Opos Limited Debt Collection

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you received a letter from Opos Limited Debt Collection, you might be wondering where the debt came from, if you should pay it, and what happens if you can’t afford to pay. 

Don’t worry! You’ve come to the right place. Every month, over 170,000 people visit our website looking for help with debt problems.

In this guide, we’ll help you understand:

Nearly half of the people who deal with debt collection agencies have experienced harassment or aggression1, so we want to help you sort things out to prevent becoming a part of the statistics.

Let’s get started!

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

You may not recognise the name Opos Limited and assume that you don’t owe them anything.

However, if they’re contacting you, it’s likely that you have an outstanding debt with another company. Opos are collecting on their behalf after a debt transfer or debt reselling agreement.

Similarly, if you’ve defaulted on court fines or have outstanding taxes, they may collect on these too.

That said, they may be writing to you on the off chance that you’ll pay without checking that you are liable for the debt.

» TAKE ACTION NOW: Fill out the short debt form

We always recommend responding to debt collectors – even just to question the debt’s validity. You have the right to request proof of the debt. They have to prove it, or they can’t charge you.

Ignoring companies like Opos usually means they’ll try harder to contact you. The matter can soon escalate, and before you know it, you could be in an even worse situation.

The best approach when dealing with Opos Limited is to speak with them when they first make contact. This can help you resolve the matter in a fast and efficient manner.

Some debt solutions can:

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly debt repayments

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

If you choose to ignore the calls or letters from Opos, they could well take more affirmative action. This may include visiting your home or taking legal steps.

This can include:

None of these steps are preferable to paying the original debt. So, don’t ignore contact from debt collection agencies, or things could get a lot worse.

Opos Limited is a debt collection agency. This means that they have the same legal powers as the original creditor.

So, they can chase you for the money, but they can’t harass you.

Although they can send debt collection agents to your home, they can’t do so without seven days’ notice. You don’t have to let these people into your home, and you can ask them to leave at any time.

Like other debt collectors, they can take you to court over the matter. This means they may eventually be able to issue a CCJ, send bailiffs to recover goods, or apply for a charging order.

To summarize your rights and those of the debt collectors currently chasing you, we’ve prepared the table below, which we recommend you study closely to better understand the situation:

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

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I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Opos Limited aren’t bailiffs (technically ‘enforcement agents’), which means they can’t reclaim your car or belongings to pay off your debts.

They can’t claim to be bailiffs, and if they try and enter your premises or take your goods, you can ask them to leave.

However, they may be able to get the bailiffs to take action on their behalf if you don’t pay or contact them to arrange payments going forward. But keep in mind that even bailiffs need a court order to seize your goods.

It’s highly unlikely that you will lose your property from action by Opos. The debts they chase are usually unsecured.

This means there aren’t any assets (such as your home or car) used as collateral against them. which insures the creditor against repayment issues.

If you don’t pay your debts and they’re substantial, Opos could ask the courts to secure the debt against your assets, including your home. However, it’s unlikely to come to this if you reach out and make contact with them.

As well as regulatory bodies for the industry, there are also several legal protections you have.

If you feel that Opos or any other debt collection company has breached the rules, you can escalate your complaints.

The first thing you should do is contact the company directly and make a formal complaint. If they don’t deal with the matter in a satisfactory way, you can escalate it to the Financial Ombudsman Service.

They provide arbitration when it comes to complaints and ensure you get a fair result.

There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.

Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track. 

That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.

If a debt collector has purchased your debt, it appears on your credit report.

Some of the debt collectors you’re most likely to come across are PRA Group, Lowell and Cabot Financial. 

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers