Opos Debt Letters: Your Rights, Payments and Complaints

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. 

A debt letter can be worrying. Keep the correspondence, check the creditor and balance, and note any response deadline. Free independent debt advice is available.

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.

If dealing with debt is affecting your wellbeing, seek support and tell the firm about any communication or accessibility needs. A debt adviser can help you decide what to do next.

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.

Opos may be collecting an account on behalf of a client. Check the creditor named in the letter and whether Opos is the collector or account owner.

Do not assume the firm is authorised to collect a court fine or tax debt because it collects other accounts. Verify the debt type and instructing creditor.

If you do not recognise the debt, ask for evidence and explain any suspected error. A letter alone does not prove liability or misconduct.

» TAKE ACTION NOW: Fill out the short debt form

Should you ignore them?

If you dispute the debt, explain why and ask for an itemised balance and evidence that you are liable. For recovery covered by FCA consumer-credit rules, a valid or potentially valid dispute must be investigated and recovery paused. A generic proof request does not cancel a debt, override an existing court order or extend a court deadline.

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.

What happens if you don’t respond?

The creditor, or solicitors acting for it, may bring a court claim if entitled to do so. Only the court can issue a judgment. A claim form is not a CCJ: respond within its deadline, as judgment can be entered in default without a hearing.

This can include:

• The creditor may ask the court for a judgment; Opos cannot issue a CCJ itself. See related guidance.
• After judgment, the creditor may apply for an available enforcement method. Properly authorised bailiffs are separate from ordinary collection agents.
• A creditor may seek a charging order or attachment of earnings where the court and statutory requirements are met. See related guidance.

Check the account and independently verify the payment destination first. If the debt is enforceable and affordable after essential costs and priority debts, consider payment or an agreed plan. Do not borrow further or miss essential bills simply to meet a collection demand.

What action can they take against you?

Opos’s role depends on the account and its authority from the creditor. An ordinary collection agency has no bailiff powers.

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

An ordinary collector’s visit does not give it a right to enter or seize goods. Relevant FCA rules require fair notice and reasonable arrangements; there is no universal statutory seven-day notice for ordinary collection visits.

The creditor, or solicitors acting for it, may bring a court claim if entitled to do so. Only the court can issue a judgment. A claim form is not a CCJ: respond within its deadline, as judgment can be entered in default without a hearing. Do not ignore a County Court judgment. If the payment terms are not met, the creditor can seek an authorised enforcement method, which may include a warrant or writ of control. Ordinary debt collectors cannot seize goods merely because a judgment exists. Obtain advice promptly if you need to challenge the judgment or change payments.

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:

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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.

An ordinary debt collector has no bailiff powers: it cannot force entry or seize your goods. You can decline a doorstep discussion and ask the visitor to leave. The creditor may still take lawful court action; authorised enforcement after judgment is a separate process.

Can you lose your home?

An unsecured debt is not initially secured on your home. However, a creditor may obtain a judgment and seek a charging order or other available enforcement, subject to court rules.

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.

An order for sale is a separate court process and is not automatic after a charging order. Get prompt advice if either is threatened; contacting the collector does not guarantee that action will stop.

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.

Complain to the business first. If the activity falls within the Financial Ombudsman Service’s remit, you can normally escalate after a final response or eight weeks without one, usually within six months of the final response. The Ombudsman can require redress, such as compensation or correcting records; it does not fine firms or remove their authorisation.

The Ombudsman decides complaints within its jurisdiction. The outcome depends on the evidence and applicable rules; compensation or a favourable result is not guaranteed.

Opos Limited Contact Details

References

1. InDebted Debt Collectors Survey.

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

CONC 7.9 Contact with customers