About Pastdue Credit Solutions
Pastdue Credit Solutions Limited, company number SC287794, is a debt collection agency at Clydebank Business Park near Glasgow. It is authorised by the FCA (FRN 703411). Since 11 December 2025 it has been owned by Firstsource Solutions UK Limited, part of the RP-Sanjiv Goenka Group, according to Companies House.
Pastdue says it does not own any of the accounts it handles. It collects for energy, water, telecoms and financial services companies and for government departments. GOV.UK names it as one of the agencies HMRC uses to collect unpaid tax, and Pastdue says it collects VAT, Self Assessment, Corporation Tax, Class 2 National Insurance and PAYE debts for HMRC.
A letter from Pastdue is a request to pay or get in touch, not a court claim. The organisation you owe still owns the debt and makes the key decisions, so you can reply in writing to check or dispute it.
Group Structure
Firstsource Solutions UK Limited
Owner of Pastdue Credit Solutions Limited since 11 December 2025, according to Companies House. Pastdue says it is a Firstsource company, part of the RP-Sanjiv Goenka Group.
Company number: 03999896
HM Revenue and Customs (HMRC)
Uses Pastdue to collect some unpaid tax. HMRC still owns the debt and decides on disputes and payment plans.
Original creditor (varies per account)
The energy, water, telecoms or finance company you owe. It still owns the debt while Pastdue collects.
What a Pastdue Credit Solutions Letter Typically Looks Like
- A letter naming the company you owe, such as HMRC or an energy or water supplier, with a Pastdue reference number.
- For HMRC debts, the type of tax, such as VAT, Self Assessment, Corporation Tax, Class 2 National Insurance or PAYE.
- Phone calls from 0141 447 0554, the number Pastdue gives on its own website, and a 24-hour card payment line on 0141 447 0002.
- An invitation to pay or set up a plan online at payments.pastduecredit.co.uk.
- The postal address Pastdue Credit Solutions, 1 Blair Court, North Avenue, Clydebank Business Park, Glasgow, G81 2LA.
Your Rights
Proof of the debt and who is owed
You can ask Pastdue in writing to name the company you owe, say what the debt is for and show how the amount is made up.
HMRC agency rules
GOV.UK says HMRC's debt collection agencies only contact you by letter, text or phone, will never visit your home or place of work, and are all regulated by the FCA.
FCA Consumer Credit sourcebook (CONC 7)
CONC 7.9 bars unreasonable or oppressive contact, and CONC 7.14 requires collection to be suspended while a genuine dispute is investigated.
Breathing Space (Debt Respite Scheme)
A debt adviser can apply for Breathing Space for you. It pauses most creditor action, interest and charges for 60 days while you get advice.
Complaints
Pastdue puts your account on hold while it investigates and sends a final response within 8 weeks. For most debts you can then go to the Financial Ombudsman Service within 6 months. Pastdue says complaints about HMRC debts are not covered by the Ombudsman.
Common Pastdue Credit Solutions Scenarios
A Pastdue letter about an HMRC tax debt
GOV.UK names Pastdue as one of HMRC's agencies and says they will never visit your home or workplace. If no payment or plan is agreed, the case goes back to HMRC. If you think the tax is wrong, say so in writing and also contact HMRC.
A letter about an old energy bill
Pastdue collects balances for energy suppliers, including former suppliers and prepayment meter accounts. Ask for a final bill and a breakdown, and check it against your meter readings.
The person named does not live here
Pastdue has an online form for people who have received a letter for someone else. Use it or write to Pastdue so it can update its records.
A debt you do not recognise
Do not pay until you have checked. Ask Pastdue in writing to name the company you owe and show how the amount is made up. FCA rule CONC 7.14 says collection should be suspended while a genuine dispute is investigated.
You can pay, but not all at once
Offer an amount you can keep up, based on your income and spending, and ask Pastdue to confirm the plan in writing.
You are struggling to pay
Tell Pastdue in writing and ask for time to get free debt advice. A debt adviser can apply for Breathing Space under the Debt Respite Scheme, which pauses most creditor action and interest for 60 days.
Dispute the Debt by Post
Our debt collection dispute letter is written from your answers in the letter builder. Depending on what you tell us, it can say you do not recognise the debt, dispute the amount, or that it is already paid or statute-barred, and it can ask for the Default Notice and Notice of Assignment. Check the finished letter before you pay, then we print it and post it by Royal Mail.
- Disputes the debt and asks them to prove it
- Cites the law that fits your answers
- Gives them 30 days to reply
- Says you will complain to the Financial Ombudsman Service if they do not
- Asks for contact in writing only, if you choose
Dispute This Debt
- Guided step by step in the letter builder
- See the finished letter before you pay
- Printed and posted by Royal Mail
- Tracked delivery available
From £2.79, including printing and Royal Mail postage. Nothing to add.