For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


BFL Solutions Debt – Should You Pay? 2022


For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Who are BFL Solutions and should you pay them? You might be getting chased by this company for a payment and don’t know where to turn or if you should pay. If this rings true, you’ve come to the right place. 

We provide the key details on BFL Solutions and reveal some of your options if you’ve received a scary letter. Don’t delay or you could make things worse! 

Beating Debt Collectors

There are several ways to deal with BFL Solutions debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Who are BFL Solutions?

BFL Solutions is a debt collection company also called a debt collection agency. They work to recover unpaid accounts and arrears on behalf of other companies. It can be difficult to find information about BFL Solutions because they don’t have a website. But they’re a legitimate debt collector working on behalf of other businesses for a fee or commission. 

BFL Solutions will try to track debtors by searching their latest address and contact information. They will use this information to ask for payments or threaten legal action. Online reviews are divided on whether they are good at their job. Some businesses claim to have gotten their money back, while others say using BFL Solutions hasn’t worked.

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Who do BFL Solutions chase debts for?

BFL Solutions may chase all types of debts, depending on what businesses get in touch to use their debt collection services. However, judging by some of their online reviews, they frequently work to chase unpaid nursery and school fees. 

Recent BFL Solutions reviews

The reviews of BFL Solutions online are from businesses using their services and from debtors. Like most debt collection agencies, the debtors don’t usually have nice things to say about the company. Even some businesses have been frustrated at the lack of results. 

Here is a snapshot of two recent BFL Solutions reviews:

“I have been with BFL Solutions for the last 5 years.  Over that space of time, they have collected numerous accounts from me. Some accounts they collected in full straight away and others were collected over a period of time.  Depending on people’s circumstances some outstanding accounts take longer than others.”

  • Donna W (Google review)

“Foul company with foul staff. Unprofessional fraudsters. If you are contacted regarding a debt DO NOT pay a penny until you have verified it. They will try to bully and threaten you – you have rights, debt or not!”

  • Gemini Jay (Google review)

The latter review makes a good point. It’s important to get a debt verified before making a payment. Although, that doesn’t mean you can ignore BFL Solutions. We’ll come back to this later in our guide. 

Have you received a BFL Solutions debt letter?

You’re probably reading this post because you received a letter from BFL Solutions. They will send you a letter to ask for a full payment, and will likely encourage you to speak with them about payment plans if you can’t afford the full payment. 

Within these letters, it’s common to read about legal threats. They will state that their client may take court action if you don’t pay by a deadline. This makes these letters a Letter Before Action, which is a type of letter that must be sent before they can take you to court for unpaid arrears.

Can BFL Solutions take you to court?

 BFL Solutions won’t take you to court, but the business they’re chasing the debt for might. There is no way of knowing if the business will decide to take you to court over the arrears. Some businesses may want to get the money back and be willing to go to court, whereas others may not have an appetite for court action and the expense. 

Sometimes  BFL Solutions will suggest that their client is ready to take you to court. But this is just a tactic to scare you into paying. You can never be sure whether legal threats are real or fake, so it’s best to assume they’re genuine. 

If they were to take you to court, a judge could make the debt enforceable, which could lead to bailiffs and an even bigger debt to pay. 

Should you pay a BFL Solutions debt?

Unless  BFL Solutions has provided you with proof you owe the debt, you don’t need to pay after receiving a Letter Before Action. But you also shouldn’t ignore the letter and any threats. 

Here’s what you should do if you’ve received a Letter Before Action from  BFL Solutions…

Ask BFL Solutions to prove you owe the debt

You can ask BFL Solutions to prove you owe the money. This can be done with a simple letter that requests evidence of the debt and states you won’t be making a payment until they provide this. Evidence usually constitutes a copy of an agreement you signed when suitable. 

This is a good way to reply if:

  1. You want to avoid paying as they may not supply proof
  2. You want to buy yourself some time
  3. You think they have the wrong person

You should not request evidence if they have already sent it, or if your debt is statute barred, which is when the debt is too old to be collected

Keep copies of your request in case you’re taken to court in the future. 

What if BFL Solutions proves your debt?

If  BFL Solutions replies to your letter with proof you owe the money they’re asking for, you should consider paying to avoid possible legal action. Assuming they won’t take you to court is a risk and could cause you more expense in the long run. Remember that they are likely to listen to a payment plan if you can’t pay all of the money at once. 

More BFL Solutions debt help

Learn all of your rights when fighting back against ​​BFL Solutions at our debt help centre. And consider using debt charities for personalised guidance.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring