BPO Collections for Sky – Warning Not To Ignore

Did you fall behind with your Sky payments? Did BPO Collections Ltd then contact you? If so, this is a warning not to ignore their correspondence!

Check out my post which explains how to deal with a letter from BPO Collections so the outcome is positive!

Do you have to pay BPO Debt Collections?

You might not have to pay BPO Debt Collections.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who is BPO Debt Collections Limited?

There are hundreds of debt recovery companies in the UK and BPO Debt Collections is one of them. They collect debts owed to other companies. The company is Scotland based and was founded in 2006.

BPO Debt Collections claim to help you get out of debt by offering an affordable repayment plan. Sometimes the BPO will consider debt settlements.

Is BPO a legitimate business?

Yes. BPO Debt Collection is a legitimate debt recovery company that’s regulated by the Financial Conduct Authority (FCA). They are also Credit Association Service (CSA) members and must follow the CSA Code of Practice!

BPO Collections ltd even won awards in 2018!

However, there are some negative online reviews about them worth checking out!

It’s also worth noting that BPO Collections Ltd would chase you over unpaid tax bills and council tax debts!

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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Who uses the BPO Debt Collection agency?

Several companies, businesses and organisations use the BPO BPO Collections agency to recover outstanding debts. Sky is just one of them. Other clients include:

• EE
• TalkTalk
• Virgin Mobile
• Credit card providers
• Utility companies
• HMRC
• DVLA

The name of the company is listed on the debt letter from BPO Collections. In this instance, it’s Sky!

You should reply when you get a letter from BPO collections limited as soon as possible. Otherwise, you’d just get more letters, phone calls and messages from them. A representative could show up at your door if all other methods of contacting you fail!

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

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!

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 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.

Can debt recovery companies seize possessions?

 No. A debt collector can’t seize your possessions, force entry into your home. They can’t clamp your vehicle either. If they do, they would be breaking the law and the CSA Code of Practice.

You should file a complaint with their head office before contacting the FOS and lodging a complaint with them too!

Are BPO Collections bailiffs?

No. Debt recovery companies don’t have the same powers as bailiffs (court-appointed enforcement agents). Moreover, they can’t pretend they have the same powers, which is a criminal offence!

In truth, a debt recovery firm has exactly the same powers as an original creditor. It means they can ask you to pay and if you don’t, they could take you to court.

Moreover, they’d have to win a court case against you to force you to pay! The downside to letting things get this far is that you’d have a County Court Judgement on your credit file for defaulting on a payment!

Will I be offered a repayment arrangement?

Yes. You could be offered a repayment schedule when you get in touch with the BPO who could set up a debt management plan for you. However, you should seek advice from a debt charity before you agree, sign or fork any money out.

Debt recovery firms must allow you the time to assess all the debt solutions available. They must also take into account your circumstances when discussing any sort of repayment schedule

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.

Can you complain about BPO debt collectors?

You have the right to complain to the debt collection company if you feel one of their field agents has treated you unfairly. Remember, it’s unlawful for them to harass or threaten you over a debt owed!

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:

What debt advice is there in the UK?

You shouldn’t try to deal with a debt problem on your own. Instead, seek advice from a debt charity. Especially when BPO Collections chase you. Their advice could be a lifesaver when it comes to negotiating a fair repayment plan!  

I’ve listed some of the major charities that provide free debt advice regarding a debt recovery firm here:

• Money Advice Service
• National Debtline 
• Citizens Advice
• Step Change Debt Charity

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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Thanks for reading this post. I hope the information in the article helps you deal with a BPO Collections debt letter so the outcome is positive! The one thing not to do is ignore their correspondence.