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BPO Collections

·2589 words·13 mins

Do you owe money to BPO Collections?
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Who are BPO Collections?
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BPO Collections Ltd is a legitimate debt collection company. Their company number is SC295285, and they’re based in Ayrshire, Scotland. They’re authorised by the Financial Conduct Authority (FCA) for debts that fall under the Consumer Credit Act.

They collect debt on behalf of well-known UK companies, including Virgin Media, NPower, TalkTalk, Barclaycard, and the AA.

Do you need to let them in?

No. BPO Collections are not bailiffs. They don’t have the right to enter your home, and you don’t have to let them in—no matter what they say. If they’ve contacted you, get in touch with us first. We understand how these companies work, and we can deal with them for you.

BPO Collections contact details
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If you need to contact BPO Collections, you can reach them at:

Keep a record of any letters or calls you receive. If you’re unsure what to do next, speak to a debt adviser. You don’t have to face this alone.

Stop BPO Collections: Instantly for Free
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Do you owe money to BPO Collections? BPO Debt Collections is a debt collection agency that specialises in recovering unpaid debts on behalf of clients, such as banks or utility companies.

Understanding BPO Collections
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BPO Collections is a debt collection agency that specialises in recovering unpaid debts on behalf of its clients. The company is authorised and regulated by the Financial Conduct Authority (FCA) and is committed to adhering to the Consumer Credit Act.

This means that BPO Collections operates within the legal framework designed to protect consumers, ensuring that all debt recovery practices are fair and transparent. As a debt collection agency, BPO Collections works diligently to recover debts while providing support and guidance to those struggling with their financial obligations.

Why are BPO Collections contacting me?
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If you’re getting calls, texts, letters, or home visits from BPO Collections, it likely means they’ve taken over a debt from a company you owed money to. This could be from a credit card, a loan, or unpaid tax.

Banks and lenders often sell debts to agencies like BPO. Once they buy the debt, they take over the job of collecting it.

Don’t recognise the debt?

You have the right to ask for proof. BPO must show that the debt is in your name. For credit accounts, you can ask for a copy of the signed agreement.

If the debt is for someone who used to live at your address, they might ask you to confirm who you are so they can update their records. Even with a court order, they can’t take anything that doesn’t belong to the person named on the debt.

What does BPO actually do?

BPO Collections works on behalf of companies to recover unpaid debts. They also say they offer debt advice and help set up payment plans. But remember—they work for the creditor, not for you.

If you’re struggling or not sure what to do, it’s best to speak with an independent debt adviser. They’ll give you clear, unbiased advice that puts your needs first.

Why are debt collectors calling me?

If BPO—or any debt collector—is trying to contact you, it’s because a company you owe has asked them to collect the debt. It’s important not to ignore these calls, even if it feels overwhelming. Ignoring the problem can make things worse.

Get the facts. Check the details. And if you’re not sure, ask for help. You’re not alone in this.

Will Resolve Call come to my house to collect debts?

Resolve Call is a debt collection agency. They may send field agents to visit your home if you don’t respond to their letters or calls. These visits can feel intrusive and upsetting—but they’re not bailiffs, and they can’t take anything from your home.

In some cases, they add charges for these visits, which can increase the total amount you owe.

It’s important to know that you don’t have to face them on your own. If you’re feeling stressed or unsure what to do, you can ask a debt adviser to speak to them for you.

We’ve helped many people deal with Resolve Call and other agencies. If you’re being contacted and need support, get in touch. We’ll help you understand your rights and make a plan that works for you.

Understand Debt Collection
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Debt collection is the process of recovering unpaid debts on behalf of creditors. Debt collection agencies like BPO Collections play a crucial role in this process, working with creditors to recover debts and providing debt management solutions to individuals and businesses. These agencies use various methods to contact debtors and negotiate repayment plans, ensuring that the recovery process is as efficient and fair as possible.

Consumer Credit Act and debt recovery
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The Consumer Credit Act is a UK law that regulates consumer credit agreements and protects individuals who borrow money or acquire goods and services on credit. Debt collection agencies like BPO Collections must adhere to the Consumer Credit Act when recovering debts, ensuring that they treat debtors fairly and transparently.

If you are struggling with debt, it is essential to understand your rights under the Consumer Credit Act and seek advice from a debt management company or financial advisor. Knowing your rights can help you navigate the debt recovery process more effectively and ensure that you are treated fairly by debt collection agencies.

Will BPO come to my house to collect debts?
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BPO Collections Limited may have appointed field agents to make home visits to discuss your alleged debt account and a repayment arrangement. These visits can be very distressing not only for the person who is the named debtor, but for every family member. These methods can have a detrimental effect on your mental and physical health, and the people around you.

These are all common tactics which BPO Collections Limited use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue until they receive a payment they are happy to accept as payment in full or a settlement.

As a long-established independent debt website, we have a vast experience of dealing with creditors such as BPO Collections. We understand the tactics that they use, and we can work with you to get them to stop. Don’t despair; there is always something that you can do.

Can BPO Collections force entry into my home?
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BPO Collections use computer systems to track and manage accounts. Once they’ve bought a debt, they follow a set process to recover it—usually starting with a phone call or letter.

The first letter you receive will outline how much you owe, any added charges, and a deadline to pay—often just seven days. It will also explain what could happen next if you don’t respond.

This can include:

  • A home visit

  • A County Court Judgment (CCJ)

  • A threat of bankruptcy (if the debt is over £750)

How can we help?
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We request reviews from every single customer who we help. Some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a short space of time). So please check out these reviews and see for yourself!

We deal with a variety of debt solutions and a wide range of debt companies. This strategy means that you will always find the best debt solution for yourself, without exception. As we have no ties to any one particular company, we can work hard to ensure you repay the very minimum that you need to.

How can I contact BPO Collections Ltd?
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Alternatively, if you’d like to speak to them directly, here is their contact information;

Testimonials
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“Thanks so much to Ethan & Matt for guiding me through the initial process. They were professional, informative and highly supportive.““Good advice and very helpful.““Very helpful and supportive of my situation no judging talked me through the process very professional.”

BPO Collections Frequently Asked Questions
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If you ignore your debts with BPO Collections, they won’t go away. The situation and their actions will escalate.

BPO Collections may make a court claim for a charging order against you. Court claims are an affordable and popular manner for them to reclaim the rest of their money. If they choose this method, you will receive a claim form through the post, and you would either have to pay the money in full or dispute the bill. If you dispute the bill against BPO Collections, you should take legal advice, as a lot of defences will not work as justification not to make a payment in this situation.

It may be possible to any debts that you have with BPO Collections if you have a total of five thousand pounds or more of unsecured debts. Formal debt solutions are available in the UK to help individuals manage serious debt, providing protection from creditors and professional guidance in selecting the most suitable options for financial relief. Your total debt can include bank loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.

BPO Collections are a collections agency; this means that they can buy debts from a number of sources and legally pursue them. Some of the most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.

BPO pay a fraction of the total debt amount to the creditor organisations they purchase from. Any more they collect during the collections process, beyond the cost of the debt and BPO’s operating costs, is profit.

BPO Collections Ltd accept payment in the following ways:

  • Debit card
  • Direct debit
  • Standing order
  • BACS
  • Online banking
  • Cheque
  • Lump sum settlement
  • Payment plan
  • Part payment
  • BPOpay

Yes, BPO Collection is a legitimate collections company registered in Scotland, with a registered office at Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA.

If you have complaints about BPO Collections, you can contact the Complaints Team through the following details:

We recommend that you keep a copy of the details and the evidence that you send BPO Collections. You can expect a final response within four weeks of your initial contact.

If you are not happy with the answer that BPO Collections have given you, you can escalate the investigation of your complaint to the Financial Ombudsman Service (FOS). Their contact details are:

When you do not know a named individual to address your letter to, it’s fine to start your note to BPO Collections or the FOS with ‘Dear Sir/Madam’.

Yes at the time of writing, BPO Collections are one of the debt collection agencies that HMRC list on their website. As an HMRC debt collection agency, they can pursue you for unpaid tax liability, such as income tax.

At IVA Advice, we pride ourselves on the number of people we have helped through difficulty, harassment and bailiff visits. We help them understand their options and find a way forward.

There are also numerous charities and independent organisations that you can call on for assistance or to ask a debt question, such as:

  • Citizens Advice Bureau (CAB)
  • National Debtline in England, Scotland and Wales
  • StepChange Debt Charity
  • PayPlan
  • Money Advice Service

It’s a sad fact that despite changes in the law and lending practices, debt still has a negative impact on millions of people. These bodies will help you to understand the rules and guidelines surrounding the debt industry and they provide free debt advice.

One of the first things you should do when trying to regain control in a debt situation, is to calculate your income and expenditure, for example, what you need for food, rent, transport, and utility bills. This approach will help you, the borrower, to understand what repayments will be affordable.

When faced with debt, you have the choice to do nothing, fight it alone or make a change and work with a debt advice organisation.

You can access your credit report through a credit referencing agency such as Experian, Equifax or TransUnion. Your credit report should show your current debts and contain details of any defaults, late payments and County Court Judgments (CCJs). Lenders use this information and other factors as a basis of what credit to offer you. The fact that so many debt agencies like BPO Collections exist shows that this is not a perfect process.

BPO Collections has its company registration in Scotland under the registration number SC 295285.

According to the BPO Collections website, they will not add additional charges because their focus is on recovering the amount you agreed to in the Terms and Conditions of the contract they believed you signed with their client. After buying the debt, a BPO Collections agent will make it their job to make a profit on your case, by recovering more than they paid. As a last resort, if you do not communicate with them, they may decide they have grounds to put your case through the courts. As a debt recovery business, BPO Collection are focussed on the best way to make a profit.

BPO Collections should operate in line with a privacy policy that means they do not discuss your debt with your family members, friends, neighbours, or another party, even if they pick up your phone to answer a call from BPO Collections.

According to Linked In at the time of writing, Graham Rankin is the CEO of BPO Collections.

If you pay a CCJ in full within 30 days of when the court issues it, then it will not appear on your credit report. After the time that this course of action passes, the CCJ confirmation will remain on your credit report for six years, even if you repay it. Lenders will consider this information if you hope and try to apply for credit within this period, and it’s likely to impact your chances of acceptance negatively.

If a creditor takes too long in their investigations or forgets to follow up on a debt scheme, then a debt can become ‘statute barred’, which in Scotland means the creditor can no longer do anything to recover it. In simple terms, the debt is written off. The rules vary in England, Wales and Northern Ireland, and here the creditor may still be able to take action at a later stage depending on the type of debt.

You may need legal advice if you believe that BPO Collections are chasing you for a debt that is statute barred.

The Consumer Credit Sourcebook is a specialist set of rules relating to regulated credit activities, such as loans, credit cards and debt-related services. You can access this resource through the navigation or search section on the FCA’s website. It’s a very long document.

If you have questions about your rights when dealing with debt agencies such as BPO Collections, you can contact IVA Advice or a debt charity for more accessible guidance and support.

BPO Collections Ltd is a debt collections agency that is registered in Scotland and authorised and regulated by the Financial Conduct Authority.

Jefferson Capital are a debt recovery company that work with creditors and national debt purchaser