PO Box 951 Newcastle upon Tyne, NE27 9DG is published in official Lloyds Bank and Bank of Scotland documents as a correspondence address for “PLSC – S77s”.
The documents direct customers to this department when making certain Consumer Credit Act Section 77 requests involving loan application forms.
This is strong evidence that PO Box 951 Newcastle upon Tyne is associated with loan administration within Lloyds Banking Group. Lloyds Bank and Bank of Scotland are both members of Lloyds Banking Group.
However, the PO Box number alone does not establish that every letter displaying it is genuine.
Fraudsters can copy the names, addresses and branding of legitimate organisations. Unexpected correspondence should be checked using contact information obtained independently from the bank or the FCA Firm Checker.
There is also a notable inconsistency in Lloyds’ published information.
Its downloadable retail data-request form shows PO Box 951, but its live personal-information webpage currently gives PO Box 952 for loan-related Section 77 requests. Confirm the correct address before sending documents.
What Is the Full PO Box 951 Newcastle upon Tyne Address?
The full address shown in the downloadable Lloyds Bank and Bank of Scotland retail data-request forms is:
PLSC – S77s
PO Box 951
Newcastle upon Tyne
NE27 9DG
Both forms place the address under instructions for Consumer Credit Act Section 77 requests for application forms relating to loans.
The Lloyds form prints Newcastle upon Tyne and the postcode on one line, while the Bank of Scotland form presents them on separate lines. The destination is otherwise the same.
When addressing an envelope, include the department label as well as the PO Box number. Large organisations may operate several correspondence teams, and the department information helps incoming mail reach the intended service.
The postcode is also important. Some third-party articles connect PO Box 951 with the NE99 postcode area, but the primary bank documents clearly state NE27 9DG.
The official documents are stronger evidence for this specific banking address than an unaffiliated page offering a general estimate of who may use it.
Which Organisation Uses PO Box 951 Newcastle upon Tyne?
The Lloyds Bank Connection
Lloyds Bank’s downloadable retail data subject access request form lists PLSC – S77s, PO Box 951, Newcastle upon Tyne, NE27 9DG as the postal destination for particular Section 77 loan requests.
The document is a Lloyds form covering personal information connected with products such as credit cards, loans, mortgages and bank accounts.
It separates the general data subject access process from faster or more specific request routes. The PO Box 951 address appears specifically under the loan-related Section 77 route.
A first-party Lloyds customer-service response has also referred to the same PO Box as the address of the Personal Loan Service Centre.
This supports the interpretation that PLSC refers to that service centre, although the downloadable form itself uses only the initials.
The evidence therefore supports saying that PO Box 951 Newcastle upon Tyne is connected with Lloyds loan correspondence. It does not establish that the PO Box is used for every Lloyds loan enquiry, complaint, payment or account-management issue.
The Bank of Scotland Connection
Bank of Scotland’s retail data subject access request form contains the same PLSC – S77s address for loan-related Section 77 requests:
PO Box 951
Newcastle upon Tyne
NE27 9DG
The Bank of Scotland document does not merely mention a similar Newcastle address; it reproduces the same PO Box, department label and postcode shown in the Lloyds PDF.
This shared address is understandable because Lloyds Bank and Bank of Scotland are both members of Lloyds Banking Group.
Large financial groups may use shared operational teams or correspondence centres while continuing to serve customers through separate banking brands.
Customers should nevertheless identify which bank is named in their own paperwork. The shared administrative address does not make Lloyds Bank and Bank of Scotland interchangeable for every customer-service purpose.
What does PLSC Mean?
“PLSC” appears to mean Personal Loan Service Centre. That wording was used by Lloyds Bank’s customer-service account when providing the PO Box 951 address to a customer. The formal Lloyds and Bank of Scotland PDFs use the shorter label “PLSC – S77s”.
“S77s” appears to identify work involving Section 77 requests. It should be treated as an internal routing label rather than a separate company name.
