This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Did you get a debt letter from a company you don’t recognise? Are you wondering; if should I pay my Pastdue credit Solutions DVLA debt or not?
If you’re one of the many motorists asking the same question, this post is for you. I will explain how to respond to Pastdue and why you shouldn’t ignore them!
Do you have to pay Pastdue Credit Solutions?
You might not have to pay Pastdue Credit Solutions.
If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need.
If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.
Can you write off any Pastdue Credit Solutions debt?
This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
Who is Pastdue Credit Solutions?
Pastdue Credit Solutions is one of the many debt recovery agencies used by the DVLA. They claim to be one of the UK’s leading debt collection businesses with registered offices in Glasgow, Scotland.
Their client list includes:
The DVLA and other government departments
Energy and water providers
Telecom
Financial service providers and other leading organisations
So when you get a debt letter from Pastdue Credit Solutions, it’s best not to bin it!
Is Pastdue regulated?
Yes. Pastdue Credit Solutions is regulated. They are also registered members of the Credit Services Association (CSA). Like other debt recovery agencies, they are regulated by the Financial Conduct Authority.
Can you lower your repayments?
If you’re struggling to pay back your debt, then you might qualify for a debt solution. Some solutions lower your monthly payments while others write off a portion of your debt.
To find out whether they could work in your situation, hit the button below.
You’d fall into debt with the DVLA when you fail to respond to a debt letter you’re sent. Maybe you didn’t insure your vehicle, or you forgot to tax it. It may happen if you forget to declare the vehicle is off the road!
In short, if you don’t fill out and send a Statutory Off Road Notification (SORN) back to the DVLA, you could receive an expensive penalty! When you don’t pay it, debt collectors could start chasing you.
Can you get fined by DVLA?
Yes. The DVLA will issue a fine against you which must be paid by a certain date. When you don’t pay on time, you risk having your vehicle clamped. In a worst-case scenario, it could be crushed. Moreover, you could face court action.
Check out what happened to one unhappy person who got a huge DVLA fine!
Chances are you didn’t respond to letters from the DVLA about an outstanding payment or penalty! Things escalate when you ignore their letters and don’t pay.
Pastdue Credit Solutions is just one of the debt recovery companies the DVLA uses to chase people who owe them money. So even though you don’t recognise the company chasing you for payment, it’s not something you should just ignore.
Should you ignore debt collectors?
No. You shouldn’t bin a debt letter, even when you know they’ve got the wrong person over a DVLA debt. Binning the letter doesn’t stop Pastdue from pursuing the debt even if you’re not the debtor!
Binning the letter could mean:
You don’t find out the debt isn’t even yours!
You’re unaware that the debt is too old to enforce even if it is yours!
Pastdue starts legal proceedings to recover the amount owed!
A County Court Judgement is registered on your credit file without you realising it even if the debt isn’t yours
Is the debt letter genuine?
One of the first things to do is check whether a debt letter is genuine. There are plenty of scam-related debt collection reports. So, if you think the letter is suspicious you should ask whether you’ve got an outstanding DVLA fine or not!
Is the DVLA debt too old to enforce?
Chances are a DVLA is never too old to enforce. A statute barred debt must be at least six years old and government bodies rarely wait that long.
But it’s always worth checking because you may have moved several times over that period of time.
Is the debt yours?
Next, check whether the DVLA debt is really yours. Or are the debt collectors chasing the wrong person?
You have every right to ask Pastdue Credit Solutions to provide hard evidence the debt is yours. Don’t just accept their word for it.
A debt collection company must provide authenticated copies of credit or other agreements you signed. Plus, the copies must be authenticated by the original creditor or a body authorised to authenticate them.
In this case, it would be the DVLA.
Mistakes happen whether clerical or numerical. Maybe the wrong registration was entered by the DVLA when the fine was issued.
Can you stop Pastdue from contacting you?
No. You don’t have the right to prevent a debt collection agency from contacting you. However, you can dictate how they should contact you.
For instance, you may prefer they get in touch by letter because it means you have a record of everything that’s said. Some debt collection agencies are not as ethical as they should be.
Moreover, Pastdue Credit Solutions must respect the request and if they insist on contacting in other ways far too often, it would be seen as unlawful harassing behaviour.
Debt collectors should abide by the law and the CSA Code of Practice when recovering money owed. In short, there are things that Pastdue Credit Solutions can and cannot do.
For instance, they can:
Contact you about an alleged debt they are chasing for the DVLA
Discuss the debt with you politely and discreetly showing empathy and understanding
Ask that you pay the amount owed directly to them
What can’t a debt collector do?
A debt collector would be breaking the law if they:
Try to force entry into your property
Clamp your vehicle or seize your possession
Show you a document that looks like it’s an official court document when it isn’t
Use legal jargon to confuse you
Urge you to take out a loan to pay the debt you owe the DVLA
Discuss the debt with your family, neighbours, friends or employer
Visit you at your place of work
Pretend they are enforcement officers appointed by the courts
If a debt collector does any of the above, they would be acting unlawfully and you could report them to the Financial Ombudsman Service (FOS).
Will Pastdue give up chasing you?
No. Rarely would a debt collection agency give up chasing you for money owed? Moreover, they would simply inform the DVLA they were unsuccessful in getting you to pay.
Things would escalate quite quickly from there and you could be facing court action! You’d get a County Court Judgement which would harm your credit score making it harder to borrow, get a loan or credit card!
Should you pay a Pastdue Credit Solutions DVLA debt?
Yes. If you’re sure the debt is yours and Pastdue has proved it, then paying the amount in full is the best option. It’d stop things from escalating even further and would get the debt collectors off your case.
However, if you can’t pay in full, try to come to some arrangement with Pastdue after seeking advice from an independent debt adviser. But let the debt collector know what you’re doing or they could escalate things.
How do you contact Pastdue Credit Solutions?
Address
1 Blair Court North AvenueClydebank Business Park, G81 2LA
You should contact one of the charities if you’re worried about a Pastdue debt letter and you’re experiencing financial hardship. Their free advice could be invaluable when it comes to negotiating with a debt collection agency.
I’ve listed three of the leading debt charities here:
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to Beat Pastdue Credit Solutions 