What's Included?
Who are BPO Collections?
BPO Collections are a debt collection agency that specialises in collecting unpaid debts. This agency works with creditors to resolve the outstanding financial obligations of individuals who are late or have defaulted on their payments. BPO Collections is an experienced debt collection agency with more than 25 years of experience in the business.
Will BPO come to my home to collect debts?
BPO Collections will typically not visit your home to collect a debt. Instead, the most common way for BPO Collections to contact you is by phone or postal mail. Sometimes, they may email you payment options and other details about your outstanding debt. They may even contact your employer for information about your wages and other assets.
BPO may employ field agents, who are hired to contact people in person or to perform repossession services if these measures become necessary. However, this is typically a last resort and will only occur when all other attempts to collect payment have been unsuccessful.
Can BPO Collections force entry into my home?
No, BPO Collections cannot force entry into your home. By law, debt collectors are not allowed to use threats or intimidation of any kind to collect a debt from an individual. This includes physically entering someone’s home without their permission, even if they owe money. If BPO Collections attempts to enter your home without your express permission, you can take legal action against them.
How can Credibble help me?
Dealing with debt can be overwhelming, especially when debt collectors or bailiffs get involved. Don’t panic! The Credibble Team is here to help. We can help you stop legal proceedings and reduce your debt for free.
We offer a smart debt tool to find all your main debts without searching through your paperwork. Our tool checks your debts against all the debt relief options you qualify for – so you know where you stand. Take the next step towards protecting your belongings and becoming debt free.
If you have received a letter or card from this debt collector, you can follow our two-step process:
Step 1: Use our smart debt tool to find all your debts and see if you qualify for a government-approved debt solution and;
Step 2: Request a call back to confirm all your options and agree on the most appropriate way to prevent legal action against you. Remember, all advice you receive is 100% free, and we aim to help you quickly and efficiently.
How can I contact BPO Collections Ltd?
You can contact BPO Collections Ltd. by phone, email or post. To ensure that your enquiry is handled quickly and effectively, providing all the relevant details regarding your account is important.
To contact them by phone, you can call their customer service line on 020 7449 6999. When calling, make sure to have your account number ready and be prepared to provide all the necessary information about your debt.
If you would rather contact BPO by email, you can write to helpdesk.bpo.uk@gmail.com. Alternatively, you can send a letter with your full details, including your name, address and account number, to their postal address.
Frequently Asked Questions about BPO Collections
What happens if I ignore my debts with BPO collections?
Ignoring your debts with BPO Collections can have serious consequences. If you ignore the debt, BPO may sue you in court to collect payment. The agency may also report your delinquency to national credit bureaus, making it difficult for you to obtain credit until the debt is paid off.
Additionally, if the debt is not paid off within a certain time frame, BPO Collections may employ field agents to take further action. This could include repossessing your property or garnishing your wages.
Can I write off all my debts with BPO Collections Ltd?
It is possible to write off your debts with BPO Collections Ltd. if you can prove that the debt has become “statute-barred”, which means that it is so old that legally, the company can no longer chase you for payment. To be eligible for a write-off, the debt must have been written off by the original creditor, transferred to a collection agency more than six years ago, and no payment has been made within that period.
Who do BPO Collections Ltd collect debt for?
BPO Collections Ltd is a debt collection agency that works for lenders, creditors, and business owners to collect unpaid debts. They specialise in collecting consumer debt from individuals, businesses, government agencies, and financial institutions. BPO’s services include negotiating payment plans with the debtor and helping the creditor secure their loan or debt repayment. They can also take legal action against those who refuse to pay their debts.
How can I pay BPO Collections?
Paying BPO Collections Ltd. is easy, as they provide a range of payment methods and plans to suit different budgets and requirements.
The most convenient payment method is by Direct Debit, which allows you to set up a fixed amount to be paid each month from your bank account. BPO Collections also accept payments via debit and credit cards, cheques, and electronic transfers. Additionally, you can pay by cash at a local PayPoint outlet.
Finally, the company also operates an online payment system for those wanting to pay quickly and securely over the internet. You simply need to create an account with BPO Collections Ltd. to use this service.
Is BPO Collections Ltd a legitimate company?
BPO Collections Ltd is a legitimate and trusted debt collection agency that has been in operation since 2000. They are an officially registered company, and their services are approved by the Financial Conduct Authority (FCA). BPO Collections Ltd have a long-standing relationship with creditors, businesses, and lenders and has established itself as one of the most reliable debt collection companies in the UK.
Making a complaint about BPO Collections Ltd
Several options are available if you have a complaint about BPO Collections Ltd. Firstly, you should contact the company directly and provide them with your full details and the details of your complaint. You can do this by calling their customer service line on 020 7449 6999 or by emailing helpdesk.ukcollections@bpo.com
Alternatively, you can formally complain by submitting an online claim form to the Financial Ombudsman Service (FOS). The FOS is an independent third-party body resolving disputes between lenders and borrowers. You can find out more information about the process at www.financial-ombudsman.org.uk.
Do BPO Collections work with HMRC?
BPO Collections Ltd is a debt collection agency that works with HMRC to help recover unpaid tax payments. This can include income tax, National Insurance contributions, and Corporation tax, among others. BPO Collections will contact the debtor on behalf of HMRC and attempt to negotiate an agreeable repayment plan. If the debtor does not respond or is unwilling to pay, BPO Collections may take further legal action.
Where can I go if I need debt help?
If you are struggling with debt, several services are available to help. Credit Counselling Agencies provide free advice and guidance on debt-related issues and can help people manage their debts and create viable budgets. Alternatively, most banks offer free debt management services for struggling customers. Financial advisors or debt consultants can also help in this situation and offer practical advice on budgeting and debt repayment options.
Finally, it is important to remember that you are not alone in this situation. There are numerous charities such as StepChange, and The Money Advice Service that provide free advice and support for people dealing with unmanageable debts.
What is BPO Collections’ company registration number?
BPO Collections Ltd is a legally registered company in the UK and is authorised to operate by the Financial Conduct Authority (FCA). Their company registration number is 05203768, and their registered office address is 4th Floor, 1 London Wall Place, London, EC2Y 5EB.
Will BPO Collections add additional interest or charges to my debt?
BPO Collections can add interest and charges, as specified in their agreement with you. This will be clearly outlined in your contract, so it is important to read through the details carefully before entering into any agreement with them. These interest rates can range from 0.25% up to 10%, depending on the amount owed and the time it has gone unpaid. In certain cases, the agency may waive or reduce interest charges if a payment plan is agreed upon.
Can BPO Collections discuss my debt with other people?
As a legally registered company in the UK, BPO Collections Ltd are bound by the rules and regulations of the Financial Conduct Authority (FCA). By law, they cannot discuss an individual’s debt with any third party without written consent from the debtor. This means they cannot contact family members, employers or acquaintances without your permission. They can, however, contact you via mail or telephone to discuss repayment options and other aspects of the debt.
Who is Graham Rankin?
Graham Rankin is the Chief Executive Officer of BPO Collections Ltd.
How long will a County Court Judgment stay on my credit file?
A County Court Judgment (CCJ) is a court order which requires a debtor to repay an unpaid debt. Once the CCJ is registered with the courts, it is recorded on the debtor’s credit file and will remain there for six years from the date of the judgment. This means that for six years, lenders can view the CCJ on your credit report when assessing an application for any form of credit.
It is important to note that a County Court Judgement can be removed from your credit file if it is paid in full within one month of being issued or if the debt has been settled and a Certificate of Satisfaction has received by the court.
What is a statute-barred debt?
A statute-barred debt is a debt which is no longer legally enforceable due to the length of time that has passed since it was incurred. This type of debt will still appear on the debtor’s credit report and can hurt the individual’s credit rating, but the creditor cannot take legal action to collect the debt. The statute of limitations for debts in the UK varies depending on the type of debt but is typically 6 years from the date of last payment or contact.
It is important to note that even though a statute-barred debt can no longer be enforced by law, some creditors may still attempt to recover it. It is, therefore, important to be aware of your legal rights and seek advice if you are contacted by a creditor about an old debt.
What is the Consumer Credit Sourcebook?
The Consumer Credit Sourcebook (CCS) is a set of guidelines issued by the Financial Conduct Authority (FCA) to regulate UK lenders and debt collectors. It sets out standards for how firms should conduct their business, including criteria for assessing the affordability and creditworthiness of customers, responsible lending practices and handling customer complaints.
The CCS also outlines the rights of both debtors and creditors, such as how to contact each other, make complaints about service and when information can be shared. It is important for both individuals and businesses to ensure they are following the regulations set out in the CCS when dealing with debt collection.
By understanding your rights as outlined in the CCS, you can help to ensure that BPO Collections Ltd is following the correct procedures when dealing with your debt. This can also give you peace of mind and potentially save a lot of stress in the long run.