What Does “PLSC – S77s” Mean?
Section 77 of the Consumer Credit Act 1974 concerns a creditor’s duty to provide information to a debtor under a regulated fixed-sum credit agreement.
Personal loans are a common form of fixed-sum credit because the borrower receives an agreed amount and repays it under the terms of the agreement.
A Section 77 request can be used to seek information relating to the credit agreement and account. The exact legal position depends on the type of agreement, its status and the facts of the individual case.
The Lloyds and Bank of Scotland forms describe the PO Box 951 route more narrowly as being for Section 77 requests for application forms for loans.
Customers should follow the bank’s current instructions rather than assuming that the address handles every request made under the Consumer Credit Act.
This article provides general information and is not individual legal advice. Anyone dealing with a dispute about an agreement, enforceability, arrears or court action may need guidance based on their specific circumstances.
Why Might a Customer Contact This Department?
A customer may use PO Box 951 Newcastle upon Tyne when the bank’s current instructions direct them there for information about a loan application or agreement.
Possible reasons may include:
- requesting a copy of documentation connected with a personal loan
- obtaining information about an older loan agreement
- identifying the terms connected with a historic account
- following instructions provided by Lloyds Bank or Bank of Scotland
- replying to correspondence from the Personal Loan Service Centre
- providing information requested as part of an existing loan-document enquiry
The official forms only establish the address’s use for the stated Section 77 loan-document route. They do not confirm that all other loan correspondence should be sent there.
Is a Section 77 Request the Same as a Subject Access Request?
No. A Section 77 request and a subject access request are different processes.
A Section 77 request relates to rights and duties under the Consumer Credit Act 1974 for certain fixed-sum credit agreements.
A subject access request, also known as an SAR or DSAR, concerns a person’s right to obtain copies of their personal information and related information under data protection law.
The distinction explains why the bank forms provide different addresses. The general Data Subject Access Request Team is based in Leeds, while the forms direct specified loan-related Section 77 requests to PLSC – S77s in Newcastle upon Tyne.
A person seeking a specific loan agreement should therefore check which legal route and form the bank recommends.
Sending a broad subject access request may produce different information from a request made under the Consumer Credit Act.
Why Have I Received a Letter from PO Box 951 Newcastle upon Tyne?
A letter showing PO Box 951 Newcastle upon Tyne may relate to a personal loan administered through Lloyds Bank, Bank of Scotland or another relevant Lloyds Banking Group operation.
The available primary evidence establishes that the address is associated with requests for loan application information. It does not reveal the purpose of every individual letter that may display the address.
A letter could potentially concern:
- an existing personal loan
- a loan that has already been repaid
- a previous request for an agreement or application form
- verification required to locate historic loan records
- a response to correspondence submitted by the customer
- an account held under a previous name or address
- communication sent to an authorised representative
Read the document carefully and check the bank, product, account reference and requested action. Do not assume that receiving the letter means you owe money, have made a claim or must provide documents immediately.
Where the correspondence is unexpected, contact the named bank through its official app, online banking service, the number printed on the back of your bank card or another independently verified contact channel.
Lloyds advises customers to contact a company using a number they trust when checking an unexpected communication.
Is PO Box 951 Newcastle upon Tyne a Legitimate Address?
Yes, PO Box 951 Newcastle upon Tyne, NE27 9DG is demonstrably used as a legitimate correspondence address in official Lloyds Bank and Bank of Scotland documents.
A PO Box is a recognised Royal Mail service. Royal Mail offers both collection and delivery options and explains that PO Boxes can be used to maintain privacy or provide a professional correspondence address.
However, there are two separate questions:
- Is the postal address legitimately used by a real organisation?
The official bank forms support that conclusion. - Is the particular letter in front of you genuine?
The address alone cannot answer that question.
