The Ultimate Guide to BPO Collections

Debt. It can be an awful feeling, and even more so when a debt collection company such as ‘BPO Collections’ are hassling you with letters informing you of the money you owe to one of their clients.

Speaking to one of our debt advisors can help you to write off up to 85% of your debts.

You’re stress levels are most likely building higher as your letterbox is filling up with payment requests. If you have been demanded to deal with your debts, continue reading to learn everything you should know before accepting.

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Who are BPO Debt Collections?

The Ayrshire based debt recovery company, ‘BPO Collections Limited’, work for numerous big named UK clients, chasing unpaid debts. They began operating in 2006 and have been displaying different solutions for repayment plans to make your debt more affordable ever since.

Some plans BPO Collections offer:

  • Making a one-off payment
  • Set up an arrangement
  • A settlement offer

Despite the numerous payment plans BPO Collections have enforced, we strongly recommend getting in touch with a debt advisor before paying to ensure you know that you are paying correctly.

Who are BPO Collections clients?

BPO collects for many different Blue chip businesses very closely to ensure customers are satisfied with the most viable and affordable arrangements. Numerous companies BPO Collect for are big names that you recall, however, a few smaller companies such as catalogue providers are also BPO’s clients. Therefore, if you feel you are being chased up to repay your debts by a company you do not know- chances are you will know the company BPO are covering for!

Some businesses BPO work with:

  • DVSA
  • HMRC
  • First Utility
  • Scottish Power

Although BPO Collections ltd may chase you up to repay your debts from HMRC, for example, you will not be able to contact HMRC to repay and resolve your issues as it is now in the hands of BPO. I know, Frustrating, however learning about the legitimacy of the company can assure your confidence on repaying your debts.

Are BPO a legitimate company authorised and regulated in the UK?

BPO debt Collections ltd are definitely legitimate!

Take a look at some of BPO’s amazing credentials to assure their legitimacy:

  • Authorised and regulated by the Financial Conduct Authority
  • They adhere to the strict code of practice of the Consumer Credit Act 1974 (updated 2006)
  • Credit Association Membership (CSA)

This company also holds business awards from 2018 (Winner of the Consumer Award from the Ayrshire Retail Business Awards 2018) which can be viewed on their website, so you can check it out!

Why is a third party contacting me about debt collections?

You will be contacted from BPO Debt Collections with a letter regarding debt recovery when their client believes you owe them money. Letters from a third party can be very overwhelming when you are unsure of the debt you owe.

Being contacted by a third party is normally a last resort, so if you do not pay or get back in touch with BPO, they may threaten to take court action.

If you owe money, you should expect to hear from BPO very shortly.

How do I contact BPO Debt Collections ltd.

It is super easy to contact BPO and may prevent some outstanding anxiety when paying off your debts. The faster you pay off your debts, the less action they will try to take.

Contact information:

  • Phone 0141 375 0900 (you can find this on their website)
  • Email [email protected]
  • Address Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA

First things first, ensure you keep your letter (incase of any legal action taken)

It is a great idea to request proof of your debt because although you may have been told you owe money, they aren’t always correct!

BPO must provide you with an agreement to state why you owe the debt. If they can not provide you with proof of your debt- you have no obligation to pay.

 How do Debt collection agencies operate?

BPO Debt Collections ltd follow strict rules and pride themselves in professionalism at all times.

  • Firstly, you will be contacted via letter informing the person who owes their client money.
  • BPO will then send further letters, possibly threatening to visit your home.
  • They may then attempt to contact you via phone call
  • If their is no response, your case will be escalated further leading to possibly taking legal action in court.

What legal powers do BPO have over me?

As scary as it may seem to be getting chased up by a third party, BPO must abide by these following laws:

  • Aggression is prohibited when asking a debtor to pay.
  • Options must be provided to the debtor.
  • When negotiating a repayment agreement, they must consider the circumstances.
  • Empty legal threats must never be made.
  • They must never pretend to have powers they do not have.

Sometimes debt collection companies do not abide to their laws, in which case – complain!

Some behaviors that complaints are necessary for:

  • Giving away your debt details to others.
  • Repeatedly calling.
  • Putting pressure on you to pay.
  • Aggression.
  • Attempting to gain more money from you.
  • Telling lies about your debt.

What if I cant afford to pay back my debt?

No worries! Find the best solution for you. BPO have many different solutions that could be more suited to you.

Depending on many different situations, such as how much you earn, can determine which solution repayment plan would fit you best.

One popular way to pay back is through wiping your debt. The downside is that your credit file score will go down, however once your time frame is up, the remaining debt will be wiped!

If BPO provide you with proof of your debt and you can not afford to repay, contact a debt charity. Debt charities are brilliant at advising you on what to do.

Free debt charities to turn to:

  • Step Change
  • National Debtline
  • Business Debtline
  • Citizens Advice Bureau
  • Debt Support Trust Management
  • The Debt Advice Foundation
  • Christians Against Poverty

When explaining your situation, you could find a negotiation repayment plan that could help you to crawl out of your debt. If you are honest about your situation, BPO legally have to be understanding and try the best that they can to help you out. If you don’t feel like they have been very understanding, take some action and complain- it could help you out.

What if I can pay but wont pay?

If you have a debt, BPO will be contacting you and will continue until they take it to court.

Your letters and phone calls will be persistent as a constant reminder of your situation until you have settled your payment.

So, in simple terms, you will be made to pay back your money one way or another. You can not get away with not paying.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.

Debt Collectors

Before speaking and dealing with a debt recovery company we strongly advise you speak to the debt advisor and take the debt quiz.

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