There's A Fair Chance You Might Not Need To Make A Payment To BPO Collections Debt Collectors
Are you a victim of BPO Collections? Receiving numerous calls from multiple numbers to your home phone, work phone and mobile, on top of SMS messages requesting you to arrange a call-back?
BPO Collections take a hard line stance that debts accrued must be repaid, regardless whether they can legally pursue the debt or not.
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How they attempt to recover debt accrued from years back is through a rigorous campaign of what could only be described as psychological torture for those unfortunate enough to have an aged default account land on the desk of a recovery agent at BPO. Pay them in instalments, and you can expect to be harassed to pay them even more with the aim of repaying it faster. Debt that you may not even legitimately owe!
Like many other debt collection agencies, BPO is known to conduct harassment campaigns and use intimidation tactics threatening to send door collectors around to your property, despite having no powers to collect at all!
Whether you're dealing with BPO Collections' doorstep shenanigans, being harassed with over a half dozen calls per day, across multiple numbers, receiving strongly worded letters of demand every week and being frustrated with the clarity over where the alleged debts originated… there are ways to put an end to BPO Collections harassment to chase payments and turn the tables to DEMAND that they CEASE their victimisation campaign against you.
Who is BPO?
BPO Collections LTD, formerly BPOPay(.co.uk) are a debt recovery service / debt collection agency. In a debt recovery capacity, they're only licensed to collect debt and not administer debt collection for their clients. In other words, if they say you owe money, your debt has been sold to this company.
Not every debt BPO Collections Limited chase is legitimate. They have been known to trace customers for debts to be paid that's been outstanding for over a decade. When this happens, it's what's called statute-barred debt, which should be dropped from your credit file after six years of no account activity.
List of Creditors Associated with BPO Collections Limited
BPO Collections are also one of eleven debt collection agencies used by the HMRC. In instances when the HMRC has referred your account to a private third-party, the HMRC will provide you with a written notice stating which company they passed your account to for collections with instructions to make payment arrangements with them directly.
HMRC debts can be more serious; however, BPO collections can only be instructed to recover debts, but they can only make payment arrangements with the debtor to repay the money owed. They do not, as a private contractor, have any extra powers so threats of using "seizure of goods", do not have merit as only the court can grant those powers and in such cases, it will be with a certified bailiff service which BPO Collections LTD are not.
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Can BPO Collections Send Bailiffs To Your Door?
No! BPO has very limited capabilities and in no way have the power the enforce the seizure of goods. They can conduct home visits but have no legal right to step inside a property without being invited. Even if invited, they are not permitted to remove goods.
Only certified Bailiff officers acting on behalf of the local court have the power to use the "seizure of goods" to recover unpaid debts that are valid, as in under six years old. Beyond that time period, assuming there's been no account activity in relation to debt admissions or partial payments acknowledging the debt, it becomes statute-barred in which case, it becomes legally unrecoverable.
Despite having no legal recourse to collect on the debts purchased, BPO Collections LTD will continue to press for payment in the hopes they can wear you down into paying.
What Can BPO Collections LTD Actually Do?
File a claim with your local courthouse for the recovery of monies legitimately owed. There is a possibility that the court could award a County Court Judgement, but for that to happen, BPO do need to prove the debt is legitimate, and this is where things get confusing with legalities and why customers often feel berated into paying debts to a third-party collection agency that they never entered into a contract with for goods or services.
The first introduction to BPO and companies like these are the debt letters and calls demanding payment for goods or services purchased from another firm. In most cases, the name of the company is unknown until you demand they prove the debt is yours.
Two things usually happen when you first encounter a letter of demand or respond to their tracing phone calls. 1) They ramp up on intimidation correspondence either by phone or mail once they confirm they've reached the right person. 2) Depending on the amount owed and the legality of the debt, they may decide to file a claim in court to apply for a County Court Judgement (CCJ).
When BPO Collections intend to file for a CCJ, there are clear rules they need to follow. One of those is to provide a notice of default in writing, giving you at least 14-days to respond. BPO is licensed by the FCA for debt collections, and FCA requirements for collections to be compliant with the Consumer Credit Act 1974, section 86A (CCA, s86a), requires collections companies to provide you with a copy of an Arrears Information Sheet.
The written notice providing you with 14-days must give practical advice on what you can do to prevent action being taken against you. Failing to reply to these can mean the court awards in their favour, but even if that does happen, there are recourses such as asking the court to "set aside" the debt if you dispute the amount of the debt.
Every debt collections company preys on people not knowing the legal system. The fear of a court awarding a judgement against you is what these companies use to manipulate people into paying. While they may be able to go down that road, in some instances they cannot.
What you should be vigilant of are claim forms that look like they're from the court when they're not.
These forms request information about your income and expenses. In cases where you admit to the money being owed, it's claim form N9A the court asks you to complete which has a section for income and expenses. This is for the court to get an understanding of how much you should be able to affordably repay on monthly payments.
BPO Collections LTD cannot force you to provide them with income and expenses information. Those are your personal financial details, and you do not have to disclose this information to a private debt collection agency. Only the court can ask you to divulge your income and outgoings, and you will be given at least 14-days prior notice of BPO Collections intending to file a claim with the court.
The vast majority of letters from BPO Glasgow are veiled threats of initiating legal proceedings against you. Threat letters can (mostly) be ignored, but court letters cannot because there is a fast time restraint of 14-days and if you do not reply to court requests for information within that fast time period, they will award against you.
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How to Check if You Really Owe the Money BPO Collections Claim You Do
When it comes to payment collections, BPO has little to no regard in the legality of outstanding balances.
Statute barred or not, they will expect you to pay the money they claim you owe, regardless how long ago it was.
Any debt BPO Collections claim you owe best to be verified by yourself before entering into discussions to avoid inaccurate information being filed with the credit reference agencies, such as Experian as those are difficult to have corrected and will impact your ability to obtain credit and the rate of interest new lenders offer.
As BPO Collections have a reputation for attempting to recover statute barred debt, whatever they claim you owe needs to be verified. For a debt to be recoverable, it needs to be less than six years old, and upon request, BPO debt collection must provide you with an original copy of your signed Consumer Credit Agreement.
The FCA requires debt collectors to prove the debt is owed by the person being pursued, because there have been instances of mis-tracing, which is when a debt collection agency traces the wrong person, such as someone with the same name.
Without proof of debt owed, it can result in customers being pressured into agreeing to repayment plans that would not be legally recoverable in a court of law. The most widely used threat, both in writing and during telephone conversations is the threat of court action that "may" result in a County Court Judgement being issued against you. Emphasis on the word "may".
BPO Collections Ltd Need To Know Info:
Calls for BPO collections originate from a Glasgow call centre that uses multiple caller line identity numbers that start with the Glasgow area code 0141. A partial list of the most frequently used telephone numbers are listed below. If you are receiving multiple calls per day, block each number below to reduce the number of times, collection agents, acting on behalf of BPO reach you on the phone.