This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
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.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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.
It’s stressful when debt collectors contact you. Especially when you haven’t got a clue what it’s about. So when you get a letter, you’d be forgiven for asking, ‘do I have to pay Opos Limited Debt Collection? Or can I ignore them?
I endeavour to answer all the questions that may run through your head in this article. Read on to find out more!
Do you have to pay Opos Limited?
You might not have to pay Opos Limited.
If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need.
If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.
This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
Is Opos a debt company?
Opos Ltd operates as a debt company that recovers debts for the commercial and consumer sectors. The business has been around since 2008 with a head office in Scotland.
As debt collectors, Opos also buys third-party debts from other companies/creditors which they purchase for a fraction of what’s owed. Needless to say, when they chase you for payment, it’s a lot more than the amount they paid!
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.
If you’re struggling to pay back your debt, then you might qualify for a debt solution. Some solutions lower your monthly payments while others write off a portion of your debt.
To find out whether they could work in your situation, hit the button below.
Businesses, organisations, and authorities use Opos Limited Debt Collection services. For example, the debt collector may work to recover:
Unpaid taxes – this includes unpaid council tax, parking tickets and taxes owed to HMRC
Outstanding utility bills – for electricity and gas providers
Unpaid broadband and mobile debts – this includes providers like EE, O2 and Virgin Media
Loan defaults – this includes credit cards and payday loans
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:
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.
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.
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!
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:
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
If you’re struggling with your finances, you’re not alone! Debt charities in the UK have never been busier than they are today. So, don’t try to cope on your own. If you’re confused or feel pressured by Opos, seek advice from:
Lastly, do I have to pay Opos Limited Debt Collection?
No. Not necessarily. Why? Because the debt may be statute barred, or it may not even be yours!
Mistakes happen and you may find Opos is chasing the wrong person. So first, ask the debt collector to ‘prove’ you owe the money. Ask for a ‘prove the debt’ letter, don’t just take their word for it!
Then check how old the debt is because if it’s six or more years old, it’s unenforceable. Opos can’t chase you for the payment and you won’t get a CCJ on your credit history.
If, on the other hand, Opos proves the debt is yours and it’s not statute-barred, you should negotiate a payment plan. One that’s affordable.
If you’re unsure what to accept or you’re confused, seek impartial advice from one of the debt charities!
Thanks for reading this post. I hope I’ve answered some of the questions you may have about debt collection agencies. And more specifically answered the question, ‘do I have to pay Opos Limited Debt Collection’.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to beat Opos debt 