The written notice providing you with 14-days must give practical advice on what you can do to prevent action being taken against you. 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. One of those is to provide a notice of default in writing, giving you at least 14-days to respond. When BPO Collections intend to file for a CCJ, there are clear rules they need to follow. 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). 1) They ramp up on intimidation correspondence either by phone or mail once they confirm they've reached the right person.

Two things usually happen when you first encounter a letter of demand or respond to their tracing phone calls. In most cases, the name of the company is unknown until you demand they prove the debt is yours. 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. 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. What Can BPO Collections LTD Actually Do?įile a claim with your local courthouse for the recovery of monies legitimately owed. 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.ĭespite 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. 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. Even if invited, they are not permitted to remove goods. They can conduct home visits but have no legal right to step inside a property without being invited. No! BPO has very limited capabilities and in no way have the power the enforce the seizure of goods. 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. 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! Debt that you may not even legitimately owe! Pay them in instalments, and you can expect to be harassed to pay them even more with the aim of repaying it faster. 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.

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