Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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PCO Holdco Sarl Debt Collection

PCO Holdco Sarl’s remit is to pursue debtors to collect monies owed to businesses and organisations including HMRC as well as individuals. PCO Holdco Sarl is a member of the Credit Services Association and has an accreditation (CSA’s Collector Accreditation Initiative) which demonstrates its knowledge and understanding of industry compliance, ensuring it operates in a fair and legal way.

Who are PCO Holdco Sarl?

PCO Holdco Sarl’s remit is to pursue debtors to collect monies owed to businesses and organisations including HMRC as well as individuals. PCO Holdco Sarl will collect monies such as unpaid tax and tax credit overpayments on behalf of HMRC.

Why are PCO Holdco Sarl chasing me?

There’s a possibility that your account has been handed to PCO Holdco Sarl for overseeing, and this is because you owe money to an individual or organisation. You may not initially recognise the company name as it’s not one you will have corresponded with before – however, your debt may be dealt with by PCO Holdco Sarl, a debt collection agency.

Is PCO Holdco Sarl a legitimate debt collector?

Yes, the organisation is legitimate and acts on behalf of a number of government bodies and well-known enterprises. PCO Holdco Sarl is a member of the Credit Services Association and has an accreditation (CSA’s Collector Accreditation Initiative) which demonstrates its knowledge and understanding of industry compliance, ensuring it operates in a fair and legal way.

Who does PCO Holdco Sarl collect for?

If you have debt with a number of organisations, PCO Holdco Sarl will make attempts to recover the monies. The companies and organisations include HMRC, O2, EE and Virgin Media and if you have outstanding parking tickets, catalogue debt or payday loan debt, you will be contacted by PCO Holdco Sarl.

Should I ignore PCO Holdco Sarl’s letters or calls?

It is best practice not to ignore letters or calls, but do seek advice before taking action. PCO Holdco Sarl will allow you time to weight up your debt management options. Always communicate your choices and inform PCO Holdco Sarl of your plans. Most importantly, debt will not disappear without a plan, and can mount up. It’s essential not to ignore letters and calls, otherwise, further action may be taken which will damage your credit rating.

Can I stop PCO Holdco Sarl from contacting me?

PCO Holdco Sarl may be legally required to forward correspondence to you so you cannot prevent contact. You may indicate your preferences, however, and you can opt to receive letters rather than phone calls which can be a little less stressful.

Is my debt to PCO Holdco Sarl debt statute-barred?

Some debts have a time limit according to the Limitation Act 1980. That limit is usually six years in England and five years in Scotland. The debt begins from the last time a payment was made or from the time when you acknowledged the debt in writing. After this point, the debt will be considered as statute-barred. That means that the law states that the debt can not be enforced any longer.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


I owe the debt and I can afford to pay PCO Holdco Sarl, should I?

Yes, if you are capable of paying the debt, you should, in order to stop the constant calls and letters. It will also be a weight off your mind.

I can’t afford to pay PCO Holdco Sarl, what now?

If you are struggling, it’s best to communicate with PCO Holdco Sarl and agree on a payment plan and timeframe. The payment should be affordable and you should demonstrate that you are able to pay.

Can I write off my PCO Holdco Sarl debts?

You can manage your debt via an individual voluntary arrangement (IVA) This will consolidate all your existing unsecured debt and you then make monthly repayment towards this over roughly 60 months. At the end of the payment period, any outstanding debt is written off.

What action can PCO Holdco Sarl take?

If you owe debt and you do not pay, you can be sued by PCO Holdco Sarl. If the organisation wins, the court will issue a judgment or order against you that states you must pay the accumulated debt. However, if your money and property are protected, then creditors are not permitted to remove them from you. It’s important to seek advice and guidance in this particular area.

Could my PCO Holdco Sarl debts mean that I lose my home?

It is unlikely that you would lose your home as there are a number of steps that have to be taken first in the debt recovery process. Always obtain advice first and be open and honest with the creditor.

How do I make a complaint about PCO Holdco Sarl?

If you feel you have been treated unfairly, there is a complaints process. You may make the initial complaint directly to PCO Holdco Sarl using the contact information on the website. If you are not satisfied with the answer to the complaint forwarded to PCO Holdco Sarl, you can refer the issue to the Financial Conduct Authority (FCA) or the Credit Services Association (CSA.)

The DebtBuffer site can help you to put together a letter to creditors to ensure you are treated fairly. In addition, an AI chatbot is available to help people understand the various debt options available to them. The chatbot will ask you to answer a series of questions to see if you are suitable to benefit from a specific solution that will assist you in managing any debt you may owe.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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