A fraudulent letter can reproduce a real bank’s postal address, regulatory information or visual branding. The FCA warns that scammers may pretend to be authorised firms and recommends checking contact details through its Firm Checker rather than relying on information supplied in an unexpected communication.
How Can You Check Whether the Letter Is Genuine?
Review the details in the letter
Check whether the letter:
- names Lloyds Bank, Bank of Scotland or another identifiable organisation
- refers to a loan or account you recognise
- includes a plausible customer or case reference
- correctly states your name and address
- explains why you are being contacted
- demands payment or confidential information
- creates unusual pressure to respond immediately
- directs you to unfamiliar telephone numbers, websites or payment details
An error does not automatically prove fraud, and accurate details do not automatically prove legitimacy. Scammers may already possess basic personal information.
Contact the Bank Independently
Do not rely exclusively on the telephone number or web address printed in an unexpected letter.
Instead, use:
- the bank’s official mobile app
- secure online banking
- the telephone number on the back of your bank card
- an official contact page reached independently
- verified regulatory contact information
Lloyds advises customers to call a person or company on a trusted number when checking an unexpected communication.
The FCA similarly recommends comparing the firm reference number and contact details with information on the FCA Firm Checker.
Ask the bank to confirm:
- whether it sent the letter
- which department is handling the matter
- whether the reference number is valid
- what information is genuinely required
- which postal address should currently be used
Be Careful With Sensitive Information
Do not provide online-banking credentials, passwords, card PINs or security codes in response to a letter.
Treat requests for identity documents with care. A bank may legitimately need to verify a customer’s identity before releasing sensitive financial information.
The ICO says organisations may request identification where necessary, but the request should be reasonable and proportionate.
Confirm the request directly with the bank before sending passports, driving licences, bank statements or other valuable personal documents.
Ask whether copies are acceptable and whether a secure digital process is available.
Keep Evidence of Your Response
Retain:
- the original letter and envelope
- photographs or scanned copies
- notes of telephone calls
- the name or identification of the representative you spoke to
- copies of documents sent
- proof of posting or tracking information
Keeping a clear record may help if the documents are delayed, the request is disputed or a complaint later becomes necessary.
PO Box 951 and PO Box 952: Why Do Published Sources Differ?
The most important unresolved issue is the difference between two Lloyds sources.
Lloyds Bank’s downloadable retail data-request form states:
PLSC – S77s
PO Box 951
Newcastle upon Tyne, NE27 9DG
Lloyds’ live webpage currently states:
PLSC – S77s
PO Box 952
Newcastle Upon Tyne
NE27 9DG
Both sources describe the destination as being for Consumer Credit Act Section 77 requests involving loan application forms.
Bank of Scotland’s downloadable form continues to show PO Box 951 Newcastle upon Tyne.
The published material does not explain the discrepancy. Several possibilities could account for it, including a departmental change, an outdated PDF, a webpage error or separate routing arrangements. None of those explanations is confirmed by the available evidence.
For that reason, do not guess. Before posting a Section 77 request or sensitive supporting documents, ask the relevant bank to confirm:
- the correct PO Box number
- the correct department label
- whether NE27 9DG remains the correct postcode
- whether the request can be completed through another secure channel
Address and Evidence Summary
| Question | Best-supported answer |
|---|---|
| Who uses PO Box 951 Newcastle upon Tyne? | Official Lloyds Bank and Bank of Scotland forms associate it with the PLSC – S77s loan-request team |
| What is the full address? | PLSC – S77s, PO Box 951, Newcastle upon Tyne, NE27 9DG |
| Which banking group is connected with it? | Lloyds Banking Group |
| What does the address handle? | Certain Consumer Credit Act Section 77 requests involving loan application forms |
| Is the postcode NE99? | The official bank forms state NE27 9DG |
| Does the address prove a letter is genuine? | No; the sender should still be checked independently |
| Is PO Box 951 definitely the current address? | Not conclusively, because Lloyds’ live webpage currently displays PO Box 952 |
What Should You Do Before Replying?
