BPO Collections for Sky – Warning Not To Ignore

If you’ve received letters from BPO about a debt to Sky, you may be feeling worried. That’s normal, and you’re not alone. Each month, over 12,000 people come to this site for guidance on debts. We’ll give you clear advice to handle this situation. In this article, we’ll explain:

• Who BPO Debt Collections Limited are.
• If they are a real business.
• How to lower your repayments.
• What to do if you keep getting messages from BPO.
• What happens when BPO Collections can’t prove the debt.

We understand that dealing with debt collectors can be scary, as some of our team have been in your shoes. They too know how hard it can be. But don’t worry; we have the answers you need. Let’s dive in and learn how to deal with BPO Collections, understand your legal rights, and find out what they can legally do.

Why do I keep getting messages from BPO?

Chances are that BPO collections keep messaging you because there’s an outstanding debt. You’ll continue to get messages until you respond to BPO. Moreover, you could face court action if you don’t reply in a timely manner.

Even when the debt is not yours, they’ll keep contacting you. Check out what happened to one person below:

Source: Moneysavingexpert

Can I ignore BPO Collections?

No. It could be a costly mistake to ignore BPO Collections. First, it would set you up for a fall. In short, you could face proceedings in a small claims court. A County Court Judgement (CCJ) could be recorded on your credit file.

Moreover, court-appointed enforcement officers (bailiffs) could visit you at home. They may even seize some of your possessions!

On top of all the above, ignoring a BPO Collections letter chasing you for a Sky debt, you could be missing out on:

• Finding out the debt isn’t yours
• Discovering the debt is statute-barred
• Being offered a settlement or affordable payment plan
• Having some of the debt wiped off

What can BPO Collections legally do?

There are laws and the CSA Code of Practice that all debt collectors must follow when they contact you. The way a debt recovery agent behaves towards you is regulated.

In short, a debt collectors should show empathy and understanding when they reach out to you. It’s not always the case!

So, knowing what they can and cannot do is important when BPO Collections contacts you over a Sky debt!

Debt collectors can:

• Contact you about an alleged Sky debt, whether by phone, letter or in person if all other methods fail
• Discuss an alleged Sky debt with you discreetly and politely
• Ask you to pay them directly

Debt collectors cannot:

• Force their way into your home
• Pretend they have the same powers as court-appointed enforcement agents (bailiffs) which is a criminal offence
• Discuss an alleged Sky debt with your family, friends, employer, or neighbours which breaches UK privacy laws
• Clamp your vehicle or seize your possessions
• Use documents that appear to be court-issued although they are not
• Talk to you confusingly, using legal jargon
• Urge you to take out another loan to cover the alleged debt

A debt collection agency must allow you the time to consider your options and seek advice about your situation. They can’t force you to pay straight away although many use scare tactics to this end.

How should you deal with BPO Collection?

Getting a letter from a debt collection company can send you into a panic, whether you owe the money or not! So, when you get one from BPO Collections about an outstanding debt to Sky, it’s best to stay calm and deal with things.

You should first check all the details in the letter are correct. Then check how old the debt is. Why? Because debts which are at least six years old are statute-barred, if it is, you may not have to pay!

If, however, the debt is current, you should write back to BPO Collections and ask them to prove the debt is yours! It’s your right to ask this and debt collectors must respond.

BPO Collections can’t just ‘say’ they know you owe the money to Sky. They must provide you with solid, hard proof the debt is yours. For example, an authenticated copy of an agreement or contract you signed!

Don’t admit, sign, or pay any money over to BPO Collections until they’ve sent you the evidence you owe the money on unpaid Sky payments.

Plus, send them the ‘prove it’ letter by registered post and keep a copy for your records!

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What happens when BPO Collections can’t prove the debt?

You may not have to pay BPO Collections when they can’t prove you owe money to Sky, you may not have to pay any money to them. Mistakes happen, whether it’s an admin mistake or another error which means BPO can produce a copy of an authenticated credit agreement.

You’d be surprised at how many people get chased for a debt that belongs to someone else!

Take a look at what happened to one unfortunate person who had dealings with BPO Collections:

Source: Moneysavingexpert

Can you stop BPO Collections from contacting you?

No. You can’t stop BPO collections from contacting you if Sky asks them to recover an unpaid debt. But you can dictate when and how a debt collection agency contacts you.

For example, you could write to BPO Collections limited telling them to contact you in writing only. Or you may prefer to talk to them over the phone at certain times of the day. It’s your right to request this and BPO Collections must respect your wishes!

If a debt collector continues to contact you when you asked them not to, it could be seen as harassment. Harassing behaviour is unlawful. You should complain to their head office about it.

» TAKE ACTION NOW: Fill out the short debt form

Can you complain to the financial ombudsman service?

Yes, you have the right to complain to the financial ombudsman service (FOS) when debt collection agencies threaten or harass you. However, you must file a complaint with BPO debt collection before you do.

How do I contact BPO Collections?

I’ve listed how to contact BPO if they’ve sent you a letter about a Sky debt here: