If you have debts of over £5000, you may be able to write off your debt with an IVA
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Who are BPO Collections?
BPO Collections Ltd are a legitimate debt collection company with a company number of SC295285. They are based in Ayrshire, but cover the whole of Scotland and work with clients across the UK. They are authorised by the Financial Conduct Authority for the accounts they handle that fall under the Consumer Credit Act.
BPO Collections act as a debt collection service on behalf of a number of blue chip clients across the country, including:
- Virgin Media
- Talk Talk
Why are BPO Collections contacting me?
If you are receiving calls, text messages, letter and home visits from BPO Collections, it’s likely because they have purchased a debt from an organisation that you owe money to. For example, it could relate to a credit agreement with a lender such as a credit card company, a payday loan or unpaid taxes with HMRC.
If you do not recognise the debt referenced in your debt letter, then you can ask BPO Collections for proof that their debt claims are in relation to a liability in your name. For example, with a credit account, it is reasonable to ask for a credit agreement that has your signature and an agreement to make payments.
BPO Collections may ask you to prove your identity, if the debt actually belongs to someone else who previously resided at your address. Even with the help of a Court Order, they can not seize property unless it belongs to the debtor.
Will BPO come to my house to collect debts?
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?
Bailiffs from BPO Collections have permission to force entry into your property if they are collecting specific types of debt, including:
- Income tax
- Stamp duty
- Criminal fine
While the firm have the right to force entry, even without the owner present, they must only use reasonable force. As a guide, this generally means hiring a locksmith, rather than breaking down your door. Once inside, they will focus on seizing high-value objects to sell and repay your debt balance.
In other debt situations, the usual rules that apply to bailiff visits are:
- the times they visit are limited to between 9 pm and 6 am
- they can only enter through your door
- they can’t enter if only children or vulnerable adults are present.
We recommend that you do not let things escalate this stage with BPO Collections. Call us on freephone 0330 1228447, and where possible, we will deal with BPO Collections for you.
How will BPO Collections chase me if I don’t pay? What is the process of collections?
Creditors such as BPO Collections use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They usually follow a debt process which will make them the most profit. These methods can come across as aggressive, and you may have seen TV shows and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues: intimidation.
BPO Collections may first reach out an introductory phone call and letter after purchasing your debt. This communication stage sets out their pre-action protocol. You will usually receive a debt letter explaining the total amount of debt owed, any charges and penalties which may have built up, along with a tight timeframe for you to repay the debt in full; this is often only seven days. The letter will usually mention what steps will happen if you do not pay the debt in full. These next steps are generally:
- A home visit
- A county court judgement (CCJ), issued by BPO Collections Limited if you fail to repay the debt within this tight deadline
- A threat of bankruptcy (usually if the debt is over £750)
Letters like this are very standard with every credit provider and not just BPO Collections. It is important not to take these letters personally. There is help at hand, but you should act quickly.
BPO Collections may be persistent with phone calls. Phone calls are an effective method of collection for creditors as they recruit advisors who feel able to apply pressure (to sometimes vulnerable) customers.
The main phone line that BPO Collections will call from is 0141 375 0900. But as we said previously in this page, BPO Collections may regularly use different numbers to call you from. This strategy enables them to get a higher success rate, known as a contact rate, when calling debtors. If you do receive a call like this from BPO Collections Limited, it is essential to keep calm and level-headed.
If BPO Collections have contacted you, contact us immediately, and we will try to deal with them for you.
How can we help?
When you first contact us, you will notice that all of our employees have significant experience in dealing with creditors such as BPO Collections Limited. As one of the largest debt websites in the United Kingdom, we pride ourselves on dealing with a high amount of debt-related cases in a caring, effective and speedy manner.
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.
If you are worried about BPO Collections, you should contact us immediately by calling the freephone details on top of this page, or by clicking “Get Started for Free”.If you act fast, we may be able to deal with BPO Collections for you.
How can I contact BPO Collections Ltd?
If BPO Collections contact you to chase payment, then you are welcome to call us, and we’ll do our best to deal with them on your behalf or point you in the right direction.
Alternatively, if you’d like to speak to them directly, here is their contact information;
- Email address: email@example.com
- Telephone: 0141 375 0958 (they have two numbers but the other is for specific organisations)
- Letter: BPO Collections Ltd, Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA
- BPO Collections Website address: https://www.bpocollections.co.uk/
BPO Collections Frequently Asked Questions
What happens if I ignore my debts with BPO collections?
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.
Can I write off my debts with BPO Collections Ltd?
It may be possible to write off any debts that you have with BPO Collections if you have a total of five thousand pounds or more of unsecured debts. Your total debt can include bank loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.
Who do BPO Collections Ltd collect for?
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.
How can I pay BPO Collections?
BPO Collections Ltd accept payment in the following ways:
- Debit card
- Direct debit
- Standing order
- Online banking
- Lump sum settlement
- Payment plan
- Part payment
Is BPO Collections Ltd a legitimate company?
Yes, BPO Collection is a legitimate collections company registered in Scotland, with a registered office at Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA.
What if I have a complaint about BPO Collections Ltd?
If you have complaints about BPO Collections, you can contact the Complaints Team through the following details:
- Email: firstname.lastname@example.org
- Phone: 0141 375 0900
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:
- Website: https://www.financial-ombudsman.org.uk/consumers/how-to-complain
- Post: The Financial Ombudsman Service Exchange Tower, London E14 9SR
- Email: email@example.com
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’.
DO BPO Collections work with HMRC?
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.
Where can I go if I need debt help?
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.
We take the time to understand your circumstances and will do everything our power to support you. If you are experiencing issues with payment demands from BPO Collections, call us today, and we’ll work you to get the best option and outcome.
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
- 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.
How can I access my credit file?
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.
What is BPO Collections’ company registration number?
BPO Collections has its company registration in Scotland under the registration number SC 295285.
Will BPO Collections add additional interest or charges to my debt?
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.
Can BPO Collections discuss my debt with other people?
Who is Graham Rankin?
According to Linked In at the time of writing, Graham Rankin is the CEO of BPO Collections.
How long will a County Court Judgment stay on my credit file?
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.
What is a statute barred debt?
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.
What is the Consumer Credit Sourcebook?
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.
What company is BPO? Who is BPO? What is BPO Glasgow? BPO Manchester?
BPO Collections Ltd is a debt collections agency that is registered in Scotland and authorised and regulated by the Financial Conduct Authority.
Who are Jefferson Capital International Acquisition?
Jefferson Capital are a debt recovery company that work with creditors and national debt purchaser