PO Box 4777 Rugby G60 9AT - Who's Contacting Me?

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Have you received a letter from PO Box 3104, Glasgow G60 9AT? You’re not alone. Every month, thousands of people visit MoneyNerd looking for help after getting a surprise letter like this.

PO Box 3104 Glasgow is commonly used by Pastdue Credit Solutions (PDCS), a UK debt collection agency that chases unpaid accounts on behalf of organisations such as energy, water and telecoms companies, and sometimes government bodies. If you’ve had a letter, don’t panic — this guide explains who’s contacting you, what it means, and the safest next steps to take.

Source: examples and reports from UK consumer forums confirming letters from PDCS use “PO Box 3104, Glasgow G60 9AT”.

Who is PDCS and why are they writing to me?

Pastdue Credit Solutions (PDCS) is a licensed UK debt collection company. They don’t decide what you owe — they’re hired to collect an unpaid balance for another organisation (the “original creditor”). Typical reasons you might hear from PDCS include a missed utility bill after a house move, a closed account with a small balance left, or an account that’s fallen into arrears.

Important: PDCS letters can be about legitimate debts, but mistakes happen. The account could belong to someone else, be out of date, or already settled. That’s why your first step is always to check and challenge — not to pay immediately.

Should you ignore a letter from PO Box 3104 Glasgow?

No — don’t ignore it. Ignoring collection letters can lead to more contact, default notices and, in some cases, court action. Even if you think the debt isn’t yours, reply in writing so you’re in control of the situation.

Is the letter real or a scam?

Most letters using this PO Box are genuine PDCS mail. That said, it’s smart to verify:

Compare details in the letter (your name, address, reference) with your records.
Contact the organisation named in the letter (e.g. your energy supplier) using a number from their official website — not the number in the letter — and ask if they’ve passed your account to PDCS.
Check that any company demanding payment is authorised for debt collection on the Financial Conduct Authority register.
Never share card or bank details until you’re confident the claim is genuine.

What to do next (step-by-step)

1) If it’s not about you

If the letter is for someone who doesn’t live at your address, write “Not known at this address” on the envelope and return it. If the letter is addressed to you but the account isn’t yours, reply in writing explaining this and keep a copy.

2) Ask them to prove the debt

You only have to pay once they’ve proved you owe it. Send a free “prove the debt” letter and insist on a copy of the signed agreement, bill history, and a full statement showing how they reached the balance. Tell them to put collection activity on hold until they provide this.

Keep copies of everything you send. If they can’t provide proof and still push for payment, you can complain — and evidence of your request helps.

3) Check if the debt is too old to enforce

Many unsecured debts become “time-barred” if there’s been no payment and no written acknowledgement for a set period: 6 years in England & Wales, or 5 years in Scotland. Some debts don’t become time-barred (for example, HMRC debts) and anything with a court judgment already in place can still be enforced. If you think a debt is time-barred, use our free statute-barred letter.

Scotland note: in Scotland, court action is via the Sheriff Court and results in a Decree rather than a CCJ. The prescription period is usually 5 years for most consumer debts.

4) If they prove the debt is yours

Can you clear it? Pay in full if affordable — but get written confirmation the account will be closed and your credit file updated.
Need time? Offer a payment plan based on your real budget. Debt collectors must consider fair and affordable proposals.
Struggling to pay? Consider a formal debt solution:

Debt Management Plan (DMP) – one monthly payment to your debts, interest and charges may be frozen.
IVA (England, Wales & NI) or Protected Trust Deed (Scotland) – a fixed-term agreement that can write off unaffordable debt at the end.
Debt Relief Order (DRO) – for people with low income, low assets and qualifying debts in England & Wales or Northern Ireland.
Bankruptcy (England, Wales & NI) or Sequestration (Scotland) – a legal process to deal with debts you can’t pay.
Debt Arrangement Scheme (DAS) (Scotland) – repay what you owe through an approved plan with interest and charges frozen.

Unsure which fits? Read our debt solutions guide or speak with our trusted partners at the Debt Advice Service for personalised help.

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Can PDCS take me to court?

Debt collectors themselves don’t issue court orders, but they can recommend their client starts legal action. In England & Wales this could lead to a County Court Judgment (CCJ). In Scotland, it’s a Decree from the Sheriff Court. Court action usually comes after warning letters. Respond early to avoid this — ask for proof, dispute errors and agree affordable repayments where the debt is correct.

Helpful templates and tools

Free Prove-It Letter – make PDCS evidence the debt before you pay.
Statute-Barred Letter (England & Wales) / Prescription Letter (Scotland) – if the debt is too old to enforce.
Debt Collectors – Your Rights – a simple guide to dealing with collectors.

Frequently asked questions

Is PO Box 3104 Glasgow definitely PDCS?

This PO Box is commonly linked to Pastdue Credit Solutions letters. If you’re unsure, contact the named creditor on their official website or check PDCS’s details via the FCA register before paying anything.

Will a PDCS letter affect my credit score?

The letter itself doesn’t. But if the underlying account has already defaulted or has a CCJ/Decree, that will show on your credit file. Sorting things early can prevent further damage.

Can PDCS send someone to my home?

They might arrange a field agent visit, but they aren’t bailiffs or sheriff officers. They can’t force entry or take goods. You can ask them to leave and insist all contact is in writing.

What if I can’t afford what they’re asking?

Don’t agree to payments you can’t maintain. Offer what’s affordable based on your income and essential costs. If you’re in the UK you may qualify for support like a DMP, IVA/Protected Trust Deed, DRO or DAS. Use our guides or speak to the Debt Advice Service for tailored help.

The bottom line

If a letter arrives from PO Box 3104, Glasgow G60 9AT, open it and take control. Ask for proof, check if it’s too old to enforce, and only pay what’s correct and affordable. MoneyNerd has free templates, tools and clear guides to help you handle PDCS and any other collector confidently.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.