Opos Limited Debt Collection

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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:

Who Opos Limited Debt Collection are.
Why Opos could be contacting you.
The kind of debts Opos collects.
How you can stop them from contacting you.
What your legal rights are if Opos breaks the rules.

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!

Why are they chasing you?

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

Should you ignore them?

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.

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly payments

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

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

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

Get Started

What happens if you don’t respond?

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:

Issuing a County Court Judgement (CCJ) to you.
Sending bailiffs to recover the debt in the form of goods from your home.
Apply for a charging order or attachment of earnings order.

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.

What action can they take against you?

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.

Your Rights With Debt Collectors

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:

Debt Collectors Can	But They Can’t
Contact you by phone or mail.	Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door.	Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt.	Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing.	Visit your workplace.
Access your bank account, but only after a court judgment has been made.	Take anything from your home or threaten to do so.
Sell your debt.	Speak to other people about your debt without your permission.
Contact you frequently.	Keep doing so if you request that they reduce communications.

Thousands have already tackled their debt

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.

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

Get started

Reviews shown are for The Debt Advice Service.

Can they remove your possessions or car?

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.

Can you lose your home?

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.

What if they breach the rules?

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.

Checking for Other Debt Collectors

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.