This privacy notice describes how Pastdue Credit Solutions uses your personal information when you use Pay by Bank to make a payment. When you choose 'Pay by Bank' to pay, you are using the Lloyds Pay By Bank service.

This notice only relates to the Lloyds Pay by Bank payment initiation process provided by Lloyds Bank plc, our regulated payment service provider. It does not relate to other payment methods, such as when you pay by bank transfer or credit or debit card.

You should read the Pastdue Credit Solutions Privacy Notice alongside this payment-specific privacy notice. Both notices apply when you use Pay by Bank.

This is a new payment method where you safely transfer money to us directly from your bank account, through an authorised third-party provider.

You only use this payment method when you choose ‘Pay by bank’ to pay.

Pay by Bank is a service provided by Lloyds Bank plc (our regulated payment service provider). It enables customers to make payments direct from their bank accounts through a regulated payment initiation service. Pay by Bank is authorised and regulated by the Financial Conduct Authority (FCA).

Pastdue Credit Solutions Limited does not collect your personal data during the payment process.

To allow us to collect the payment, once you consent to the process and having read this Privacy Notice, we will pass a unique payment reference number to Lloyds Bank plc. Lloyds Bank plc then sends a payment request to your bank. We receive only a confirmation from Lloyds Bank plc indicating whether your payment has been successful.

Lloyds Bank plc acts as a separate data controller during the payment authorisation step. Lloyds Bank plc will use the information you provide to send a payment request directly to your bank. They pre-fill the payment amount and reference so you don’t need to re-enter them.

You then sign in to your online banking or mobile app to approve your payment. Your bank will then action the payment request.

Your password and sign in details will only be shared with your bank. They will not be shared with us or with Pay by Bank.

We do not share your name, address, postcode or any other personal data with Lloyds Bank plc or with any other party during the payment process.

Lloyds Bank plc’s separate Privacy Notice: for full details of how Lloyds Bank plc processes your payment data, please see their Privacy Notice. You can access this during the payment process.

You do not have to use Pay by Bank. You can choose another way to pay.

By selecting ‘approve this payment’ you are consenting to this Privacy Notice and giving your permission to be transferred to your bank to make the payment.

You will be redirected to your bank or building society to securely sign in and approve the payment.

You can contact us if you have questions about this privacy notice or want to make a complaint. Please see the main Pastdue Credit Solutions Privacy Notice here for further details.

Our Data Protection Officer is:

Paul Le Poidevin
Data Protection Officer
Pastdue Credit Solutions Limited
Email: [email protected]

Information and text displayed in this website is for information only. Whilst every care is taken to ensure accuracy, visitors to the site must use their own discretion in using the material. No responsibility can be accepted by Past Due Credit Solutions Ltd. or its executives for errors or omissions. Where links to other sites, products or services are provided, these are for ease of access only and in no way constitute an endorsement of any products or services thereon. Pastdue Credit Solutions Ltd. is not responsible for the content of any sites other than www.pastduecredit.co.uk.