Last updated and verified: 26 October 2026
Receiving an unexpected letter from PO Box 3104 Glasgow G60 9AT can raise concerns, particularly when it refers to outstanding payments, debt recovery or an unfamiliar account.
PO Box 3104 Glasgow G60 9AT is associated with Pastdue Credit Solutions Limited (PDCS), a legitimate UK debt collection company. Postal address records identify Pastdue Credit as the registered addressee for this PO Box.
PDCS collects outstanding debts on behalf of energy suppliers, telecommunications companies, financial service providers and government departments, including HMRC.
However, an authentic-looking address does not automatically prove that an individual payment demand is genuine or legally enforceable.
Our review of PDCS’s official information, Companies House records and UK debt regulations explains how to verify the sender, protect yourself from fraud and respond appropriately.
What Should You Check Before Responding to PO Box 3104 Glasgow G60 9AT?
Before contacting the sender or making a payment, complete these five checks.
- Identify the sender: Check whether Pastdue Credit Solutions Limited appears on the correspondence.
- Confirm the creditor: Establish which organisation allegedly holds the outstanding debt.
- Verify the reference: Look for your Customer ID, account details and an explanation of the balance.
- Check independently: Contact PDCS using its official website or published telephone number rather than an unverified message.
- Review your liability: Confirm the debt belongs to you, the amount is accurate and no legal time-limit issue applies.
Do not provide banking credentials, make payments or acknowledge an unfamiliar old debt before obtaining appropriate verification and advice.
Who Uses PO Box 3104 Glasgow G60 9AT?
Postal address information identifies the following entry:
- Pastdue Credit
- PO Box 3104
- Glasgow
- G60 9AT
The postcode is associated with the Clydebank area of West Dunbartonshire, Scotland.
PDCS also maintains a separate registered office:
- Pastdue Credit Solutions Limited
- 1 Blair Court
- North Avenue
- Clydebank Business Park
- Clydebank, Glasgow
- G81 2LA
The difference between these addresses is not inherently suspicious.
A PO Box can support correspondence processing, returned mail and administrative operations, while a registered office serves as the company’s official corporate address.
Companies House confirms that Pastdue Credit Solutions Limited is an active Scottish company, incorporated on 21 July 2005.
The company’s registration number is SC287794. PDCS also identifies itself as a member of the Credit Services Association and states that it is authorised and regulated by the Financial Conduct Authority (FCA).
Why Would Pastdue Credit Solutions Contact You?
PDCS explains that organisations transfer overdue customer accounts to it for debt collection and account resolution.
The company states that it does not own the accounts it services.
Its published client sectors include:
| Creditor category | Possible outstanding balance |
| Energy suppliers | Unpaid gas or electricity bills |
| Water companies | Overdue water charges |
| Telecommunications | Mobile, broadband or telephone bills |
| Financial services | Outstanding balances on relevant financial accounts |
| Government departments | Debts referred for external collection |
| HMRC | VAT, PAYE, Self Assessment and other specified tax debts |
An unexpected letter does not establish that the recipient owes money. Records may be outdated, payments may have been allocated incorrectly, or correspondence may have reached the wrong person.
Can a Prepayment Meter Customer Still Owe an Energy Debt?
Yes. PDCS specifically addresses this question in its official FAQs.
Possible explanations include an unpaid balance remaining when a customer changes supplier, standing charges accruing while a property is empty, or payments being credited to the wrong supplier through an incorrect meter key or card.
Where the wrong supplier’s key was used, PDCS indicates that the issue may be resolved without payment once the necessary information is provided.
Consumers should request a detailed account statement and check the dates, meter readings and payment history before accepting liability.
Does PDCS Collect HMRC Debts?
Yes. HMRC officially lists Pastdue Credit Solutions Limited among the agencies it uses.
PDCS identifies VAT, Corporation Tax, PAYE, Self Assessment and Class 2 National Insurance debts among its collection activities.
HMRC explains that its appointed debt collection agencies contact taxpayers by letter, text or telephone rather than visiting their homes or workplaces.
A letter mentioning HMRC should be verified directly through HMRC’s official services.
HMRC’s official guidance listing Pastdue Credit Solutions Limited as an authorised debt collection agency.
How Can You Verify Whether a PDCS Letter Is Genuine?
Our verification checklist compares the company’s published information against details appearing in correspondence.
| Verification detail | Official PDCS information |
| Legal company name | Pastdue Credit Solutions Limited |
| Company registration | SC287794 |
| Registered office | 1 Blair Court, Clydebank Business Park, G81 2LA |
| Customer service telephone | 0141 447 0554 |
| Website | www.pastduecredit.co.uk |
| ICO registration | Z9170938 |
| FCA status | Company states it is authorised and regulated |
| Customer reference | Customer ID displayed on correspondence |
| Online account access | Customer Portal accessible through the official website |
These details help establish the company’s identity but cannot independently authenticate a particular letter. Fraudsters can copy genuine addresses, company numbers and logos.
For additional verification, consult the FCA Financial Services Register and confirm the claimed debt with the original creditor.
Official PDCS website showing the customer service telephone number, company information and customer account access.
What Should You Do If the Letter Is Incorrect or Addressed to Someone Else?
The appropriate response depends on whether the letter is addressed to you.
If the named person does not live at your address, leave the letter unopened and mark the envelope:
“Not known at this address – return to sender.”
Alternatively, PDCS provides an official form titled I’ve received a letter that isn’t for me, accessible through its website.
For correspondence addressed to you concerning an unfamiliar debt:
- Request the original creditor’s name and account details.
- Ask for a breakdown of the outstanding amount.
- Request supporting statements or agreements where applicable.
- Explain the specific reason for your dispute.
- Keep copies of correspondence and supporting evidence.
If the claim concerns an old debt approaching a legal time limit, obtain independent advice before making any written acknowledgement or payment.
Readers facing similar situations involving letters linked to Link Financial should apply the same independent verification principles.
How Can You Identify Fake PDCS Letters, Text Messages and Calls?
PDCS confirms that it contacts customers through telephone calls, text messages and emails, not just postal letters.
A genuine communication may ask the recipient to discuss an account or access the customer portal. However, unexpected contact should never be treated as proof of identity.
Warning signs include demands for payment through cryptocurrency or gift cards, suspicious website addresses, requests for banking passwords, threatening messages or pressure to pay immediately without explanation.
PDCS explicitly states that it does not itself add interest, fees or charges to customer accounts, although the original creditor may have applied charges.
If someone telephones claiming to represent PDCS, end the call and independently dial 0141 447 0554.
Suspicious texts can be forwarded to 7726, while suspicious emails can be sent to report@phishing.gov.uk. Financial fraud should be reported through Report Fraud in England, Wales or Northern Ireland, or Police Scotland where appropriate.
Can PDCS Take Legal Action and How Long Can It Chase a Debt?
PDCS is a debt collection agency, not a court enforcement authority or sheriff officer.
It cannot simply enter a property or seize belongings because it has issued a payment demand.
However, a creditor may pursue legal proceedings, potentially through an authorised representative, if the debt is enforceable.
The relevant legal rules depend on the jurisdiction and nature of the debt.
| Legal position | England and Wales | Scotland |
| Typical unsecured contract debt | Often subject to a six-year limitation period | Often subject to five-year prescription |
| Main legislation | Limitation Act 1980 | Prescription and Limitation (Scotland) Act 1973 |
| Court decision | County Court Judgment (CCJ) | Scottish decree |
| Enforcement | Applicable court enforcement procedures | Diligence, potentially involving sheriff officers |
In England and Wales, expiry of a relevant limitation period can provide a defence to a claim. In Scotland, qualifying obligations can be extinguished by prescription after five years if the statutory conditions are satisfied.
Payments, acknowledgements and legal proceedings can materially affect these calculations. Tax debts, court orders and certain other liabilities have different rules.
A Scottish decree should not be assumed to expire after five years merely because ordinary contractual debts may prescribe.
Receiving a debt collection letter is not the same as receiving a court claim, CCJ or Scottish decree. Formal legal documents require particular attention to response deadlines.
How Can You Safely Make Payments to Pastdue Credit Solutions?
PDCS publishes several payment methods, including its online portal, automated telephone payment service, Direct Debit, bank transfer, standing order and cheque.
Its official automated card payment number is 0141 447 0002, available 24 hours a day.
The company also publishes the following bank transfer details:
- Bank: Bank of Scotland
- Sort code: 80-06-14
- Account number: 06004831
- Payment reference: Your PDCS Customer ID
These details were checked against the company’s published website on 26 October 2026. Always verify current payment instructions directly with PDCS before transferring money.
The official payment portal can be accessed through https://www.pastduecredit.co.uk/.
Retain payment confirmations and request written confirmation when an account is settled.
What Is a Continuous Payment Authority?
A continuous payment authority (CPA) allows recurring card payments to be collected under an agreed arrangement.
Unlike Direct Debit, it does not carry the same Direct Debit Guarantee protections.
PDCS explains that customers may cancel or change a CPA by contacting the company and also have the right to cancel directly through their card issuer.
Cancelling the payment authority does not cancel a genuine outstanding debt.
PDCS’s official payment options, Customer ID instructions and FAQ explaining continuous payment authority cancellation rights.
What If You Cannot Afford to Pay the Debt?
PDCS states that it can consider repayment arrangements based on individual circumstances.
Before agreeing to instalments, calculate essential living expenses and identify priority debts.
Vikki Brownridge, Chief Executive of StepChange Debt Charity, warned in September 2026 that consumers should not have to pay for debt advice and should be cautious of services promising quick debt write-offs.
Her published advice reinforces the importance of independent support before making financial commitments.
Available debt solutions differ substantially across the UK.
| Scotland | England and Wales |
| Debt Arrangement Scheme (DAS) | Debt Management Plan (DMP) |
| Protected Trust Deed (PTD) | Individual Voluntary Arrangement (IVA) |
| Scottish bankruptcy, including eligible MAP cases | Bankruptcy |
| Scottish statutory moratorium | Breathing Space |
| Other arrangements depending on eligibility | Debt Relief Order (DRO) |
In England and Wales, standard Breathing Space can provide up to 60 days of protection against most enforcement action for qualifying debts. Additional protection exists for eligible people receiving mental health crisis treatment.
Scotland has a separate statutory moratorium, which can provide six months of temporary protection while an individual considers a formal debt solution.
If illness, disability, bereavement or other personal circumstances make communication difficult, tell PDCS and request appropriate support or accessible communications.
What Should Sole Traders and Company Directors Know About PDCS Letters?
Business owners should be particularly careful when correspondence concerns HMRC tax debts.
A sole trader may face personal responsibility for certain business liabilities, while a limited company’s debts are generally separate from its directors’ personal obligations.
However, personal guarantees, certain tax-related statutory liabilities and misconduct can change the position.
Directors receiving correspondence concerning VAT, PAYE or Corporation Tax should reconcile the claimed amount with business accounting records and HMRC statements.
Where payment difficulties exist, investigate whether HMRC may agree to a Time to Pay arrangement.
Never assume that a business liability automatically becomes a director’s personal debt. Equally, do not disregard formal recovery correspondence.
Business Debtline provides free advice specifically for self-employed individuals and small businesses.
How Can You Complain About Pastdue Credit Solutions?
Complaints should follow the appropriate escalation process.
- First, contact PDCS directly. Its complaints procedure allows complaints by telephone, post or email at complaints@pastduecredit.co.uk. State the account reference, problem and desired resolution.
- Second, contact the original creditor if the issue concerns incorrect account information, disputed charges or the underlying liability.
- Third, consider independent escalation. The Financial Ombudsman Service may consider eligible complaints about regulated credit debt collection, generally after a final response or eight weeks without one. It does not cover every utility, tax or council debt complaint.
Conduct concerns can also be reported to the FCA, although the regulator does not resolve individual compensation claims.
For HMRC-related matters, follow the relevant HMRC and PDCS complaints procedures.
Official PDCS complaints procedure showing the company’s complaint channels and correspondence address.
Frequently Asked Questions About PO Box 3104 Glasgow G60 9AT
Is PO Box 3104 Glasgow G60 9AT definitely connected to PDCS?
Postal address records identify Pastdue Credit at this address. However, an individual letter must still be authenticated using the company and creditor details.
Is Pastdue Credit Solutions a legitimate company?
Yes. Companies House lists Pastdue Credit Solutions Limited as an active company under registration number SC287794.
Will receiving a PDCS letter damage my credit score?
The letter itself does not automatically damage a credit score. Existing arrears, defaults or court judgments may already affect the recipient’s credit history.
Can I ignore a letter from Pastdue Credit Solutions?
Ignoring a genuine debt may lead to continued collection activity or creditor escalation. Verify the correspondence and respond appropriately.
Can PDCS add collection charges?
PDCS states that it does not add its own interest, fees or charges, although the original creditor may have already applied contractual or legally permitted amounts.
What if I have already paid the debt?
Provide payment evidence and ask PDCS and the original creditor to reconcile the account and confirm that recovery activity has stopped.
Can PDCS contact me by text or email?
Yes. Its official website confirms telephone, text and email contact. Independently verify unexpected messages before responding.
Can PDCS pursue a debt older than five years?
It depends on the jurisdiction, debt type, relevant dates, acknowledgements and legal proceedings. Scottish prescription and England-and-Wales limitation rules are different.
Can I negotiate a reduced repayment amount?
You may propose affordable instalments or a settlement, but acceptance is not guaranteed. Obtain written confirmation of any agreed terms.
What should I do if PDCS contacts me about HMRC tax?
Check the debt through HMRC’s official records, confirm PDCS’s involvement and seek tax or business debt advice where necessary.
