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BPO Collections Limited - Should I Make Payment?

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Who are BPO Collections?

BPO Collections are a debt recovery company based in Aryshire, Scotland, though they operate across the UK. They work on behalf of finance companies and purchase credit accounts from Scottish Power, First Utility, and they also collect payments for HMRC. So, if you have unresolved debts, you may receive contact from BPO Collections regarding payment for a variety of matters such debt owed to HMRC, unpaid phone or broadband bills, and credit card debt amongst other types.

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Why are BPO Collections calling me?

If you have received a phone call from BPO Collections, this may be because your original lender has sold your debt onto them as a debt recovery agency. When this happens, it means that BPO Collections are now solely responsible for chasing and collecting the payments you are required to make.

What can BPO Collections do to take action?

When interacting with a debt collection firm, you may notice that they are more thorough in chasing payment. This is because companies like BPO Collections specialise in this area, with a team of professionals dedicated to receiving the outstanding balance. This may mean that you receive numerous letters and phone calls whilst they are chasing you.

If you are being contacted by BPO Collections and feel that they are putting you under more pressure, you should be aware that they are still under certain legal obligations according to the code of practice established by the Credit Services Association (CSA). These rules require that they must adhere to the same requirements of the original lender when collecting payment.

If you continue to ignore their attempts at communication, debt collectors can introduce legal action such as a court order or sending a debt collection agent to your house. Their legal abilities extend to introducing an Earnings Arrestment against you, where payments will be deducted from your wages or the funds that you have in your savings account. It is recommended that you act as soon as possible to avoid these measures taking place.

Addressing the situation can be both the most difficult and important step if you find yourself being chased by a debt collection agency. There is help available if you cannot afford to pay your debts, at Scotland Debt Solutions our team of highly experienced advisors are here to support you. Once you have reached out to one of our advisors, they can take over negotiations with BPO Collections to free you from stress.

Should I make a payment to BPO Collections?

After BPO Collections have purchased your debt from a company, the amount owed in this debt now belongs to them instead of the original lender. Therefore, any payments made to settle the debt should be addressed to BPO Collections instead of the previous company you owed money towards.

It is important to note that before you make a payment to BPO Collections, you should first ask them to confirm that you indeed owe the amount of money they are requesting from you. According to their guidelines, debt collection companies are legally obliged to provide sufficient evidence of your debt being accurate and valid.

Once you have confirmed the payment being made to them is valid, it is advised that you attempt to settle the debt if you are able to do so. This will instantly bring an end to the risk of further costs being added to your debt through fees, interest, or charges and end further phone calls or letters from BPO Collections.

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What if I cannot afford to pay BPO Collections?

If you are unable to pay BPO Collections, try to remain collected and calm to explain your current circumstances to them. They may offer alternative arrangements such as a negotiated payment plan which will settle the amount owed over time.

If you do join into negotiations with a debt collection agency to form a payment plan then you should be conscious of any financial commitments which you may have, such as rent payments, council tax, or other bills. It is important that you do not find yourself struggling to pay towards these because of your repayment plan with your debt collector. A helpful way of managing your upcoming payments is through creating a budget plan to organise costs. 

What can I do if I am being chased by BPO Collections?

If you find yourself being chased to make a payment by BPO Collections for a debt which you are struggling to manage, or by another debt collector for any type of unresolved payment then our team are here to guide you at Scotland Debt Solutions.

You will receive support from a specialist advisor who will find out more about your current situation, and then help decide the best path to take moving forward. From this point onwards, your advisor will manage interactions with BPO Collections to ease you from pressure.

To get in touch with one of our qualified advisors today, contact the team at Scotland Debt Solutions on 0141 326 0417.

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Just some of the issues we can help you with

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The Team

Meet our qualified Scottish based team

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Chelsea Williams Thomas Mckay Kelly Jones Tannock1


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