BPO Collections Debt Collectors

BPO Collections is a debt collection agency set up in 2006. Regulated by the Financial Services Authority (FSA,) they are also members of the Credit Services Association (CSA).

Who are BPO Collections?

BPO Collections is a debt collection agency set up in 2006. Regulated by the Financial Services Authority (FSA,) they are also members of the Credit Services Association (CSA).

Are BPO Collections legitimate?

Yes, individuals, businesses and organisations such as HMRC use them to collect debts.

I’ve had a debt letter or call from BPO Collections. What should I do next?

The first thing is to establish that the debt is yours. Ask BPO to state the name of the company you borrowed from and the exact amount owed.

It might be a good idea to ask BPO for 30 days of breathing space. This would allow you time to confirm that you take responsibility for the debt, and seek advice on how to proceed.

Why are BPO Collections chasing me?

A company has a debt owed in your name and has instructed BPO to collect this debt from you. This will happen if you miss payments, are unresponsive when chased for payment or if there is a debt in your name that you are unaware of.

Who do BPO Collections collect for?

BPO Collections collect for companies such as Sky, BT, Talk Talk, Barclaycard and British Gas. They also collect unpaid tax and tax credit overpayments for HMRC.

Should I ignore BPO Collections’ letters or calls?

No, if you ignore them, BPO will eventually take further action, such as applying for a County Court Judgement (CCJ) against you. This will affect your credit score and will allow BPO to start adding interest to the debt.

Can I stop BPO Collections from contacting me?

You are entitled to ask BPO to use only one method of contacting you. If you ask that they only contact you by letter, this will give you time to consider your responses and how to manage their requests.

Should I pay BPO Collections the money I owe?

If you are sure that the debt is yours, the next step is to establish your liability. If the debt is more than six years old, you may not be liable if you haven’t recognised that the debt is yours in writing and you haven’t previously admitted liability, for instance by making a payment.

If you can afford to repay the debt, you should, but if you create an unaffordable payment plan, you risk more liability. Always take advice as you set this up and don’t allow BPO to pressure you into increasing the payments if you can’t afford to do so.

Is my debt to BPO Collections debt statute-barred?

If the creditor has taken too long to collect an unsecured debt, usually within six years, it may be statute-barred and unenforceable by law. This does not mean that the debt no longer exists, and if the creditor or company has successfully filed a CCJ against you, the debt can be collected at any time.

The onus is always on BPO to prove that you owe the debt, not for you to prove to them that you don’t. If you are positive that the debt is statute-barred, you should write to BPO to inform them. Use our Letter Writing service for help to composing a suitable response.

Money owed to the government, such as income tax, council tax and benefit overpayments, can be collected differently, and so the six-year rule does not apply to these debts.

I can’t afford to pay BPO Collections. What now?

If you are in financial difficulty, tell BPO immediately. You could ask them to pause action against you while you seek advice. If you are worried or feel under pressure, use our AI chatbot to obtain advice on the best course of action.

What action can BPO Collections take?

Creditors and debt collection agencies have the same powers. Neither are bailiffs and do not have the power to enter your home uninvited or remove goods. The only in-person action they can take is to knock on your door and ask you to pay. You do not have to make a payment on the spot if this happens, and you shouldn’t be pressured to do so.

Could my BPO Collections debts mean that I lose my home?

Secured loans and mortgage debt can result in losing your home if you fail to keep up repayments.

Unsecured debt is less likely to reach this point, but in theory, if you already had a CCJ, the creditor could apply for a Charging Order if you failed to keep up repayments.

Can I write off my BPO Collections debts?

In exceptional circumstances, debt may be written off. If you genuinely have no savings, assets or income, it may be possible to convince the agency that this situation would not improve in the future.

How do I make a complaint about BPO Collections?

If you feel that you have been treated unfairly, report this to BPO Collections at complaints@bpomail.co.uk or by calling 0141 375 0900

What is BPO’s collection process?

Once you have acknowledged and accepted the debt, BPO offers a range of repayment options. Always seek advice from a third party such as DebtBuffer before negotiating a payment plan. BPO can answer questions about the debt and your account, but should not advise you on managing debt.

Are BPO Collections bailiffs?

No – BPO is a debt collection agency. This means that unlike bailiffs, they do not have the power to force entry to your home and remove goods.

DebtBuffer is here to assist you in achieving debt freedom. Explore our site for more information on how to manage personal debt and ensure that you are treated fairly throughout the process. Get expert help in writing letters to create time and space to resolve debt issues. Our AI chatbot can assess your situation by asking questions and telling you which solutions will help you to take back control of your life and money.

This article was written by: