BPO Collections letter

[Mr Guigsy]

I wonder if anyone can give me some advice, regarding a letter I was forwarded out of the blue from BPO Collections.

 

The letter states:

 

"BPO Collections have been instructed by Hoist to collect this outstanding debt. Despite requests for payment the ammount is still outstanding. The outstanding balance of £1066.70 is due in full however we understand that in the current financial climate every penny counts and we would like to help you pay off your account

 

1. If you pay within 7 days of receipt of this letter we will accept 50% of the outstanding balance, therefore you only need to pay £533.35

 

 

2. If you pay within 14 days of receipt of this letter we will accept 60% of the outstanding balance, therefore you only need to pay

£640.02

 

 

3. Alternatively, if you pay in three equal monthly instalments we will accept 75% of the balance, therefore you only need to pay

£800.03 over three months

 

 

Please do not delay in calling BPO immediately as this offer will end 5th April 2014, after this we will not be able to accept any reduced settlements on your outstanding balance.

 

 

To date, we have not been made aware of any dispute on the account that is preventing you from paying the outstanding amount. If you choose to ignore our request to settle your account or fail to enter into a repayment plan you will leave us no alternative than to recommend to our client that a HOME VISIT may be the only option we have to recover the outstanding balance due.

 

 

CALL IMMEDIATELY

0141 375 0960

 

 

 

Yours Sincerely

 

 

Graham Rankin

Managing Director"

 

 

I have never heard of BPO Collections or Hoist and this is the first correspondence I have had. As far as I am aware, I am not in debt to anybody and I have also been out of the country for the last 8 years. What is especially worrying is that this letter was sent to my fathers address who I stayed with for only 4 months after returning to England in 2013.

 

 

I have been loathe to call this company as my gut feeling is that it is a con, but I obviously don't want them hassling my father as I haven't stayed at that address for over 8 months now. I am concerned though as to how this company got my fathers address?

 

 

 

Any advice would be appreciated.

[silverfox1961]

Hi and welcome to CAG

 

From your post, this is obviously not your debt however, I would check your credit file to ensure you are not a victim of ID fraud.

 

If something is there, contact Action Fraud and get a crime number.

 

As for BPO, to avoid your father getting more mail from them, write and include an address for them to contact you.

 

In any letter sent, write "I acknowledge no debt to you nor any company you claim to represent."

 

Lay out the facts and state that you see this as the end of the matter and any further correspondence will be treated as harassment.

 

Creditors have a duty of care in ensuring they are chasing the right debtor.

[Mr Guigsy]

Thank you for your response and advice. I will send them a letter and see what happens.

[gregs07]

The fact that they're offering crazy discounts means it's a bad debt. Ignore them.

[silverfox1961]

The fact that they're offering crazy discounts means it's a bad debt. Ignore them.

 

 

Not in this case as they are sending mail to the OPs father. Doing it the way advised will remove the stress to him and the OP won't miss any important mail.

 

I do agree that it is a duff debt though.

[dx100uk]

surely the any mail to you

should be marked on the envelope as return to sender

not at this address

 

and put back in the post?

 

dx