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01413750900 – Who Called? Stop BPO Debt

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Mar 1st, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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01413750900 calling

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Feeling a bit lost after receiving a call from 01413750900? Wondering who they are and why they’re calling? You might be dealing with BPO, a debt collection company.

We know it may sound concerning, but we’re here to guide you through it. Every month, over 170,000 people come to our website for help with debt problems.

In this helpful guide, we’ll talk about:

  • Who is calling from 01413750900, and why might they be calling you
  • How to deal with BPO debt collectors
  • Ways to stop BPO debt collectors
  • What you can do if you can’t afford to pay the debt

We know what it’s like to have debt collectors calling, and we understand how it can make you feel, as research shows that 64% of people in the UK who are chased by debt collectors feel stressed1.

But don’t worry, there are ways to manage this. Let’s take a closer look at how to deal with calls from 01413750900.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why are you being called by 01413750900?

We have a more detailed article on BPO Collections, which you can find here.

BPO Collections could call you from several numbers. They are likely to be calling from 01413750900 for the following reasons:

  1. To collect payment – The primary focus of a follow-up call is for them to clearly outline your debt total and request that you pay it’s entirety by card payment over the phone.

    If you cannot pay the outstanding balance in full then often they will ask that you pay monthly instalments until the debt is cleared.
  2. To get more information – if you are unable to pay the debt completely, the next priority for BPO Collections is to request more information from you.

    This information will mainly consist of the reasons you are unable to pay, including the details of your income and living expenses, alongside any details that may help them recover the debt in the future.
  3. To intimidate you – When the letter sent by BPO fails to get you to pay, they will use a phone call to heap more pressure on you.

    They will often do this by exaggerating the timeline of what might happen if you continue to ignore your debt by threatening to visit you at home and take you to court to settle the debt.

The average unsecured debt has increased by 25% year-on-year, rising to £13,9412, which means that debt collectors aren’t going anywhere any time soon.

Typical Debt Collection Process

The more you know the better, so being aware of the debt collection timeline can help during this process.

Please check out this related article and take a look at the table below.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.


How to cope with BPO Collectors? 

We’ve written an in-depth guide about how to respond when BPO Collections contact you and ways that you deal with them in the article linked below:

BPO Collections – Pay or Ignore?

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Should you ignore 01413750900?

Long story short, no.

We always recommend responding to debt collectors – even just to question the debt’s validity. You have the right to request proof of the debt. They have to prove it or they can’t charge you.

You can watch this video to learn what the law allows debt collectors to do and what you can do to avoid exploitation by BPO: 

» TAKE ACTION NOW: Fill out the short debt form

BPO Collection Contact Details

Address: BPO Collections Ltd, Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA
Telephone: 0141 375 0958
Fax: 0141 762 3672
Opening Hours: Monday – Friday: 8am – 8pm
Saturday: 9am – 4pm
Email: [email protected]
Website: https://www.bpocollections.co.uk/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. InDebted Debt Collectors Survey.
  2. StepChange Statistics Yearbook, December 2022.
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.