Who is bpo collections

BPO Collections work with local councils to collect this type of debt too. Yes, they are a legitimate company. They are authorised and regulated by the Financial Conduct Authority , and are part of the Credit Services Association. They are registered on Companies House with reference number SC If you are being contacted by BPO Collections Limited, they believe you owe one of their clients money.

Initially, you will receive debt letters in which they will request payment for an outstanding debt. You may also receive phone calls. In this correspondence, it is typical for a debt collector to threaten to apply for a court order against you if you ignore them.

Like other companies specialising in debt collection, field agents are sometimes employed to visit you at home and discuss your debt. These agents will also offer to agree a repayment arrangement with you. These debt collectors are different from bailiffs. They cannot force entry into your home, and they legally have to leave if you ask them to. The best thing to do is immediately send BPO Collections a letter asking for proof that you are liable to pay.

You are not obligated to pay BPO Collections until they provide you with this written confirmation. Others buy "bad debts" that is, those that are unlikely to be repaid at a reduced cost, then undertake a collections process to reclaim the full debt back.

But if they prove that you do owe money, you should try to arrange a payment plan with them. If you believe they have no valid grounds for claiming money from you, you should contact BPO Collections for proof of your liability to pay.

They, not the customer, have the burden of proof. If they prove this to you but you still believe they are mistaken, you should seek legal advice.

Remember that you are not alone in this: there were more than double the complaints made to the Financial Ombudsman Service this year versus previous years. They must also stick to the Consumer Credit Act , which guarantees some form of protection for debtors.

This means, no debt collector can:. They must also provide you with prior warning should they come to visit your home. BPO can do whatever they feel is appropriate and within the law to recover outstanding debts. They can also, if you ignore their correspondence, apply for a County Court Judgement. If you refuse to pay, BPO Collection will need to take you to court if they wish to pursue the matter any further. The best course of action for dealing with BPO Collections will depend on your individual situation.

Factors affecting how you respond might include whether you can afford to pay what you owe, or if you dispute the fact that you owe the debt at all. In most cases, there are a few courses of action that you could take. These might include: paying BPO in full, making a part payment, agreeing to a payment plan, seeking to write off your debt by using an insolvency solution or alternatively disputing the fact that you owe money to BPO in the first instance.

On request, they should be able to confirm the source of your debt i. You can then double check any information provided them against your own personal records to make sure that you actually owe what they say you do. It is possible that BPO Collections could take you to court in order to make a claim against you. In most cases, any court action would see the company seeking a County Court Judgment formally confirming that you owe money to them or one of their clients.

Debt collectors are far more likely to work with debtors who communicate with them, and who show willingness to deal with any issues and pay off their outstanding debts. Ignoring the problem is unlikely to lead to a positive outcome. BPO could send a debt collector to your house if you fail to respond to their attempts to contact you.

If this happens, keep in mind that debt collectors and bailiffs are quite different, and the former cannot force their way into your property. For more information on this, read our explanation of bailiffs and debt collectors later in this guide. You do not have to let field agents into your property, but you can choose to invite them in yourself.

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Past performance is not an indicator of future results. You can also get free impartial debt advice by following this link to the Money Advice Service.

Bankruptcy Advice , IVA. Call Us Free: 36 88 Email: [email protected]. What Is A Statutory Demand? What Is The Official Receiver? What Happens To My Pension? BPO Collections.