Should I Pay My Pastdue Credit Solutions DVLA Debt?

Got a letter from Pastdue Credit Solutions about your DVLA debt? You’re not alone. Each month, our website is visited by over 12,000 people who are dealing with debt matters.

This article will help you understand what to do next. Here’s what we’ll cover:

•  Who Pastdue Credit Solutions are and why they might be contacting you
•  Understanding your DVLA debt 
•  How to find out if the debt letter you received is real 
•  Your rights when dealing with debt collectors
•  Ways to manage your repayments

Dealing with debt collectors can be tough; it can make you feel worried and stressed out. Some of our team have been there too.

But remember, there are ways to handle this situation. We’re here to help you find the best way for you to tackle your Pastdue Credit Solutions DVLA debt.

Why would Pastdue contact you?

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.

» TAKE ACTION NOW: Fill out the short debt form

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.

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.

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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.

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

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!

Source: Moneysavingexpert

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!

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.

» TAKE ACTION NOW: Fill out the short debt form

How do you contact Pastdue Credit Solutions?

Thanks for reading my post which I hope answers your question, should I pay my Pastdue Credit Solutions DVLA fine or not!