01389493417: Check Opos Calls and Respond Safely

If a caller using 01389493417 says they are from Opos, verify the contact independently. A displayed number does not prove the caller’s identity.

Opos Limited is a debt collection business. This guide explains how to check the account and respond safely.

In this guide, we’ll talk about:

•  Who Opos Debt Collectors are.
•  Why they might be calling you.
•  How to deal with their calls.
•  If and how you need to pay them.
• How to request reasonable contact arrangements.

You might be confused about where the debt has come from, or if you should pay it. Maybe you’re worried about affording the payment. We understand these worries, and we’re here to help you understand your situation better.

Who Called Me?

Do not rely on the number 01389493417 alone. Use Opos’s official website to check a call or letter; its current general enquiry number is 0141 428 3990.

Our detailed Opos guide explains the company’s role and the options available when you receive a debt demand.

If you don’t find what you’re looking for below, we recommend checking out our detailed Opos Debt Collection post as well. 

Can I ignore the calls?

You do not have to answer an unexpected call. You can contact Opos through independently verified details and ask for written information instead.

Ask for the creditor’s name, account reference, balance breakdown and evidence that you are liable. For regulated consumer credit debts, a firm must pause recovery while it investigates a dispute on valid or potentially valid grounds. A request for information does not itself cancel the debt or extend a court deadline.

Managing collection calls could also reduce your anxiety about the situation.

Do not give payment details or sensitive information to an unexpected caller. Hang up and contact the organisation through details you find independently on its official website. Once you have verified it, reasonable identity checks protect your privacy: a genuine collector should check that it is speaking to the right person before disclosing account details.

In most cases, these types of calls usually occur after a debtor hasn’t responded to a debt letter from the company. It can be better to deal with this letter. 

The best response depends on whether you recognise the debt, dispute it or need help paying. Do not ignore a Letter of Claim or court papers.

For many unsecured debts in England and Wales, the usual limitation period is six years from the relevant cause of action, not simply the last phone call. A payment, qualifying written acknowledgement or court proceedings can affect the position. Scotland usually has a five-year prescription period for many ordinary debts, with different rules and exceptions. Court judgments, secured debts and some tax debts require separate advice. Get free debt advice before paying or acknowledging an old debt; do not ignore court papers.

Why have they contacted me?

A genuine call may concern an account Opos is collecting, but it could also involve a wrong number or mistaken identity. Ask the verified firm to investigate any error.

An online forum account describes receiving repeated messages. This is an individual report, not proof that every Opos contact breaches the rules.

Source: https://forums.moneysavingexpert.com/discussion/comment/76315502#Comment_76315502 

Ignoring genuine correspondence can leave a dispute unresolved and may lead to further action. The next step is not automatic and depends on the debt.

To offer you a quick insight into the average timeline adopted by debt collectors, I’ve created this table. To better understand the debt collection process, be sure to explore our detailed breakdown of the debt collection timeline.

More than one call or text is not automatically unlawful. Excessive, threatening or unreasonably timed contact can be grounds for a complaint.

» TAKE ACTION NOW: Fill out the short debt form

How do I stop them from contacting me?

You can ask Opos to change how it contacts you. Legitimate account notices may still be necessary.

That said, excessive contact can cause financial stress, and your mental health could be affected.

For regulated consumer credit collection, FCA rules require firms to give due regard to reasonable requests about when, where and how they contact you. You can ask for letters or emails instead of calls and explain any health or accessibility needs. This is not an automatic ban on every call or required notice. Keep a record of unreasonable contact and complain if your request is not properly considered.

Explain the effect of the contact, keep evidence and complain if the firm does not properly consider your reasonable needs.

Only agree to payment after checking the creditor, amount and your liability. If the debt is old or disputed, obtain advice first. If it is valid but unaffordable, ask about affordable repayments and free debt advice.

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How do I Complain about the calls?

If you think that Opos Debt Collectors has been unreasonable or behaved inappropriately, you can make a complaint. You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.

Make your first complaint to Opos so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.

Complain to the firm first and keep copies and call logs. For an eligible regulated financial complaint, you can normally approach the Financial Ombudsman Service after a final response or after eight weeks without one, usually within six months of the final response. The Ombudsman can require a remedy or compensation; it does not impose regulatory fines. Tax, council and other non-credit debts may have different complaint routes.

Opos Debt Collectors Contact Details

References

1. FCA: contacting customers