BLS Collections

Received a letter or call from BLS Collections? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are BLS Collections?

BLS Collections is a UK debt collection agency based in Bristol. They collect debts on behalf of other companies, acting as agents for the original creditor.

They may contact you because:

• A company has hired them to collect a debt
• Your account has been passed to them for collection

FCA Registration: Authorised and regulated by the Financial Conduct Authority.

Contact Details

BLS Collections

5 Mead Court Cooper Road Thornbury Bristol BS35 3UW

Telephone: 01454 269191

Your Legal Rights

BLS Collections Must:

• Tell you who the original creditor is
• Provide proof of the debt if requested
• Treat you fairly under FCA regulations
• Accept reasonable payment offers

They Cannot:

• Harass you with excessive calls
• Contact you at unreasonable times
• Discuss your debt with others
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could escalate
2. Verify the debt - request proof
3. Check if statute barred - 6 years
4. Respond based on circumstances

Can BLS Collections Send Bailiffs?

No. They are debt collectors, not bailiffs. Cannot enter your property without a court judgment.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - Possible write-off of qualifying debt after completion. Check if you qualify.

Debt Relief Order - A formal option for England and Wales where qualifying debts may be written off after the DRO period if you meet the criteria.

How to respond to BLS Collections

If BLS Collections contacts you, start by checking whether the account is yours and whether the balance matches your own records. Ask for the original creditor name, account reference, date of default or assignment, and a written breakdown of the amount being requested.

If you recognise the debt but cannot afford the proposed payment, do not agree to a plan that leaves you short for rent, mortgage, council tax, utilities, food or travel. A realistic offer is usually safer than a payment promise that fails after one or two months.

Before you make a payment

Keep communication in writing where possible and save copies of letters, emails and payment proposals. If several collectors are contacting you at once, compare wider debt options before prioritising one account over the rest.

You may want to read the debt collector letter before action guide, compare IVA vs DMP, or check whether a Debt Relief Order may be more suitable if your income and assets are low.

If the debt is not yours

Tell the collector in writing that you dispute liability and ask them to pause collection while they investigate. Include only the information needed to identify the account, and keep a copy of anything you send. If the letters are for a previous resident, say so clearly and ask for your address to be removed from the account.

Sources checked

• FCA Register for consumer credit authorisation checks.
• Companies House for registered company details.
• Financial Ombudsman Service complaint guidance for escalation routes.
• GOV.UK debt options for formal debt solution context.