BPO Collections for Virgin Media – Warning Not To Ignore

Getting a letter from a debt collector is never a good experience. Especially when you’re struggling with finances. So, it just makes matters worse when you get a BPO Collections for Virgin Media debt!

If you’re one of the many people who gets a BPO Collections letter, this post is for you. Read on to find out how to deal with the debt collector and why you should not ignore things!

Do you have to pay BPO Collections?

You might not have to pay BPO 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 Collections?

BPO Collections is among the hundreds of debt collection agencies that operate in the UK. Based in Scotland, the company was established in 2006 and has even won awards! The debt recovery company’s core business is to collect debts owed to other businesses and creditors.

So when you get a debt letter from them, it’s best to respond to it sooner rather than later to avoid court action. A debt recovery company could advise a client to start legal proceedings against you when you owe money!

They claim to offer you debt settlements and affordable payment schedules on their website. That said, BPO Collections has earned some pretty negative online reviews from disgruntled people!

Are BPO Collections legit?

Yes. BPO Collections is legit and a recognised debt collection agency. Thus, they are regulated and a member of the Credit Services Association (CSA). BPO must follow the law and regulations set out by the Financial Conduct Authority (FCA).

So when you get a letter from BPO Collections about a Virgin debt, it’s best not to ignore it. Instead, deal with the debt collector sooner rather than later!

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 else uses BPO Collection?

Apart from chasing Virgin debts, BPO Collection’s client list includes the following:

• Utility companies
• HMRC
• DVLA
• EE
• TalkTalk
• Sky
• Credit card providers

See what one person experienced over an alleged Virgin Media debt BPO was chasing them for:

Source: Moneysavingexpert

What should you do when BPO Collections contacts you?

You may think BPO Collections ltd is chasing the wrong person about a Virgin Media debt. It happens more than you think. People get letters from debt collectors when they haven’t even had any dealings with Virgin.

So, once you’ve got your senses back having opened the debt collector’s letter, you should:

• Check all the details in the letter are correct and yours!
• Establish how old the debt actually is because it could be statute barred
• Seek advice from a debt charity if you’re worried about things

Is the Virgin Media debt too old to enforce?

A debt that’s at least six years old is statute barred. In short, courts won’t hear cases regarding debts this old, so you can’t get a CCJ recorded on your credit file if there’s not one already levied against you!

Plus, you mustn’t have paid anything towards paying off the debt in the last six years or had contact with Virgin Media. Moreover, you mustn’t have admitted to owing the money during that time.

Is the Virgin Media debt yours?

Next, find out if the Virgin Media debt is yours by asking BPO Collections to prove it is! So, instead of ignoring the debt collector’s letter, you should:

• Write to BPO collections ltd requesting they prove you owe the money. Don’t just accept their word for it. BPO must send you a copy of a contract or agreement you signed and it must be authenticated!
• Send the letter by registered post to make sure BPO Collections receives it and keep a copy for yourself

BPO Collections must respect your request and send you the proof you owe the money to Virgin Media. If they cannot, you won’t have to pay! As mentioned, mistakes happen and the debt could belong to someone else.

As mentioned, you must be given an authenticated copy of any credit agreement or contract you signed! If you have any doubts, seek advice from a charity. They will provide free debt advice when you need it regarding a debt owed to Virgin.

See what happened to one person who had to deal with BPO Collections here:

Source: Virgin Community

What happens if you ignore a BPO Collections for Virgin Media?

Things could get very messy and expensive when you ignore BPO Collections ltd for a Virgin Media debt. Plus, you could be missing out on things of importance concerning the debt.

The following could happen when you ignore letters from debt collection agencies:

• Legal action against you could begin without you knowing about it
• A County Court Judgement (CCJ) could be registered on your credit file without you knowing
• A court-appointed enforcement agent could visit you at home and may seize some of your possessions
• You could miss out on being offered an affordable repayment plan or having some of the Virgin Media debt wiped off
• You may not find out the debt isn’t yours
• You won’t know if the debt is too old to enforce

What can BPO Collections do?

All debt collection agencies in the UK must follow the law when they chase you for a debt. In short, there are rules BPO Collections must follow and things they can’t legally do!

A debt collector can legally:

• Contact you about an alleged debt you owe to Virgin Media
• They can contact you by phone, letter or they can visit your home if other ways of contacting you are not successful
• A debt collector can ask you to pay the amount to them directly

It would be unlawful for a debt collector to do any of the following:

• Force entry into your property
• Infer they are court-appointed and therefore, have the same powers as enforcement officers (bailiffs) which is a criminal offence
• Talk to your family, friends, neighbours or employer about the money you allegedly owe Virgin Media. It contravenes UK privacy laws
• Seize your possessions or clamp your vehicle
• Show you documents which appear to be court-issued when they are not
• Use legal jargon to confuse you
• Persuade you to take out another loan to pay a Virgin Media debt
• Threaten or harass you in any way

BPO Collections must give you enough time to consider your situation and seek advice if you need to. If they don’t, you should complain to their head office before filing a complaint with the Financial Ombudsman Service!

Can BPO send bailiffs to your home?

No. Not unless you’re taken to court and a judge orders you to pay. If this happens, a court-appointed enforcement officer (bailiff) could visit you at home.

Enforcement officers have the power to seize some of your possessions. Moreover, a court may issue an attachment on your earnings!

So, in short, BPO can visit your home, but you don’t have to open the door to them. Instead, talk to their representative through an open window or the letterbox. Moreover, you can ask them to leave, which they must do?

Debt collectors don’t have the same powers as enforcement officers which courts appoint to recover debts!

Can you prevent debt collection agencies from calling you?

No. BPO Collections limited can call you about an alleged Virgin Media debt, but they can’t harass you constantly. Moreover, you can write to the debt collector and specify when and how they can contact you!

For example, you can ask them to write to you instead of calling you on the phone or texting you. If you prefer, you have the right to ask them to put everything in writing so you’ve got a record of every contact!

Having a record of every letter you receive and send is important if the case goes to court!

Debt collection agencies must respect your request and if they continue the phone calls at all hours, they would be harassing you. This is against the law and you should report them. First to BPO debt collections. Then file a complaint with the ombudsman!

How do you complain about BPO Collections limited?

If you’re unhappy with the way BPO Collections is discussing things with you, there’s a complaints process to follow:

• First, file a complaint with BPO Collections
• Second, lodge a complaint with the Financial Ombudsman Services (FSO)
• Third, seek advice from one of the UK’s debt charities

Don’t try to cope on your own when you’re struggling with debt. Instead, seek advice from one of the charities or an independent debt adviser. However, you may have to pay a debt adviser if you contact one of the independent companies in the UK.

How can you contact BPO debt collectors?

You can contact BPO Collections about a Virgin Media debt in the following ways:

What debt advice is there?

You should contact one of the charities if you feel BPO Collections is not handling a situation as they should. In short, if you feel harassed or threatened in any way, you should seek debt advice straight away.

I’ve listed some of the major UK debt charities below:

• 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 my post about BPO Collections for Virgin Media. I hope the information helps deal with the situation so the outcome is positive. Remember, if you can afford to, it’s better to pay BPO collections rather than hope they’ll just go away!