Who is pdcs debt collectors

We understand the tactics they use and the rules they must follow, and we can work with you to get them to stop. They follow a step-by-step process to make the most profit possible, often with ruthless tactics such as intimidation and threats seen by many as unfair. However, there have been recent steps taken towards reducing some powers given to bailiffs and creditors under the government legislation, which has reduced this heavy-handed approach for those who cannot pay off debts on time or remain current on payments without any help from third parties like credit counselling agencies or bankruptcy attorneys.

When you are in debt, it is important to understand the consequences of not making payments on time. The first step that Past Due Credit Solutions may take when a bill goes past due or payment arrangements have been missed will come as an introductory phone call and a letter explaining their pre-action protocol. Be sure to read these warnings carefully, so there are no surprises at the end!

Letters like this are very standard with every credit provider and not just Past Due Credit Solutions. Therefore, it is important not to take these letters personally. There is help at hand, but you should act quickly. If PDCS have contacted you, contact us immediately, and we will try to deal with them on your behalf. Debt collectors are required by law to send you a warning letter with notice of default before taking any action against you or your credit.

This is because people make mistakes, and debt collectors are legally obligated to send a warning letter before any action is taken. This can be harmless, but you must take care of the issue as soon as possible. When managing your PDCS debt, a warning letter is like getting the police involved early. If a debt collection agency contacts you, the first thing to do is figure out why. There are many instances where this can happen, so be sure to speak with them before making any rash decisions about handling the situation.

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. 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! 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. To contact them, use the details set out below. Their website also states that their online portal provides the quickest way to resolve an account. It can be accessed here. If things go wrong, there are several ways you can go about complaining to and about PDCS. They operate a complaints webpage here.

To complain directly to PDCS, you can call or email complaints pastduecredit. You can also write to them by addressing your complaint to:. Finally, if you feel that your complaint has not been deal with in a satisfactory or fair way, you may wish to refer the complaint to the Financial Ombudsman Service.

The Financial Ombudsman Service can be contacted via telephone or email complaint. PDCS score a very low 1. At the time of writing, this score was based on reviews. Whilst any dealings with a debt collector are likely to be stressful, PDCS are a member of the Credit Services Association CSA and so they should act fairly and reasonably when dealing with debtors. After reading this guide you should have a better picture of who they are and can start to plot a route forward.

The firm is registered with Companies House under company number: SC For a complete list of the debt collectors used by HMRC, visit their website. Pastdue Credit Solutions Limited is a private limited company, owned and controlled by a number of directors who claim to have extensive experience in the lending and credit market.

Yes, they accept payments online or over the phone via credit card, debit card, or by bank transfer, Standing Order, Cheque or Postal Order. PDCS cannot immobilise your car or take it in full or part payment of a debt unless that debt is secured over the vehicle. PDCS would need to take you to court to seek a County Court Judgement against you, unless the money you owe relates to a debt secured against your property such as a mortgage.

If a CCJ was granted against you, they would still need to seek a charging order for your home to be sold. Like most debt-collection agencies, PDCS typically sends standard collection letters demanding that debtors contact them by phone so that they can settle their debt. The letters also inform debtors that they intend to visit them at home. They may even threaten to make the person bankrupt. When people get a letter from PDCS, they may wonder why they are being chased for money that they believe they do not owe.

It is a third-party agency, which means that they have never had a direct relationship with the debtor. They are standard letters which are sent automatically; they are part of a system. They can persist for a very long time. If PDCS has contacted you either by post or telephone, it helps if you know what to do next so that you can protect yourself.

Simply dial our debt helpline or click on the link provided. Our representatives will get in touch with you right away. It operates independently from the Government. It regulates financial companies that provide services to consumers. Its task is to maintain the integrity of the British financial market.