Pastdue Credit Solutions Limited

PastDue Credit Solutions Limited is a UK debt collection company that operates primarily in Scotland, though it collects debts across the UK. It provides collection services to banks, telecoms companies, utilities, and other businesses, acting as an agent rather than purchasing debts itself.

If you receive correspondence from PastDue Credit Solutions, it means a company you owe money to has engaged them to contact you. The letter should identify the original creditor and the amount owed.

PastDue is regulated by the Financial Conduct Authority and must follow FCA rules on how it treats consumers. This includes being honest and clear in all communications, not using harassment or pressure tactics, and signposting you to free debt advice.

In Scotland, the legal process for debt enforcement differs from England and Wales. If PastDue is pursuing a debt in Scotland, the relevant legal procedures — including the use of a Sheriff Court rather than the County Court — apply. Citizens Advice Scotland can advise you on the specific Scottish position.

If you dispute the debt or believe the amount is incorrect, raise this in writing with PastDue. They are required to investigate and cease collection activity while a genuine dispute is under investigation.

If you owe the debt and cannot afford to pay in full, a payment plan based on your actual income is a reasonable approach. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice Scotland on 0800 028 1456.