Introduction
When a letter from PO Box 795 Telford arrives, many people feel alarmed or confused. Questions immediately arise—Is it real? Do I owe money? Could it be a scam? The truth is, this postal address belongs to the Department for Work and Pensions (DWP) Debt Management team. These letters are not unusual; they’re part of the UK government’s system for recovering benefit overpayments, tax credit debts, and social fund loans.
Understanding what this address means, why you might receive mail from it, and how to respond can save you stress and prevent unnecessary financial hardship.
What Exactly Is PO Box 795 Telford?
The address PO Box 795, Telford, TF7 9GG is an official postal box used by the DWP Debt Management department. This team manages the collection of debts owed to the government. Some key areas they cover include:
- Benefit overpayments – when claimants are accidentally paid more than they are entitled to.
- Tax credit overpayments – debts transferred from HMRC to DWP after system changes.
- Social Fund loans or budgeting advances – financial help that must later be repaid.
- Missed repayments – if instalments agreed earlier are overdue.
This is a legitimate government address. It is not linked to private debt collectors, though in some cases the DWP can use outside agencies to chase outstanding payments.
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Common Reasons for Receiving a Letter
People may receive mail from PO Box 795 Telford for different reasons:
- Benefit Overpayment
Overpayments can happen when your circumstances change—such as moving in with a partner, starting a new job, or changes to income—and the DWP system does not update quickly enough. - Tax Credit Recovery
Many families who previously claimed tax credits now find debts transferred to DWP when HMRC reconciles their records. - Loans and Advances
Budgeting loans, crisis loans, or advance payments must be repaid, and reminders often come from this address. - Administrative Errors
Sometimes, overpayments occur due to government miscalculations. Even then, DWP may still ask for repayment unless you successfully dispute it. - Missed Payment Plans
If you agreed to repay in instalments but fell behind, DWP will send reminders from this PO Box.
Step-by-Step Guide: How to Handle a Letter from PO Box 795
If you receive one of these letters, here’s what to do:
Step 1: Stay Calm and Read Carefully
Open the letter and note down:
- The amount claimed.
- The reason for the debt.
- Your reference number.
Step 2: Verify the Debt
Cross-check with your records. For example:
- Did you recently stop receiving a benefit?
- Were you previously claiming tax credits?
- Did you apply for a budgeting loan?
Errors are possible, so don’t assume the letter is always accurate.
Step 3: Contact DWP Debt Management
Call 0800 916 0647 (freephone) and quote your reference number. They can explain why the debt was raised and provide a breakdown.
Step 4: Dispute If Necessary
If you believe the debt is wrong, request a Mandatory Reconsideration. You’ll need to explain why you think the decision is incorrect, and DWP will review it.
Step 5: Arrange Repayment
If the debt is valid but unaffordable, you don’t need to panic. DWP allows instalments and can even take small amounts from your benefits. Discuss repayment options openly with them.
Step 6: Seek Independent Advice
Charities such as StepChange, Citizens Advice, and National Debtline provide free help. They can guide you through disputes or repayment plans.
What Happens If You Ignore the Letter?
Failing to act can make matters worse. Possible outcomes include:
- Deductions from benefits – The DWP can recover money directly from ongoing benefits.
- Direct Earnings Attachment (DEA) – Money can be taken directly from your wages without a court order.
- Debt collection agencies – In some cases, external firms may be involved.
- Court action – If left unresolved, it can escalate to legal proceedings.
Responding quickly puts you in control and usually avoids harsher measures.
Protecting Yourself from Scams
Because debt letters can cause panic, scammers sometimes mimic official correspondence. Here’s how to check if your letter is genuine:
- The address PO Box 795, Telford, TF7 9GG is authentic.
- Official letters will contain your National Insurance number or reference details.
- Always confirm using the official DWP phone line on GOV.UK.
- Never share banking details via suspicious texts, calls, or emails.
If in doubt, contact the DWP directly before taking any action.
Real-Life Example
Imagine Sarah, a single parent who claimed Universal Credit. After returning to work, she updated her account but a delay caused an overpayment of £450. Months later, she received a letter from PO Box 795 Telford asking for repayment.
By contacting the DWP, she confirmed the debt was correct and arranged to repay £30 per month. This prevented any wage deductions and gave her peace of mind.
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Conclusion
Letters from PO Box 795 Telford can feel intimidating, but they are a normal part of the UK’s debt recovery system. This address is linked to the DWP Debt Management team, handling overpayments, loans, and tax credit debts.
By carefully reading the letter, verifying details, and contacting the DWP, you can resolve the issue smoothly. Ignoring it only creates bigger problems, but support is always available through free advice services.
In short: don’t panic, don’t ignore, and don’t hesitate to ask for help.
FAQs About PO Box 795 Telford
1. Is PO Box 795 Telford a scam?
No, it is a genuine postal address used by the Department for Work and Pensions Debt Management team.
2. Why did I get a letter from this address?
Usually because of benefit overpayments, tax credit debts, or loan repayments.
3. Can I refuse to pay if it was DWP’s mistake?
You can dispute the debt by requesting a Mandatory Reconsideration. If successful, the repayment may be reduced or cancelled.
4. What if I can’t afford to pay?
The DWP can set up affordable instalment plans or take small deductions from benefits.
5. Who can help me with debt from PO Box 795 Telford?
Free help is available from Citizens Advice, StepChange, MoneyHelper, and National Debtline.
