PO Box 175 Lancashire, PR1 1 AF – Who’s Contacting Me?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Are you holding a scary letter from ‘PO Box 175 Lancashire PR1 1AF’? This address is used by NCO Europe, a well-known debt collection company.
Many people worry about what to do when they get such a letter. 64% of UK adults feel stressed when dealing with current debt collectors1, so you’re not alone. Some of our team have had letters from debt collectors like NCO Europe, too. In fact, over 170,000 people visit our website each month to learn more about debt.
Don’t worry! In this article, we’ll explain:
- Who sends letters from PO Box 175, Lancashire
- What to do if you’ve received a letter
- Why you have had a letter
- How to respond to a letter from NCO Europe.
We’re here to help you understand how to deal with debt collectors. Let’s dive in!
Who has contacted me from PO Box 175, PR1 1AF?
PO Box 175, PR1 1AF is a PO Box used by NCO Europe.
We have a detailed NCO Europe guide available, which you can find here.
NCO Europe collects debts from a number of different companies, including credit card and loan providers, as well as utility companies. They have also been used by HMRC and councils to collect tax debts.
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.
Have you had letters from PO Box 175, PR1 1AF?
If you have received a letter from NCO Europe, don’t ignore them. We always recommend responding to debt collectors – primarily to question the validity of the debt in question.
You have the right to ask for proof that the debt is yours. You don’t have to pay a debt that can’t be proven as yours. In our experience, too many people skip debt verification. Not verifying the debt means that you might end up paying off a debt that wasn’t enforceable.
» TAKE ACTION NOW: Fill out the short debt form
Why am I getting letters from PO Box 175, PR1 1AF?
A letter from NCO Europe means that a creditor has passed your debt to them. This is quite typical of the debt collection process, which we will run through below.
Debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1!2 But they’ll probably still chase you for the whole value of the debt because they keep any extra money as profit.
Typical Debt Collection Process
If you’ve missed a payment, NCO Debt Collectors will call or send letters. This is part of the initial stage of the debt collection process.
We’ve put together this table that explains the key stages and actions involved in the debt collector timeline. If you’d like to learn more, please read our specialized guide.
| Stage | Actions | What you should do: |
|---|---|---|
| Missing one or two small payments | Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. | Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options. |
| Missing large or multiple payments | Their contact will become more frequent, urgent, and threatening. | Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment. |
| Debt collector visit | After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. | If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this. |
| Court | If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to: – File a CCJ against you. – File an attachment of earnings order. – File a lawsuit against you. |
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you. |
How do I respond to a letter from PO Box 175, PR1 1AF?
How you respond will depend on the type of letter you’ve had. Again, we don’t recommend just ignoring the letter, as this could make matters worse.
Firstly, if the letter is addressed to you or anyone currently living in your address, you should return the letter to the sender. You can write ‘not known at this address’ or something similar on the envelope.
You then need to put the letter into a postbox, and Royal Mail will return it to NCO free of charge. NCO Europe should then update their records and stop contacting you. If they don’t, you can use our free letter template to tell them to stop.
If the letter is addressed to you, you should verify the debt and then consider paying the debt before matters escalate. We will run through how to verify debt below.
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.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
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How do I verify a debt?
If you have received debt letters from NCO Europe, but aren’t sure if they’re legit, what do you do?
From our experience, the best thing to do is ask for proof that the debt is yours. We have a free ‘prove it’ letter template that you can use to help you write to NCO Europe and request evidence that you are liable for the debt that they are chasing.
You are under no obligation to pay for a debt that can’t be proven to be yours.
It is crucial that you respond to legitimate debt collectors quickly. Responding quickly will help you avoid any extra charges or fees. Not ignoring debt collectors also means that you are less likely to face legal action, such as a CCJ.
