PO Box 278 Surrey, RH2 7JP – Who’s Contacting You?

Are you holding a letter from PO Box 278 and feeling unsure about your next steps? You’ve come to the right place. Every month, more than 170,000 people visit this site seeking guidance on debt issues.

In this article, we’ll address the following questions:

• Who is contacting you from PO Box 278?
• Should you pay or ignore Intrum debt collectors?
• What if you can’t afford to pay the debt?
• How can you complain about Intrum?

Research shows that 64% of people in the UK find dealing with debt collectors stressful.¹ So we truly understand how you feel.

Some of our team members have also struggled with debt. With our experience, we’ll help you understand your options and manage your situation effectively.

Let’s dive in!

Who’s Behind the Debt Letter from PO Box 278?

If you’ve received a letter from PO Box 278 in Surrey, RH2 7JP, chances are it’s from Intrum debt collectors.

Intrum isn’t a name that typically rings a bell for most people, as it’s a debt collection agency that often works on behalf of various companies to recover debts.

Their letters usually specify which company they’re collecting for.

It’s crucial not to ignore these debt letters. From what we’ve seen, ignoring them can escalate the situation and potentially lead to a County Court Judgment (CCJ) against you.

This can have an impact on your credit file.

Instead, it’s better to respond promptly. You can either ask Intrum to provide proof of the debt if you’re unsure about it or make arrangements to pay it if it’s legitimate.

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Typical Debt Collection Process

Getting letters from PO Box 278 is pretty standard since it’s often the first step in the debt collection process.

To help you better understand the debt collector timeline and the steps you should take, I’ve created this table.

Remember, if you ignore Intrum debt collectors, they can take you to court and file a CCJ against you. We find it best to contact them and offer to pay what you can.

Should You Pay Intrum Debt Collectors?

Are unsure whether you should pay Intrum? It’s a common dilemma, but the answer isn’t always straightforward.

Before you reach for your wallet, it’s essential to consider a few key factors.

First, we recommend asking for proof of the debt. Mistakes can happen, and you don’t want to pay for something you don’t actually owe.

You need to ask them to prove the debt in writing. They should reply to your prove-it letter with a copy of a credit agreement or contract you signed. 

If they don’t reply with the evidence, you don’t have to pay.

It’s also important to keep copies of your request in case the matter goes to court.

Check if the Debt Is Still Enforceable

Another crucial thing to consider is the statute of limitations on your debt.

If it’s been 6 years – or 5 years in Scotland – since you last paid anything towards your unsecured debts, without any communication with your creditor during this time, it becomes statute-barred.

This means you’re off the hook legally; you can’t be forced to pay it.

But remember, not all debts follow this rule! Debts owed to HMRC, for instance, can stay enforceable for decades.

And if a County Court Judgment (CCJ) was issued within that 5 or 6-year period, the debt remains enforceable for the duration of the CCJ.

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What if Intrum Proves Your Debt?

If Intrum confirms your debt, ideally, clearing it entirely would be the aim. But let’s be real—not everyone can manage that.

In fact, the average unsecured debt has increased by 27% year-on-year (to £16,174).² You’re not alone in this.

So, what can you do if you find yourself in this situation?

We recommend reaching out to Intrum and discussing the possibility of setting up an instalment plan.

Intrum or the original creditor might be willing to work with you to create a payment schedule that fits your budget.

Another option to consider is looking into broader debt solutions, such as a Debt Management Plan, an Individual Voluntary Arrangement, or a Debt Relief Order. These solutions can help you freeze interest and manage your finances effectively.

If you’re considering a debt solution, we find it best to contact a debt charity for free advice. Their advisors will be able to look at your situation in detail and give you a plan moving forward.

How to Complain About Intrum?

If Intrum has provided false information, failed to validate the debt upon your request, or harassed you, you should make a complaint.

It’s important to ensure that Intrum debt collectors follow the Financial Conduct Authority’s (FCA) guidelines.

Our recommendation is to first address your concerns directly with Intrum, allowing them the opportunity to resolve the issue internally.

However, if you find that your complaint is not being taken seriously, you can take your secondary complaint to the Financial Ombudsman Service (FOS).

References

1. Indebted Debt Collection Survey
2. StepChange Debt Statistics in Scotland 2022