Do you owe money to BPO Collections?

If you have debts of over £5000, you may be able to write off your debt with an IVA

Who are BPO Collections? Who is BPO?

BPO Collections Limited is a debt collection company that works on behalf of a number of blue chip clients across the UK, and is registered in Scotland. BPO Collections is led by CEO, Graham Rankin.

They are members of the Credit Services Association (CSA) and authorised and regulated by the Financial Conduct Authority (FCA).

If you’ve received messages from BPO, do not ignore them.

BPO collections

Are BPO Collections a genuine debt collection business?

Yes, BPO Collections Ltd is a legitimate company that is registered in Scotland under the following details:

  • Company Registration Number: SC 295285
  • Registered Office: Marina Quay, Dock Road, Ardrossan, Ayrshire, Scotland, KA22 8DA

BPO Collections Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for the elements of its business that come under the Consumer Credit Act 1974.

Why did BPO Collections contact me?

BPO Collections Ltd make contact with clients who have debts with the companies they collect for such as:

  • SKY
  • AA
  • Talk Talk
  • Barclaycard
  • Littlewoods Finance
  • Virgin Media
  • Npower

We recommend that you do not ignore communications from BPO Collections because your debt issues may escalate. You can contact our team for help and support on 0800 233 5753 or by clicking ‘Get Started For Free’.

What if I don’t owe BPO Collections the money they are chasing me for?

If you would like to dispute a debt in your name that BPO Collection is chasing you for, you can ask them to provide evidence that the debt belongs to you. For example, you can ask for them to send you a credit agreement with your signature on it, or other proof.

If BPO Collections are chasing another debtor, but they have your address details, you should let them know straight away. They may ask you to provide ID to prove your identity, and proof of address before they will remove your address from their collection database. It is likely that the debtor did not inform their creditor about a change in their address, and he or she may have changed their contact number.

BPO Repossession

Should I contact BPO Collections Ltd?

Generally, the worse thing that you can do with debt collection agencies like BPO Collections is to ignore them as their recovery actions will become more serious.

If you are not comfortable contacting an agent from BPO Collections, and you have debts of £5,000 or more, we may be able to help by dealing with the collectors for you. Click ‘Get Started For Free’ to share the details of your situation and see if we can help. We’ll look across a number of debt solution providers to find a way for you to repay the minimum amount possible, in an affordable way.

We support all of our clients in a professional and respectful manner and help them to regain control of their lives.

How can I contact BPO Collections Ltd?

You can reach the company in the following ways:

If you’d like support to deal with debt collectors like BPO Collections Ltd, you can call us on 0800 233 5753.

Should I pay BPO Collections?

BPO collections are debt recovery specialists.

If you recognise the debt that BPO Collections is chasing you for, then the quickest way to get this recovery company out of your life is to make a payment in full on your debt, if you have the finances to do this. Otherwise you can speak to them about the possibility of a payment plan for your debt.

If you ignore their communications and do not repay your debt, then BPO Collections may take you to court to secure a County Court Judgement (CCJ). This court order forces you to take the legal responsibility for your debt. If you do not repay it in full within 30 days, it will stay on your credit file for six years and negatively impact your credit rating.

After BPO Collections have secured a CCJ, they are likely to organise for bailiffs, now known as enforcement agents, to make home visits and possibly to seize your possessions to repay your debt.

If you’re struggling to pay BPO Collections and other creditors, click ‘Get Started For Free’ to understand the options available to you.

BPO Collections Bailiff

How should I make a payment to BPO Collections?

You can make a payment to BPO Collections through the following methods:

  • Online banking
  • Debit card
  • Direct debit
  • BACs
  • Standing order
  • Postal order
  • Cheque
  • Bankers draft

Will BPO Collections add charges and interest to my debt account?

No. According to their website, BPO Collections do not in fact add penalties, charges and interest to their debtors’ accounts.

Will BPO Collections take me to court?

BPO Collections may make a court claim against you in certain circumstances, including if:

  • You have not replied to their communications, for example, the debt letter they sent you at the start of the debt collection process
  • You have not agreed on a debt repayment agreement.

Initially BPO Collections may approach the court for a County Court Judgement to force you to take legal responsibility for your debt. A CCJ has serious consequences and will stay on your credit report for six years unless you make a payment in full within 30 days. Lenders search your credit report through credit referencing agencies such as Experian, when you apply for credit.

After securing a CCJ, BPO Collections may take a variety of actions against you, depending on the situation such as:

  • A charging order to secure your debt against items of your property
  • An attachment of earnings order to enable them to take money directly from your salary
  • A third-party debt order to take the money directly from your bank account

Don’t let your debt situation with BPO Collections escalate to this stage. You can contact us to connect with free debt advice on 0800 233 5753. We understand the guidelines that debt companies need to follow and will be happy to answer any question that we can help you with at this time.

BPO at door

Can BPO Collections force entry?

The rules on whether debt collectors such as BPO Collections can force entry depends on the type of debts they are recovering. BPO Collections can force entry as a last resort in the following circumstances:

  • When they are collecting debt for HMRC such as income tax
  • If they collect Magistrates court fines
  • If you have failed to meet the terms of a Controlled Goods Agreement and they are returning to seize your property and sell it at public auction as a means of payment for your debt.

In general, forcing entry means using the services of a locksmith and not breaking down the door.

If you owe money to BPO Collections and other creditors you can reach out for our support by clicking ‘Get Started For Free’ in the table of contents of our website.

Where can I get free advice about my debts with BPO Collections?

There are a number of consumer debt organisations that offer support to individuals who are struggling with debt, such as the Citizens Advice Bureau and the Money Advice Service.

At IVA Online, our team of experts offer assistance to anyone who is in a difficult situation with debt. We do not have an affiliation with any specific debt solution company, so we are able to look across the market to find the options that give each of our customers the best outcome, which usually means, the opportunity that sees them making the lowest repayment.

Is there a way to repay less than I owe to BPO Collections?

As a collections agency, BPO Collections Ltd will focus on extracting the maximum amount of money from you that they can. That’s why they tend to be so persistent in writing letters, making phone calls and visits. If you have strong negotiation skills, you may be able to convince them to accept a settlement offer if you can afford to pay a lump sum that constitutes part of your debt. However, they do not have to accept this offer.

Alternatively, if you owe money to two or more creditors and your total unsecured debts are £5,000 or more, you may qualify for an Individual Voluntary Arrangement (IVA).

BPO celebrating

What is an IVA?

An IVA is an official agreement that you make with the support of an Insolvency Practitioner (IP). The IP will help you to list out your income and expenditure to calculate what is an affordable monthly debt payment for you.

The Insolvency Practitioner will then work to get acceptance from creditors that represent at least 75% of your total debt amount, to agree to this IVA request. Once approved, you will make those payments for around a five-year timeframe, and at the end of this period, your creditors will write off your remaining debt balance. The chances are that it could still be a substantial section of the money.

What debts can I include in an IVA?

You’re able to include your debts with BPO Collections Ltd plus any additional unsecured debts such as:

  • Benefit overpayments
  • Payday loans
  • Credit cards
  • Parking fines
  • Overdrafts
  • An unpaid utility bill
  • Unpaid rent

How can I tell if I qualify for an IVA?

To find out more about IVAs and to see if you qualify, contact us by clicking ‘Get Started For Free’ or make a phone call to 0800 233 5753.

BPO Money debt

What rights do I have when dealing with BPO Collections?

BPO Collections may use a range of tactics when collecting your debt, which can make it feel like an intimidating process. The Government has changed some of the rules in recent years so that collectors are less aggressive when they collect a payment. However, we still hear many horror stories from the people who approach us for help.

You have a number of rights when a debt collection company, such as BPO Collections, is chasing you for money:

  • They can not speak to your friends, neighbours or another family member about your debt as this would be a violation of the Data Protection Act
  • You can ask them only to use one communication method such as writing letters rather than regularly calling your phone numbers
  • BPO Collections can not claim to have powers in relation to the debt collection process that they do not have
  • BPO Collections can not create documents that appear to be official court documents if they are not
  • BPO Collections bailiffs, also known as enforcement agents, can not enter if only children are present
  • They can’t visit you between 9 pm and 6 am
  • They can’t push past you
  • A bailiff can’t use physical violence, verbal threats, or harassment tactics during steps to collect your debt

If you have questions about what power BPO Collections have or a tactic they are using, you can contact our team for support by clicking ‘Get Started For Free’ or on freephone number 0800 233 5753. We may be able to deal with BPO Collections for you.

Can I make a complaint about BPO Collections?

Yes, in the first instance, you should raise your complaint directly with BPO Collections through one of the following contact details:

  • Postal Address: BPO Collections Ltd Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA
  • Telephone: 0141 375 0900
  • Email: complaints@bpomail.co.uk

It’s fine to start your complaint letter with Dear Sir/Madam, as you don’t know the name of the person who will read your message.

We recommend that you keep a copy of anything that you send to BPO in writing just in case you need to share the details with another organisation.

What if BPO Collections don’t handle my complaint well?

If you are not happy with the final response that you receive from BPO Collections, then you can escalate it to other bodies.

If your debt relates to a product that comes with a credit agreement, such as one with a credit card company, you can escalate your BPO Collections complaint to the Financial Ombudsman Service (FOS)

  • Email: complaint.info@financial-ombudsman.org.uk
  • Post: Financial Ombudsman Service, Exchange Tower, London E14 9SR
  • Telephone: 0800 023 4567
  • Website: www.financial-ombudsman.org.uk

BPO Collections are also a member of the Credit Services Association (CSA), and this body will sometimes act as a mediator for unhappy clients. You can contact the CSA in the following ways:

  • Phone: 0191 217 0775
  • Email: complaints@csa-uk.com
  • Postal Address: Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
  • Website: www.csa-uk.com
Bailiff at door

How will BPO Collections use my data?

BPO Collections must comply with the Data Protection Act. They can only use your data in the ways that are necessary when performing debt collection activities. You can read more details in their privacy policy which you will find in their website navigation.

What is the process of collections?

The exact collection methods BPO Collections use will depend on the type of debt they are collecting, whether BPO pay another company for a debt portfolio or they are collecting on behalf of a client such as HMRC.

Typically the collection process will include the following steps:

  • BPO Collections will send you notice of the debt that they are now collecting. This letter confirms the original organisation that you owed money to. The message will also state any interest rate that is being applied to your account and the conditions for its payment. The document normally gives a short period, such as seven days for you to make contact and make a full repayment.
  • They may then try to make contact by phone call or text multiple times.
  • If you do not respond, they may send an agent to visit you at home to discuss your debt, but these are typically not bailiffs, and you can ask them to leave.
  • If you continue to fail to respond, BPO Collections may seek court action such as CCJ to force you to take responsibility for your debt by law. A CCJ will enable them to send an enforcement agent to organise repayment or to sign a Controlled Goods Agreement. With HMRC debt, this step is not required.
  • If you then fail to meet the terms of the Controlled Goods Agreement the bailiffs may, as a last resort, force entry without your permission to seize your goods for sale at public auction.

We recommend that you do not give BPO Collections grounds to escalate their recovery process to legal action. Contact us for guidance as early as possible in the process by calling us on freephone 0800 233 5753 or clicking ‘Get Started For Free’ in the top right-hand side of the page.

How do BPO Collections make money from me?

BPO Collections may earn fees or commission on the debt that they collect on behalf of other companies when operating as a debt recovery company.

Alternatively, as a debt collection agency, they may have the opportunity to purchase debts from other companies. In this case, BPOpay a fraction of the cost of the debt portfolio and they will make a profit whenever they can collect more through their collection tactics than they paid for the debt, minus their collection costs. When you sign a credit agreement, it often contains terms and conditions that give the lender a legal basis to sell on your debt or have another organisation collect it.

We understand the negative effect that being chased by debt collectors can have on someone. Though you can feel helpless and like there is nothing you can do, in our experience, there is always something you can do to improve your situation; you may have a lot of options. Feel free to contact us by clicking ‘Get Started For Free’ and we’ll do everything in our power to point you towards the best course of action to get your financial matters back on track.

Will BPO Collections petition for my bankruptcy?

If you don’t communicate with BPO Collections or agree on a repayment plan that they are happy with, they may take steps to make you bankrupt, but only if they believe that this is the best way to recover money from you. Quite often, the debtors who reach a stage of bankruptcy have decided that this is the best option for them as well.

If you are facing debt issues, seek support as early on as possible so that you have more choice in the action you take to deal with your creditor or creditors. For example, if you have debts of over £5,000, you could consider applying for an IVA, which could allow you to keep your house and a car of moderate value.

Click ‘Get Started For Free’ to get in touch with our team and understand the rest of your options. Please note that we do not have an affiliation with any debt management company. We complete investigations across the entire debt support market to find the best option for each customer; typically one that sees them repaying the minimum amount possible. We make it our job to help you to find a way out of financial difficulty with BPO Collections.

We know how frightening it can be to deal with demands from a lender or recovery firm like BPO Collections. In our experience, finding the right support provides hope and eases the stress and pressure.

Do HMRC work with BPO Collections?

BPO Collections conduct debt recovery services for HMRC. For example, they work with debtors to organise a repayment arrangement for council tax, parking fines and benefit scheme overpayments.

If you owe money to HMRC and BPO Collections are chasing you for repayments, we would be happy to support you with free debt help and information. You can get in touch by clicking ‘Get Started For Free’. This short form helps us to conduct an investigation into the different options you have for your debt situation and guide you to the best option for you.

Is my debt too old for BPO Collections to chase me for?

By nature, debt collection agencies are persistent.

The Limitation Act of 1980 provides the details of how long a creditor can pursue a debt in England, Wales and Northern Ireland. In consumer debts cases, the typical rule is that the owner of the debt can not be chased after six years if:

  • The person who took out the debt liability has not acknowledged it in this period
  • The borrower has not made a repayment in this period
  • The debtor has not received a confirmation notice of any claims from the courts about this debt

In this case, the debt may be considered statute barred.

If you are in doubt about whether your debt with BPO Collections is collectable, you can check the details with a legal professional. You can then use their legal opinion as justification for why the debt can not be collected if BPO contact you on this debt matter.

What support can I expect from IVA Online?

At IVA Online, we pride ourselves on the number of people we have supported in turning their lives around, when faced with debt.

Every member of our team has an in-depth knowledge of the debt industry and the various options for getting your debts under control. We do not have an affiliation with any specific debt solution company so we can look across the market to find the best solution for your individual needs.

Contact us for free help and support by clicking ‘Get Started For Free’ or call us on 0800 233 5753.

What company is BPO? What is BPO SKY? BPO Glasgow? Manchester?

BPO Collections is a debt collection company with clients across the UK. They work in line with the consumer credit sourcebook, and Sky are one of their clients. 

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