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Who are BPO Collections?
BPO Collections Ltd are a debt recovery company based in Ayrshire, Scotland and has been established since 2006. They cover the whole of Scotland and also work with clients across the UK.
BPO collects a wide variety of debts, both for themselves and on behalf of other companies.
Their full company name is BPO Collections Ltd, registered office: Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA.
How to contact BPO Collections?
BPO Collections telephone number:
0141 375 0958
Telephone number for debts in relations to HMRC/DWP/DFC/NHS only:
0141 611 5401
BPO Collections postal address:
Marina Quay, Dock Road, Ardrossan, Ayrshire, KA22 8DA.
Can you help me deal with BPO Collections?
Yes. However, this does depend on the type of debt owed. Here at PennyPlan we specialise in helping people dealing with their debt problems. We offer a holistic approach to debt solutions and will only ever discuss options that are relevant to you based on your own financial circumstances.
We have helped many customers deal with debt collectors, including BPO. We guide our clients on their journey to get them the desired resolution, with some even writing off a percentage of the debt they owe.
Are BPO Collections legitimate?
Yes, BPO Collections is a regulated debt collection agency. They are authorised and regulated by the FCA (Financial Conduct Authority) to collect debts for themselves on behalf of their clients.
This means they must abide by all laws set out to credit providers in the UK. These rules establish the minimum standards that companies like JBPO must meet to be considered trustworthy debt collectors.
Who do BPO Collections collect debts for?
BPO collect debts on behalf of large finance companies, utility companies, private parking companies and HMRC. They have also been known to purchase debts from the creditors for a lower amount than the original debt, with the aim of collecting the full amount owed from the debtor.
Why are BPO Collections contacting me?
You will be receiving contact from BPO Collections as they will have either been instructed to collect a debt on behalf of a client they are representing, or they have purchased the debt from the original creditor, therefore this is now an outstanding debt owed to them directly.
Once BPO Collections owns the debt or has been instructed to collect this, they do have the right to contact you. This can often be a confusing time as you might not be familiar with the debt collectors company name.
If you are worried about dealing with BPO Collections, then let us help you with them. Click here now and we will get in touch with you straight away.
How will BPO Collections get in touch with me?
Typically, the first step BPO Collections will take is to send a letter to you stating that they are collecting money that you owe. If they do not get a response from, they will try to contact you by phone and might even send a ‘doorstop collector’ to your home to try and sort out a repayment plan with you.
If they still do not get a response, they often decide to apply to the court for a County Court Judgement (CCJ).
What should I do if BPO Collections are contacting me?
If BPO are contacting you, the first thing you should do is take impartial advice from a specialist in dealing with debt collectors like PennyPlan.
We will take you through a short telephone consultation to understand your situation from a neutral point of view, we can help you understand whether you are liable to pay the debt and help you understand what options you have to repay towards this debt, if you can afford it.
How to deal with BPO Collections?
Don’t ignore the problem as it won’t go away. If a debt collector like BPO Collections is involved the issue needs dealing with. The first thing to understand, is that you do actually owe the money you are being chased for. It is up to BPO Collections to prove that this is the case.
This should be proven by them providing the original credit agreement with your signature on it. You can request this either over the phone if you do decide to take their call or if you would rather not speak to them you can also send this request off in writing to them.
It is very important when you communicate with them if you do so by post, you should type your name instead of signing it. This is so you do not provide them with a new copy of your signature, and they can only provide this if they do have an original credit agreement proving you owe the debt.
If you do not owe the debt, you should receive communication from BPO to state they have dropped this claim against you and they will no longer be chasing you regarding this debt.
If you do genuinely owe the debt, then you should look at ways to pay it back and we can help you explore your options as there are a number of different ways to do so depending on eligibility.
Can BPO Collections take me to court?
The short answer to this question is yes, any debt collector can take you to court if you owe them money but there are strict legal processes in place which they must follow before it would ever get to that stage.
Initially, they are required to send you a warning letter, typically in the form of a default notice, to inform you of their intention to take legal action. It is crucial to take prompt action upon receiving a default notice to prevent the situation from escalating. A default can harm your credit score.
Once a default notice has been issued, and only after that, a debt collection agency can serve you with a claim form. Subsequently, a County Court Judgment (CCJ) may be issued against you, which will remain on your credit report for a duration of seven years.
We would always recommend getting in touch with the debt collector before it gets to this stage to see if you can deal with things before they escalate any further. We can help you deal with this process, and we can discuss which debt solutions can offer legal protection which will stop legal proceedings if they have not already too far gone.
The key part of this process is speaking with us as soon as possible to see what options you have. Click ‘Contact Us Now‘ below and we will give you a call to help you deal with this process.
Do HMRC use BPO Collections?
Does BPO Collections affect credit score?
A lot of clients ask us the same question. If you are being contacted by BPO this is because you have not kept up with your agreed repayments. Therefore, a single late or missed payment may impact your credit score in a negative manner as they can report this to credit reference agencies which will remain on your credit file for up to six years.
Although this will drag your credit score down, all hope is not lost. There are a number of things you can do over time to try to offset the impact this has. If you would like to discuss your options and talk about how we can help with a debt solution Click ‘Contact Us Now‘ below and we will give you a call.
Still unsure or want to know more?
That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.
At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.
So, get in touch today and start living better with PennyPlan.