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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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.

How Debt Buffer Helps

Debt Harm

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

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Deft Letter

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

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Deft Easy

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

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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.

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.

WHY PAY MORE?

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.

Are you ready?

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