Do I have to pay Opos Limited Debt Collection?

Are you worried because Opos Limited Debt Collection contacted you? You might be feeling stressed about how to handle this.

If so, you are not alone. Each month, over 12,000 people visit this website to understand debt topics.

In this article, we’ll explain:

•  Who Opos Limited are, and why they might contact you
•  How to deal with Opos Limited
•  Ways to lower your repayments
•  Your rights when dealing with debt collectors
•  The consequences of not responding to Opos

We understand that dealing with debt collectors can be tough; some of our team members have been in your shoes.

Don’t worry; we’re here to help you understand how to deal with Opos Limited Debt Collection.

Why would Opos contact you?

Opos may be chasing an outstanding debt for another company. Or the debt collector could be contacting you for a debt they purchased!

Maybe you defaulted on something, or you ignored a court order to pay a creditor. Whatever the reason, if a creditor asks Opos to recover the amount, they’ll contact you. And they can be pretty persistent!

Don’t panic when you get a letter from Opos because debt collectors are obligated to ‘prove’ the debt is yours! Moreover, debt collectors must follow the law when they contact you.

Opos is regulated by the Financial Conduct Authority (FCA).

How do you deal with Opos?

Opos could contact you by letter, phone or email. A field agent could visit you at home! However, when the debt collection agency contacts you, the first thing to do is stay calm.

It’s better to deal with the problem head-on. So, although stressful, it’s best to respond to Opos. If you prefer, you can write to them rather than speak to someone over the phone!

When writing to Opos, ask for ‘proof’ the debt is yours. Debt collectors are obliged to provide this information. A representative may ‘tell’ you they know the debt is yours, but that’s not good enough!

Opos must produce an authenticated copy of an agreement you entered into. A debt can’t be enforced if they can’t produce the evidence!

Seek advice from one of the debt charities if you’re confused or have any doubts about the way Opos contacts you. Their advice could be invaluable when dealing with a debt collector!

Check out what happened to one very unfortunate person who received a letter from Opos:

Source: Moneysavingexpert

What happens if I ignore my creditors?

Opos could report you to credit bureaus if you ignore their correspondence. It would ruin your credit rating. Moreover, the amount owed could increase so it’s even harder to get back on track!

What happens when you don’t respond to Opos?

Opos could start legal proceedings against you. Moreover, the problem starts to escalate if you don’t respond to the debt collector’s letters. It could lead to:

• An Opos debt collector paying you a visit at home
• A County Court Judgement (CCJ) could be levied against you
• Enforcement agents (bailiffs) could show up at your door with the right to seize your possession!
• An application for an attachment of earnings or a charging order could be issued

So, in short, not responding to Opos correspondence could lead to more stress!

Take the first step towards tackling your debt

Every day, our partner, The Debt Advice Service, helps people understand their options for dealing with debt. Their debt advice is free, with no obligation to proceed.

Thrifty Family introduces you to The Debt Advice Service. We do not provide debt advice or recommend debt solutions.

Natasha

Very helpful and informative thank you

Get started

Thrifty Family does not provide debt advice or recommend debt solutions. We can introduce you to The Debt Advice Service, a trading style of Pacific Financial Solutions Limited. Their debt advice is free, and there is no obligation to proceed.

If you request an introduction, we’ll share your details with The Debt Advice Service so they can contact you.

Some debt solutions have fees and may negatively affect your credit rating. Thrifty Family is a commercial introducer and may receive a fee if you go ahead with a debt solution through The Debt Advice Service.

For free, impartial money guidance and help finding free debt advice, visit MoneyHelper.

What can Opos do when they contact you?

Debt collection agencies are highly regulated. Not only by the FCA but also by the Credit Service Association (CSA). Opos must follow the Code of Practice and if they don’t you can report them.

So for example, Opos cannot do the following:

• Call you at unreasonable or unsociable times when you’ve asked them to call you at specific times
• Contact you in ways you’ve asked them not to contact you
• Call you at work
• Take payment from you without your permission
• Refuse to let you think about your options
• Discuss a debt with other people which is a breach of your privacy
• Pressure you to take out another loan to pay the debt they’re chasing you for
• Use confusing legal jargon

Can you get out of paying Opos?

You could get out of paying Opos for two reasons which I’ve listed here:

• The debt is six-plus years old and therefore unenforceable because it’s statute barred
• Opos can’t prove the debt is yours!

However, for a debt to be statute barred it must meet certain criteria which are:

• You never admitted liability
• You haven’t paid anything towards the debt in the last six years
• There’s no current court order or proceedings relevant to the debt

Can you stop Opos from contacting you?

Opos has the right to contact you but debt collectors cannot harass you with continuous calls/messages. You can write to Opos asking them to stop calling you at unsociable hours.

» TAKE ACTION NOW: Fill out the short debt form

In short, you can tell Opos to contact you at specific times of the day. You can also dictate how debt collectors contact you. So, if you prefer to be contacted in writing, let them know.

You have the right to report Opos to the Financial Ombudsman if they don’t respect your wishes!

That said, the only real way to prevent debt collectors from contacting you altogether is to:

• Pay the debt
• Agree to a repayment plan
• The debt is over six years old so its statute barred
• Provide evidence the debt isn’t yours although it’s up to the debt collector to prove it is!

How do you contact Opos?

I’ve listed contact details for Opos here: