payment difficulties

We do not work to a script because we treat Pastdue account holders and their circumstances as unique - we all are. Treating customers fairly is at the core of what we do. We will not pressure you emotionally or financially - you have our word on that. We will do our very best to set you up on a repayment plan that is affordable and sustainable.

Information We Will require

In order to help, we will need some information from you, so please have it to hand. This includes:

• Details of your income and expenditure
• Your current financial position
• Any shares or savings that you have
• Your financial obligations to priority creditors, rent, mortgage, child maintenance, fuel etc.

We may ask you to provide documentary evidence of the above, however, it is best to discuss the matter with us as soon as possible.

Debt Advice

Please also bear in mind that should you be in serious financial difficulty or feeling the pressure from numerous creditors pressing for payment, there are a number of organisations that offer free debt advice and it may be in your best interests to contact them. They will help you assess your financial situation and prioritise your creditors. We will always comply with the 30 day breathing space policy for you to contact these organisations who will assess your financial circumstances. Please let us know as soon as possible should this be the the best course of action for you.

Pastdue Credit Solutions recommend that you use a non payable outlet for this service. Here are links to some of the organisations who may be able to assist you without a financial contribution.

Citizens Advice Bureau
Step Change Debt Charity (CCCS) - Free Advice

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Authorised and Regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006)
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