Also known as: BPO Collections
BPO Collections Limited is a UK debt collection agency that provides collection services to businesses across a range of sectors. BPO acts as a third-party agent collecting debts on behalf of other companies rather than purchasing debts in its own right.
If you receive letters from BPO Collections, a company you have an unpaid balance with has asked BPO to contact you on their behalf. The letter should make clear who the original creditor is and what the debt is for. If the information is unclear, you have the right to ask for written clarification.
BPO Collections is regulated by the Financial Conduct Authority and must treat customers with respect, communicate clearly, and provide accurate information about any debt they are pursuing. They must also signpost customers to free debt advice services.
If you believe you do not owe the debt or that the amount is wrong, put your dispute in writing. BPO must investigate and refer genuine disputes to the company they are collecting for. You should keep copies of all correspondence.
If you owe the debt but cannot pay the full amount, an affordable payment plan is usually possible. Free debt advice organisations can help you work out what you can afford and how to approach BPO with a realistic offer.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are always free. You should not need to pay anyone to help you deal with a debt collection matter.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from BPO Collections Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt collection; Government debt recovery; Consumer debt collection; Utility, telecoms and financial debt
Trading names and group notes
Parent company is Prospect Financial Europe Ehf, based in Iceland. Registered in Scotland.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
No review data available.
Other review sources
FCA and CSA authorised. Approved HMRC debt collection partner.
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
Lowell Financial Ltd / Lowell Portfolio I Ltd
Lowell; Lowell Financial; Lowell Portfolio I
View details →
Cabot Financial (UK) Limited
Cabot Financial; Cabot Credit Management
View details →
PRA Group (UK) Limited
PRA Group
View details →
Arrow Global Limited
Arrow Global; Norfina (Ireland/EU operations name — not confirmed as separate UK FCA entity)
View details →
Spot an error on this page?
If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.
Report an issue with this page →