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BPO Collections Debt – Should You Pay? 

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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.

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Janine
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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
· Feb 15th, 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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BPO Collections Debt Letter

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.

Ever received a surprise letter from BPO Collections and wondered where it came from? Or if it’s real? Or if you need to pay it?

You’re not alone. Each month, over 170,000 people visit our website seeking advice on debt problems. 

In this guide, we’ll cover: 

  • Understanding what BPO Collections Debt is.
  • Who BPO Debt Collections are and who they collect for.
  • If you can write off some BPO Collections debt.
  • How to handle a BPO Collections Ltd Debt Letter.
  • What other debt solutions exist.

Unfortunately, nearly half of the individuals who deal with debt collection agencies have experienced harassment or aggression1. So, we know that getting a debt letter can be confusing and scary.

But, with the right help, you can work out your options. Our aim is to give you clear and easy-to-understand information.

Let’s get started!

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.

Have You Received a BPO Collections Ltd Debt Letter?

BPO Debt Collections is likely to inform you about an outstanding debt in writing. They will send a letter to the address or person who they believe owes their client money.

These letters can come as a shock and cause severe anxiety. They will request payment to clear the debt on your account and may threaten court action if you do not pay or if you do not get back in touch to discuss repayment options. 

If you believe there is a mistake or that BPO has the wrong person (this can happen!), we have a trick you can use to make them realise the mistake for themselves. 

Read on to learn what it is!

Start by Requesting Proof of the Debt

Just because a debt collection agency states you owe their client money and they are writing to collect it doesn’t make them right. The onus to prove the debt is on them – not you! Most debt collection companies hope that debtors pay up quickly to avoid them putting in the hard yards.

But in fact, they must provide you with a copy of the agreement, which you did not stick to. In other words, they must provide proof of why you owe the debt, such as an unpaid utility agreement or an outstanding credit agreement.

Requesting proof is recommended even if you recognise the debt. If they can’t prove it there is no obligation for you to pay.

To request proof, send BPO Collections a letter asking for the full details of the debt and its origins (and keep the letter in case the case goes to court!). You can use my template letter to help you do this!

From my experience, the most common reason why people don’t have to pay the debt is because it is too old.

After 6 years (5 years in Scotland) have passed since your last payment or written acknowledgement of the debt, it is statute-barred. This means that the statute of limitations on a debt has been met, and there is no legal way for BPO or any debt collection company to force you to pay.

Keep in mind that some debts take longer to become statute-barred – like HMRC debts – and any debt that has had a County Court Judgement (CCJ) tied to it will always be enforceable.

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

What Alternatives Debt Solutions Exist?

You may be able to use a debt solution to get BPO off your back.

There are lots of different types of debt solutions available so I recommend that you speak to one of the above organisations. Their advisers can help you choose the best solution for your finances.

Here is a quick snapshot of some solutions that might help you:

Debt Management Plan (DMP)

A DMP is an informal debt solution where you negotiate with your creditors and agree on a repayment plan that is more affordable. You may even be able to freeze interest on your debts as part of the negotiation process.

Individual Voluntary Arrangement (IVA)

An IVA is a legally binding agreement between you and your creditors.

Once approved, an IVA usually lasts 5 years, and you will make one monthly payment for this period. This payment is distributed amongst your creditors by your IP. Any remaining debt is wiped off at the end of your IVA, and your creditors can’t contact you in any way during or after it is finished.

Keep in mind that an IVA is not for everyone – you must owe several thousand pounds to more than one creditor to qualify, and you must have some disposable income every month.

Trust Deed

IVAs are not available in Scotland, but the equivalent would be a Trust Deed.

After your Trust Deed application is approved, your creditors can’t contact you and you make a single payment that is distributed out towards your debts. Once your Trust Deed is over, your remaining debts are written off.

Debt Relief Order (DRO)

If you have some debt but little income and no valuable assets, you may qualify for a DRO.

Once your DRO application is approved, your interest is frozen, and you stop making payments to your creditors. This lasts for 12 months, at which point your finances are evaluated.

If there has been no improvement in your situation, your remaining debt may be written off.

Bankruptcy

Bankruptcy has a negative stigma, but it is often your only way of getting a fresh financial start if you owe a lot of money.

Keep in mind that it is a serious financial situation that should not be taken lightly, but you may be able to write off some of your debts.

Sequestration

In Scotland, you will need to apply for sequestration rather than bankruptcy.

If you have few assets, a Minimal Asset Process (MAP) may be more appropriate for you. A MAP is cheaper, more straightforward, and doesn’t last as long as sequestration.

» TAKE ACTION NOW: Fill out the short debt form

Can You Get BPO Debt Collections to Wipe the Debt?

Wiping some of your debt is not straightforward – but it is possible. 

You can use a debt solution which could write off your remaining debts at the end of their term. These are:

  • IVA
  • Trust Deed
  • DRO
  • Bankruptcy.

If you are thinking about a debt solution, I recommend that you speak to a debt charity for some free advice and debt counselling.

Another way to pay off some of your debt and get the rest wiped off by BPO Debt Collections is to make them a settlement offer.

This is when you offer to pay most of the money if they agree to wipe off what is remaining.  You can use my free letter template to give you some guidance.

