Text from PDCS ?

bradztheman

My girlfriend has had a text message from a 'pdcs' saying to call a glasgow number 0141 951 6440

She doesnt owe anything for debts

Any idea of what or who these people are?

Her full name was at the top of the text message, and says she needs to call 're an important matter' there was a reference number to quote too.

National_Debtline

Hi bradz


This is Past Due Credit Solutions. They chase a lot of unpaid energy bills and more recently seem to be picking up a lot of HMRC debt e.g. Tax Credit overpayments.


Whether any of that rings a bell with your girlfriend or not, I would suggest that she waits for something more concrete than an unsolicited text to reach her - ideally a letter addressed directly to her.

Dennis
@natdebtline

bradztheman

Nothing rings any bells, and she has access to her credit report and nothing is showing there either. anybody had dealings with these people?

National_Debtline

If it turns out to be a government debt like a Tax Credit overpayment, it won't appear on a credit file. A lot of the examples we see involving PDCS are for alleged debts stretching way back into the 2000s, so the debtor will often have no recollection of the relevant matters.


Similarly, not all energy companies record information with credit agencies, so her report won't necessarily offer any clues as to what this text concerns.


PDCS themselves are a plain old debt collection agency with no greater powers than any other.


Dennis
@natdebtline

bradztheman

National_Debtline wrote: »

If it turns out to be a government debt like a Tax Credit overpayment, it won't appear on a credit file. A lot of the examples we see involving PDCS are for alleged debts stretching way back into the 2000s, so the debtor will often have no recollection of the relevant matters.


Similarly, not all energy companies record information with credit agencies, so her report won't necessarily offer any clues as to what this text concerns.


PDCS themselves are a plain old debt collection agency with no greater powers than any other.


Dennis
@natdebtline

Could they turn up at the door? Do they have a right to enter the premesis?

National_Debtline

Debt collection agencies can visit and knock on your door in theory, same as any other casual caller like you or I.


They have no rights to enter anyone's property or seize goods, and it is therefore extremely unlikely that they would go to the trouble of making such a visit.


Dennis
@natdebtline

sourcrates

bradztheman wrote: »

Could they turn up at the door? Do they have a right to enter the premesis?

They are not bailiffs and have no rights whatsoever.

Only court appointed bayliffs can enter your home, and then only through an unlocked door.
These people are debt collectors, totally different.

bradztheman

So this was posted through the door this morning:

bradztheman

Southwest water.

She hasnt lived there long so maybe she owes water

What should she do contact them?

National_Debtline

Hi bradz


I take it South West Water is her current supplier?


Yes in that case it is worth her contacting SWW directly to arrange an affordable payment plan.


There will be no threat to her water supply, but providers are often relatively quick to take court action if not paid.


Dennis
@natdebtline

bradztheman

National_Debtline wrote: »

Hi bradz


I take it South West Water is her current supplier?


Yes in that case it is worth her contacting SWW directly to arrange an affordable payment plan.


There will be no threat to her water supply, but providers are often relatively quick to take court action if not paid.


Dennis
@natdebtline

Could this be for the previous tenants bill though? Theres no name.

Who should she phone, the number on that card or sww themselves