Although junk mail is something we now associate more with emails rather than postal mail, plenty of people still receive letters from unknown sources. It can be difficult knowing which post is legitimate and which isn’t. However, looking at the return address can sometimes help. But what do you do if you come across a postal address such as PO Box 140 Normanton? How do you know who is sending you mail and what you should do about it? We take a look at where such letters come from.
Which companies Use PO Box 140 Normanton?
A quick internet search will outline a range of customer queries about post they’ve received with a return address of PO Box 140 Normanton. Some of these range back a few years, while some are more recent. A general consensus seems to be that there are several companies and organisations that do use or have used this address. This includes:
- Banks. Finance institutions such as Lloyds, Halifax, Bank of Scotland, and RBS have been known to use this address. Previously, it was used by the HBOS retail banking company, which was then taken over by the Lloyds Banking Group.
- Credit companies. Some forum users have reported that they received contact from a company called Britannia Personal Lending using the PO Box 140 Normanton address. This lending company is no longer in business.
- PPI letters. There were reports from some people that they received letters about Payment Protection Insurance (PPI) refunds with a return address to the PO Box.
- Debt collection. There are some articles suggesting that PO Box 140 Normanton is linked to debt collection agencies. However, no actual agency names are used, making it unclear which, if any, companies use them.
These are some of the most common searches linked to the address in question. However, the most convincing argument is that it’s currently a PO Box used by Lloyds Banking Group for their return address.
Don’t worry, here’s what to do
You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:
Should I ignore mail from PO Box 140 Normanton?
It can be tempting to leave mail from an unknown sender unopened. However, if you receive a letter addressed to you with the return address of PO Box 140 Normanton, there’s a good chance that there’s something worth reading inside.
The letter could be something from your bank, and it could contain important information. If there are any issues surrounding outstanding debts or PPI repayments, ignoring the letter could be costly. The unpaid debts won’t go away by themselves, and the PPI repayment won’t automatically go to you.
It’s always a good idea to open mail that’s addressed to you. Doing so allows you to focus on dealing with any issues that it pertains to. If you ignore something important, it’s highly likely that you’ll keep receiving post in relation to it.
If you owe money to your bank or credit card provider, there’s a high chance they will chase you up for it. In some circumstances, they may even pass your file onto a debt collection agency or bailiffs. You want to avoid this happening, as it can result in quite a few additional costs and hardships. Opening post addressed to you means you get a head start on dealing with any issues that arise.
How should I respond to the letters?
The way to respond to letters you receive from PO Box 140 Normanton depends on the exact nature of the post. The first thing to mention is that, if it’s not addressed to you or someone currently living in your home, you should return the letter.
You can return mail by crossing out the address and writing ‘not known at this address’ or similar on the envelope. You can then put it back in a post box, and Royal Mail will try and deliver it back to the sender, free of charge. This should allow them to update their records and stop them from contacting you.
If you receive mail from your bank, there could be several reasons why they’ve contacted you. Your best bet is to reach out to them regarding whatever the issue is. You can visit a branch or give them a call to clarify. Make sure you have the letter with you when you do so.
In the case that you do receive contact about an unpaid debt, either from your bank or a debt collection agency, you should deal with the issue straight away. You can either contact them to discuss the matter or pay the money you owe (providing you actually owe it).
Find your best debt solution
Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.
Are the letters legitimate?
It can sometimes be difficult to know what mail is spam and what’s not. Generally speaking, letters with a return address of PO Box 140 Normanton are from a legitimate sender, most likely a bank that’s part of the Lloyds Banking Group.
If you’re unsure about how legitimate a letter is, you can always contact your bank. Instead of phoning the number provided on the letter, take the document to a branch to have them verify it for you. They’ll be able to help you figure out what the best course of action is too.
Make sure to check out the details of any company that you’re unfamiliar with. Generally, it’s unlikely that you’ll know the name of the debt collection agency that’s trying to recover money from you. These companies act on behalf of other businesses or sometimes buy the debt themselves to reclaim it.
Be cautious of any correspondence that’s asking for sensitive information related to your personal identity or bank account. Again, if you’re unsure of how authentic a letter is, you should take it to your bank. You can also contact your nearest Citizens Advice for help with anything related to debt.
Do I owe them money?
It can sometimes be hard to know if you actually owe money to a business or bank that contacts you. Generally speaking, if you receive a legitimate letter from a company claiming you owe them, the chances are you actually do. It could be an outstanding loan, credit card debt, or store credit.