BPO Collections advertise settlement offers on their website, which is good news. But keep in mind that BPO doesn’t have to accept your debt settlement negotiation! They can request that you pay 100% of your debt.

The not-so-great news is that a settlement agreement will show on your credit file as a debt that wasn’t completely paid off.

This means your credit file score can go down, and it can be harder to get credit in the future, including mortgages.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

How Can You Make A Complaint Against BPO Debt Collections?

Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.

You will first need to make your complaint to BPO to give them time to sort out your issues.

If you think that they have not dealt with your complaint properly or have ignored it, you can make a complaint to the Financial Ombudsman Service (FOS).

They will investigate your issues and BPO’s response. If they decide that your complaint can be upheld, BPO may be fined, and you may be owed some compensation.

Your Rights With Debt Collectors

Dealing with BPO Debt Collections can be scary and challenging. That’s why understanding your rights is vital when managing debts.

The table below offers a breakdown of what debt collectors are permitted and not permitted to do. If you’d like to learn more about your rights, be sure to read our detailed guide.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

Contact Info for BPO Debt Collections

Company Name:  BPO Collections Limited
Other Names:  BPO Collections
Phone number: 0141 375 0958
Fax: 0141 762 3672
Website:  www.bpocollections.co.uk 
Email:  [email protected]
Operating hours: Monday – Friday: 8am – 8pm
Saturday: 9am – 4pm
Address: Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA
Numbers BPO call from: 01413 750 925
01413 750 928
01413 750 991
01413 750 900

Will They Give Up Chasing?

After all that you might be wondering whether you can just wait it out and hope they stop chasing you.

Sadly, that’s probably not going to happen. Most debt collectors are persistent.

debt collector chased debt

Source: Moneysavingexpert

As you can see Robinson Way starting to chase a debtor mere days after their mortgage application and a full 12 years after the debt was originally chased.

Other agencies like Lowell Group, Portfolio Recovery and Cabot Financial are constantly being accused of buying Statute Barred debts and then chasing people for payment.

BPO Debt Collections FAQs

Do I need to pay BPO collections?
Yes and No. If you are certain the debt is yours and you can afford to pay then yes you do need to pay them. If the debt is not proven to be yours or it’s older than 6 years then you do not need to pay them.
Who are BPO Collections Ltd owned by?
Prospect Financial Europe Ehf – an Icelandic limited company – has significant control of the business.
What companies use BPO collections?
The companies that use BPO collection include: SKY, AA, Talk Talk, Barclaycard and many more…
Are BPO Collections Limited financially regulated?
BPO Collections Ltd is regulated by the Financial Conduct Authority with the registration number 712058. The business is in the name of Graham Rankin.
How can I pay BPO?
You can pay BPO by using a credit or debit card online or over the phone. They also offer online banking services and accept cheques.
Does BPO Collections Ltd work for HM Revenue and Customs?
BPO Collections Ltd is listed as being used by HMRC as of 2021. Once HMRC has passed a debt to BPO Collections Ltd you should contact BPO instead of HMRC.
What happens if you ignore debt recovery agencies?
If you choose to ignore a debt letter or refuse to pay, BPO could apply for a judge to enforce the debt. If you ignore the judge’s request to pay, you could then face bailiffs.
Will BPO Debt Collections take you to court?
Debt collectors will use legal action to recover payments most of the time. If the debt is insignificant, they may not. At court, they will hope the judge reviews the details of the case and issues a County Court Judgement, which is a court order for you to pay the debt owed.
What happens if I ignore a County Court Judgement (CCJ)?
Ignoring a County Court Judgement means ignoring a judge’s request for you to repay the debt. In such an event, the courts may grant permission for bailiffs to be used to repossess your valuable items. These will then be sold to pay off the debt.
Are BPO Collections bailiffs?
No, they are not bailiffs and do not have the same legal powers. If you ignore a County Court Judgement, they would have to employ bailiffs to come to your home.
Can BPO Collections Ltd come to your house?
BPO Collections might send field agents to your home, but you don’t have to talk to them or let them on your property. This is the case even if you have been issued with a County Court Judgement (they are not bailiffs!).
Will BPO Collections Ltd give up?
They will not give up chasing the debt until it becomes Statute Barred, usually six years after you went into debt or made the last payment on it.
Can a debt be too old to collect?
Statute Barred is the only time a debt becomes too old, which takes a minimum of six years. Sometimes a debt cannot become Statute Barred, such as if it has already had a CCJ issued on in the past.
How do I contact BPO Collections Ltd?
BPO Collections Ltd have two different phone numbers, one dedicated to debts for specific organisations and one a general number. Neither of these numbers is a free number. The website has a live chat feature you can use.
How do I pay BPO Collections Limited?
To make a payment to BPO Collections you can do so by making a phone call to their office or on their website. You will need your reference number and account information to hand. Common payment methods are accepted, including direct debit, credit card, debit card or bank account transfer. The number to call for payment over the phone is 0141 375 0900. More information about paying your BPO debt is available on their website. If they take payment from your bank account without your consent, you should report this to the Financial Ombudsman and the Financial Conduct Authority.
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.

References

  1. Indebted Debt Collection Survey

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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.
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