Opos Limited Debt Collection – Should You Pay?
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:
- 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 is Opos chasing you up?
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.
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:
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.
What happens if you don’t respond?
What action can Opos take against you?
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.
Reviews shown are for The Debt Advice Service.
Can they remove your possessions or car?
Can you lose your home?
What if they breach the rules?
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.