debt collector payments.
Watch for court wording
A letter of claim or county court claim needs a faster response than a routine collection letter. Do not ignore formal court papers.
What debt collectors can and cannot do
They can
- Contact you about a debt they own or collect.
- Ask you to confirm details before discussing the account.
- Accept, reject or review a payment proposal.
- Escalate to a solicitor or court route if the debt is enforceable.
They cannot
- Pretend to be bailiffs or enforcement agents.
- Force entry into your home or take goods.
- Mislead you about legal powers or deadlines.
- Discuss your debt with other people without a proper basis.
Common questions
Should I ignore a debt collector letter?
No. Check whether the debt is genuine and respond in writing if you need evidence, time to get advice, or an affordable payment arrangement.
Can a debt collector send bailiffs?
Not directly. Bailiffs normally become relevant only after the correct legal process, such as a court judgment followed by enforcement action.
What if I cannot afford the payment they want?
Do not agree to an unaffordable plan. Compare a DMP, IVA, DRO, breathing space advice, or another route before payments fall behind again.