Do you have debt with BPO Collections?

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If you still owe money on an outstanding credit agreement, unpaid bill or loan, then that debt could be passed on to a debt collection agency.

BPO Collections is one such agency. If they’ve sent you a letter saying you owe them money, then it’s highly likely that you do.

This page is designed to answer your questions about who BPO Collections Ltd. are and what to do if they’ve sent you a letter or called you about the money you owe to one of their clients.

We can also help you if you feel as though their collection agents have mistreated you, that the debt doesn’t apply to you, or if the repayments they are asking you to pay are too high to cope with on your current income and financial commitments.

BPO Collections Ltd. contact details:

Company Name: BPO Collections Ltd.

Other Names: BPO, BPO Collections

Marina Quay
Dock Road
KA22 8DA

Main Contact Number(s): 0141 375 0958

Fax: 0141 762 3672



Opening hours:

Monday–Thursday: 8:00am–8:00pm
Friday: 8:00am–6:30pm
Saturday: 9:00am–1:00pm

Who are BPO Collections?

BPO Collections are a leading, well-known debt recovery company. They collect overdue accounts and bad debt for a variety of blue-chip clients across the UK.

Some of the businesses and organisations that they could be collecting debts for include:

  • HMRC
  • Npower and a host of utility providers
  • O2, EE and other mobile phone companies
  • Virgin Media
  • Catalogue credit accounts
  • Council tax arrears
  • Parking fines

They conform to the Credit Services Association Code of Practice and are regulated by the Financial Conduct Authority.

Why would BPO Collections contact you?

If a lender hasn’t got the available resources to chase a debt, it can be cost-effective for them to use an outside agency to do the work for them.

The debt collection agency they choose has the same powers as the original lender or provider. The main difference is that they exist to solely focus on collecting payment for the debt in question.

However, they often use much more direct methods to recover the money, which can include visits to your home. If you fail to contact them and make an attempt to resolve your account, they can also take you to court to recover what you owe.

Do you owe BPO Collections money?

BPO Collections should explain who they are working on behalf of or bought the debt from and how much money you have left to pay in their initial contact with you.

If you don’t believe the debt is yours, or that any of the details are incorrect, you must prove it to them to have the debt removed from your account.

How old is the debt they are collecting?

There are occasions where a debt expires and is no longer active. Debt collectors will be breaking the rules of the CSA Code of Practice if they choose to try and recover the debt.

These debts are known as statute-barred. The time limit is usually 6 years but can be only 5 years in Scotland. The time limit applies from the last payment you made towards the debt or the most recent written correspondence you had with your creditor where you accepted responsibility for the debt.

However, if your creditor has registered a County Court Judgement (CCJ) against you, the clock stops ticking, and you must take steps to deal with the debt.

Are BPO Collections treating you unfairly?

BPO Collections have a good reputation when it comes to dealing with clients, but there are exceptions when collection agencies fail to follow the rules or regulations they are bound by.

If you think any of the treatment you received was unfair or didn’t feel right, we can tell you where any of the regulations have been breached.

The FCA guidelines cover a wide range of topics designed to protect both parties.

  • Calling at unreasonable times
  • Taking payment without permission
  • Calling you at work after you’ve asked them to stop
  • Harassment
  • Demanding payments you can’t afford
  • Sending correspondence designed to look like court forms
  • Refusing to provide any information you’ve asked for
  • Adding unreasonable charges and excessive interest
  • Suggesting you take out additional credit to repay the money you owe

If you suspect you may have been subjected to any unacceptable or unfair behaviour, you may be entitled to compensation and it’s important to flag this as soon as possible.

Managing your debt

If there are any areas of the process that you are unsure of, or what your rights are, we can help. We work with companies like BPO every day and understand the best ways to help you get back on top of your financial situation.

You should never be expected to pay money that you can’t afford. A simple personal financial assessment will calculate what you should be expected to pay. This is the figure we can use to help you achieve a more manageable repayment schedule.

We have a vast wealth of expertise to help anyone get back on track after slipping into an unhealthy debt situation.

Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

*Talk About Debt is not associated with BPO Collection or any of the agencies in our debt collection agency and bailiff directory.