Whether it’s the company themselves or a third-party collection agency chasing you, they must be able to prove that you owe the debt. This means you can contact them in writing to ask for the details they have of the money you owe. Writing to the return address (in this case PO Box 140 Normanton) can be a good place to start.
If your debt is over six years old and you’ve not made any payment on it or contacted the creditor, it could be what’s known as statute-barred, meaning you may not have to repay it. However, this only applies if the creditor hasn’t contacted you or taken out a CCJ against you during that time.
It’s worth exploring your avenues to find out whether you definitely owe and have to repay the money. You may need to contact whichever company or debt collection agency is chasing you while you do so.
What should I do if I have debt?
Money can be hard to manage sometimes, and debt can prove to be a vicious circle once you get into it. However, there are some effective ways of dealing with letters from debt collection agencies, whether or not they use the PO Box 140 Normanton address.
Below, we’ve outlined some of the strategies you can take when dealing with unpaid debts:
- Verify what you owe and to whom. You’ll want to confirm with whichever company you’re dealing with how much you owe them. You can ask for proof of exactly what they’re claiming, and they have to provide it before you pay.
- Consider paying the amount owed. If you definitely do owe the money and you have sufficient funds to cover the amount, paying it off will end the matter there and then.
- Ask about payment plans. The creditor may be willing to work with you to arrange a repayment plan. This will allow you to pay back a certain amount each month until the debt is repaid.
- Check whether the debt is statute-barred. If it’s been more than six years since any action by you or the creditor was taken over the debt, it could be written off. Check your options and speak with a professional.
- Consider debt management options. There are several ways you can consolidate your debts into one manageable repayment. Something like an individual voluntary arrangement (IVA) lets you pay back a certain amount of 60 months, with anything outstanding after that being written off.
What is a PO Box?
A PO Box (sometimes written P.O. Box) is a Post Office box, a secure lockable box where letters are sent. These lockboxes are usually located at Post Offices and Royal Mail sorting offices. They exist to let users receive post to a location that’s separate from their main address.
PO boxes can be useful tools for businesses and individuals for a whole host of reasons. Not only do they give the user some form of privacy and anonymity, but they can also help to manage inbound post more effectively. For those who are currently outside of the UK, it also allows them the chance to have their mail delivered to a fixed location.
They’re usually quite affordable, which makes them convenient for individuals, as well as large or small businesses. Costs run from £277.50 to £408 per year with Royal Mail, although other services exist.
Who uses PO boxes?
All kinds of people and organisations use PO boxes. They have various uses for different situations, including for:
- Large companies. Businesses that have a lot of different locations or branches often have to think about the logistics of receiving mail. Rather than listing out all of their addresses, they can use a central PO Box and then distribute the mail to where it needs to go.
- Small companies. For those who operate a business from their home address, they can add a layer of privacy with a PO Box. It also gives a more professional appearance than using a residential address.
- Individuals. There are many reasons an individual may use a PO Box. Expats and frequent travellers often have them so they can still receive mail when overseas. Those who are in the public image (such as bloggers) can gain extra privacy when sending marketing emails to followers.
So, with the high amount of uses for Post Office boxes, it’s highly likely you’ll see many companies using them. They’re particularly popular for return addresses for physical mail, as it makes it harder for the recipient to visit the sender in person.
Where is PO Box 140 Normanton?
PO Box 140 Normanton is located in the WF6 1YA postcode. This postcode means that it’s situated in Whitwood, Castleford in the UK. Although it’s located in West Yorkshire, it’s possible that mail with this return address can be sent to locations all over the country.
PO Box 140 Normanton – Final Thoughts
So, if you’ve received mail that includes a return address of PO Box 140 Normanton, the chances are that it’s from a bank that’s part of the Lloyds Banking Group. This includes banks such as Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows.
If the post is addressed to you, it’s definitely worth opening it to find out why they’re writing to you. If there are any pressing matters, you can contact the bank directly to resolve them. Make sure to take the letter into a branch for them to verify its legitimacy.
If the mail isn’t addressed to you or anyone in your household, you should return it to the sender with a note saying ‘not at this address,’ or similar.
Some people have reported debt collection agencies using the address, although it’s unclear exactly which ones, if any, still use it. If you do receive a letter from such a company, it’s important not to ignore it. Instead, you should take the necessary steps to resolve the matter.