Pastdue Credit Solutions: A Trusted Name in Ethical Debt Recovery and Financial Services in the UK

In the highly regulated and reputation-sensitive world of financial services, Pastdue Credit Solutions has established itself as a respected and reliable organisation within the UK debt recovery sector. Built on a foundation of compliance, professionalism, and client-focused solutions, the company has grown steadily since its inception to become a key partner for leading private and public sector organisations across the United Kingdom.

Overview of Pastdue Credit Solutions

Who Are Pastdue Credit Solutions?

Pastdue Credit Solutions is a UK-based financial services company specialising in debt collection, customer tracing, and business process outsourcing. Founded in 2005, the company operates from Clydebank Business Park in Glasgow and employs over 300 professionals who support some of the UK’s largest organisations.

The business works with market-leading companies across sectors such as energy, water, telecommunications, and financial services. In addition, it provides specialist services to government departments and public sector bodies, reflecting a high level of trust and operational capability.

A Reputation-First Philosophy

From its earliest days, Pastdue Credit Solutions has positioned reputation at the core of its business model. Rather than focusing solely on recovery metrics, the company places equal importance on ethical conduct, compliance, and customer treatment. This reputation-first mindset has enabled the organisation to build long-term partnerships and sustain growth in a competitive and closely scrutinised industry.

Regulation and Professional Standards

Authorisation and Industry Oversight

Pastdue Credit Solutions is authorised and regulated by the Financial Conduct Authority (FCA), ensuring full compliance with UK consumer credit and debt collection regulations. FCA oversight requires firms to adhere to strict principles around fairness, transparency, and consumer protection.

The company is also a registered member of the Credit Services Association (CSA), the leading trade association for the UK credit and collections industry. Membership reflects a commitment to industry best practice, continuous improvement, and ethical standards.

Commitment to Compliance

Operating in a regulated environment demands robust governance structures, regular audits, and ongoing staff training. Pastdue Credit Solutions maintains comprehensive compliance frameworks designed to protect consumers, clients, and stakeholders alike, while ensuring that all collection activities are conducted responsibly.

Services Offered by Pastdue Credit Solutions

Debt Recovery and Collection Services

Contingency-Based Debt Collection

One of the core services offered by Pastdue Credit Solutions is contingency-based debt collection. Under this model, the company works on behalf of clients to recover overdue accounts, earning fees only when successful outcomes are achieved. This approach aligns incentives, ensures cost efficiency for clients, and focuses on delivering measurable results.

Residential and Commercial Debt Recovery

Pastdue Credit Solutions provides tailored solutions for both residential and commercial debt recovery. Each account is managed with sensitivity and professionalism, taking into account the customer’s circumstances while protecting the client’s financial interests.

Customer Tracing and Resolution Services

Absconded Customer Tracing

Locating customers who have moved or become uncontactable is a critical challenge for many organisations. Pastdue Credit Solutions offers advanced tracing services that utilise data-driven methodologies to identify and re-establish contact with absconded customers, while remaining fully compliant with data protection regulations.

Resolution and Rehabilitation Services

Beyond recovery, the company focuses on resolution and rehabilitation. This involves working with customers to resolve outstanding balances in a sustainable way, often through structured repayment plans or tailored engagement strategies that reduce future risk and encourage positive financial behaviour.

Business Process Outsourcing and White Label Solutions

Business Process Outsourcing (BPO)

Pastdue Credit Solutions provides comprehensive business process outsourcing services, supporting clients with operational efficiency, scalability, and cost control. These services are particularly valuable for organisations seeking to outsource complex or resource-intensive credit management functions.

White Label and Early Arrears Solutions

White label solutions allow clients to maintain brand continuity while benefiting from the expertise and infrastructure of Pastdue Credit Solutions. Early arrears services focus on proactive engagement at the earliest stages of delinquency, helping clients reduce long-term losses and maintain customer relationships.

Accreditations and Certifications

Recognised Industry Accreditations

Pastdue Credit Solutions operates to a comprehensive set of recognised accreditation and certification standards, reflecting its commitment to quality, security, and inclusivity.

Investors in People – Gold

This accreditation demonstrates excellence in people management, leadership, and organisational culture. Achieving Gold status highlights the company’s investment in staff development and engagement.

ISO Standards

The organisation holds multiple ISO certifications, including:

• ISO 9001:2015 for quality management

• ISO 14001:2015 for environmental management

• ISO 45001:2018 for health and safety management

• ISO 27001:2013 for information security

These standards ensure consistent service delivery, data protection, and responsible operations.

BS18477 – Inclusive Service Provision

This certification reflects a commitment to inclusivity and accessibility, ensuring that services are designed to support vulnerable customers and diverse needs.

People, Culture, and Careers

A People-Focused Organisation

With a workforce of over 300 employees, Pastdue Credit Solutions places strong emphasis on training, professional development, and employee wellbeing. Staff are equipped with the skills and knowledge required to operate in a regulated environment while delivering positive customer outcomes.

Career Opportunities

The company actively recruits talent across operational, compliance, and management roles. Career opportunities at Pastdue Credit Solutions appeal to individuals seeking long-term development within a stable and growing financial services organisation.

Leadership and Company Background

Founding and Leadership

Pastdue Credit Solutions was founded in 2005 by its original directors, who remain associated with the business. The longevity of leadership reflects stability, strategic continuity, and a long-term commitment to the company’s values and direction.

Over the years, the leadership team has guided the organisation through regulatory changes, technological evolution, and market shifts, ensuring sustained relevance and resilience.

Why Organisations Choose Pastdue Credit Solutions

A Trusted Partner in Financial Services

Clients choose Pastdue Credit Solutions for several key reasons:

• Strong regulatory compliance and FCA authorisation

• Proven expertise across multiple sectors

• Bespoke, economically viable solutions

• Ethical, reputation-focused approach

• Scalable services supported by experienced professionals

The company’s ability to balance effective recovery with responsible customer engagement sets it apart within the UK collections landscape.

Pastdue Credit Solutions HMRC

Pastdue Credit Solutions HMRC refers to the role of Pastdue Credit Solutions Ltd as an authorised external debt collection agency acting on behalf of HM Revenue & Customs (HMRC). HMRC may appoint Pastdue Credit Solutions to contact individuals or businesses regarding unpaid tax liabilities when earlier recovery attempts have not been successful.

In these cases, Pastdue Credit Solutions acts strictly as an agent of HMRC, helping to:

• Contact taxpayers about outstanding HMRC debts

• Explain the nature of the unpaid tax

• Assist in arranging repayment or suitable payment plans

They do not replace HMRC, and all enforcement powers remain with HMRC. Pastdue Credit Solutions must follow FCA regulations and HMRC guidelines at all times.

Pastdue Credit Solutions Phone Number

The official Pastdue Credit Solutions phone number is:

0141 447 0554
International format: +44 141 447 0554

This number connects directly to Pastdue Credit Solutions’ offices in Glasgow, United Kingdom. If you are contacted regarding a debt (including HMRC-related matters), it is recommended to use this official phone number for verification.

Quick Info

Conclusion

Pastdue Credit Solutions has built a solid reputation as a professional, compliant, and ethical financial services provider in the UK. Through its diverse service offerings, robust regulatory framework, and commitment to reputation-first principles, the company continues to support leading organisations while maintaining high standards of customer care.

With over two decades of experience, a skilled workforce, and a strong foundation of trust, Pastdue Credit Solutions remains a dependable partner for debt recovery, customer resolution, and outsourced financial services across the United Kingdom.

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