BPO Collections

What Types of Debt Does BPO Collections Deal With?

BPO Collections usually contacts people about unsecured debts. These are debts that are not linked to a property or vehicle and do not involve an asset being taken if payments are missed.

This can include:

• Credit card debt
• Store card debt
• Catalogue debt
• Payday loans
• Gambling-related debt
• Council tax arrears

This often includes borrowing or household accounts that have fallen behind and have been passed on by the original creditor. The balance may still be owned by the original lender, or it may have been sold to BPO Collections.

If you’re unsure what the debt relates to, you can ask BPO Collections to confirm who the original creditor is and provide a breakdown of the balance.

What BPO Collection Ltd is Allowed to Do

BPO Collections’ role is limited to contacting you about a debt and asking for payment. This usually involves letters, phone calls, or emails about the balance they are chasing.

They will often want to understand your circumstances and may suggest setting up a payment plan or ask you to repay the debt in full. Any arrangement you agree to is informal and does not give them extra authority.

They do not have the authority to take action themselves. Any further steps, like court proceedings, would have to come from the creditor and follow the proper legal process.

Can BPO Collections Collect Debts for HMRC or Is It a Scam?

HMRC lists BPO Collections Limited as one of the debt recovery companies it uses to recover unpaid tax and overpayments. This means contact from BPO Collections can be genuine in some cases.

If you’re unsure, you can check the legitimacy of anyone claiming to act for HMRC.

It’s sensible to confirm who they are acting for before discussing payment or sharing any personal details.

What If BPO Collections Comes to My Home or Workplace?

BPO Collections does not have the right to enter your home or visit your workplace. If someone acting for them turns up at your address, you do not have to speak to them or let them in, and you can ask them to leave.

They are also not allowed to contact your employer or discuss your debt with anyone else.

What Happens If I Don't Pay BPO Collections?

If you don’t pay BPO Collections, the debt does not go away. Contact is likely to continue through letters, phone calls, or emails.

If the balance remains unpaid, the creditor may decide to take further steps. This could include passing the account back to the original lender or moving towards court action. BPO Collections themselves cannot take this action, but they can report non-payment back to the creditor.

Dealing with the situation early usually leaves you with more options than ignoring it.

Can BPO Collections Keep Adding Interest or Repayment Charges?

BPO Collections does not usually add interest or charges themselves. Any interest applied comes from the original credit agreement or the creditor that owns the debt.

If interest is still being added, you can ask BPO Collections to confirm who owns the debt and explain how the balance is increasing.

Can I Deal With BPO Collections on Behalf of Someone Else?

Usually, BPO Debt Collections will only discuss a debt with the person named on the account. This is to protect personal and financial information.

However, if you need to speak to them on someone else’s behalf, you should speak to their customer support team to request a Form of Authority (FOA). This form must be completed by the customer or their legal guardian to authorise access to the account.

Without this, they should not share information about the debt with you.

What Happens If I Already Have a County Court Judgment?

If a County Court Judgment (CCJ) is already in place, BPO Collections may be involved in collecting the debt.

Even with a CCJ, they cannot take enforcement action themselves. Any further steps would still need to follow the proper legal process and involve court-appointed enforcement agents.

Clearing a Debt Collected by BPO Collections

When BPO Collections contacts you about an unpaid balance, there are usually two broad ways the debt can be dealt with. If your finances allow, you can clear the balance outright and bring the matter to a close. If that isn’t realistic, a formal debt solution may be more appropriate.

One option many people consider is an Individual Voluntary Arrangement (IVA).