Before replying to correspondence displaying PO Box 951 Newcastle upon Tyne:
- Read the complete letter, including any notes on the reverse
- Identify the bank, department and financial product involved
- Check whether the loan or account is familiar
- Do not use unfamiliar links or numbers without verifying them
- Contact the bank through an independently trusted channel
- Confirm that the bank sent the letter
- Ask whether PO Box 951 or PO Box 952 is the correct destination
- Confirm whether copies or original documents are required
- Keep copies of everything you send
- Use a postal method that provides appropriate evidence of posting
The FCA advises consumers to treat unexpected communications cautiously and use verified contact details when checking a financial firm.
Conclusion
PO Box 951 Newcastle upon Tyne is associated with Lloyds Banking Group loan administration. Official Lloyds Bank and Bank of Scotland documents publish PLSC – S77s, PO Box 951, Newcastle upon Tyne, NE27 9DG for specified Consumer Credit Act Section 77 requests concerning loan application forms.
The evidence is sufficient to identify a credible Lloyds Banking Group connection, but it does not prove that every letter carrying the address is genuine or that the PO Box handles every type of loan correspondence.
The current conflict between Lloyds’ PDF address and its live webpage is also important. The PDF says PO Box 951, while the webpage says PO Box 952.
Confirm the correct address directly with the bank before sending identity documents, financial records or other sensitive information.
Frequently Asked Questions
Who uses PO Box 951 Newcastle upon Tyne?
Official Lloyds Bank and Bank of Scotland forms list PO Box 951 Newcastle upon Tyne as part of the address for PLSC – S77s, a team handling certain loan-related Consumer Credit Act Section 77 requests.
Is PO Box 951 Newcastle upon Tyne connected to Lloyds Bank?
Yes. Lloyds Bank’s downloadable retail data-request form prints the address under its instructions for Section 77 requests concerning loan application forms. A live Lloyds webpage currently shows PO Box 952 instead, so the correct number should be checked before writing.
Does Bank of Scotland use PO Box 951 Newcastle upon Tyne?
Bank of Scotland’s official retail data-request form lists PLSC – S77s, PO Box 951, Newcastle upon Tyne, NE27 9DG for specified Section 77 loan requests. Bank of Scotland and Lloyds Bank are both members of Lloyds Banking Group.
What does PLSC – S77s mean?
PLSC appears to refer to the Personal Loan Service Centre, based on a first-party Lloyds customer-service response. “S77s” appears to be a routing reference for work connected with Section 77 requests. The official forms use the initials without providing a full definition.
What is the postcode for PO Box 951 Newcastle upon Tyne?
The postcode printed in the official Lloyds Bank and Bank of Scotland forms is NE27 9DG. Third-party references to NE99 should not replace the postcode given in the primary bank documents.
Is a letter from PO Box 951 Newcastle upon Tyne genuine?
The address is genuinely used in official bank documents, but that does not authenticate an individual letter. Check the sender through the bank’s official app, website, a trusted telephone number or the FCA Firm Checker before providing information or making a payment.
What is the difference between PO Box 951 and PO Box 952?
Lloyds’ downloadable form shows PO Box 951, while its live personal-information webpage currently shows PO Box 952 for the same stated category of Section 77 loan request. The published sources do not explain the difference, so customers should ask the bank which address currently applies to their request.
Editorial note: This article was researched and reviewed on 24 July 2026 using official information from Lloyds Bank, Bank of Scotland, Lloyds Banking Group, UK legislation, the Financial Conduct Authority, the Information Commissioner’s Office and Royal Mail.
The appearance of a legitimate PO Box on a letter does not, by itself, prove that the individual communication is genuine. Unexpected correspondence should be verified using contact details obtained independently from the bank’s official website, mobile application, bank card or the FCA Firm Checker.
This article provides general informational content and should not be treated as personalised legal, financial or fraud-investigation advice.
