How will Opos Limited chase me if I don’t pay?

Creditors such as Opos Limited use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They often follow a debt process which will make them the most profit. These methods are often seen as aggressive and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues: intimidation.

The first point of contact which Opos Limited may use will be an introductory phone call and letter. This is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges/penalties which may have been accrued and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are usually:

A home visit

A county court judgement (CCJ), issued by Opos Limited if you fail to repay the debt within this tight deadline

A threat of bankruptcy (usually if the debt is over £750)

Letters like this are very standard with every credit provider and not just Opos Limited. It is important to not take these letters personally. There is help at hand, but you should act quickly.

Opos Limited may be persistent with phone calls. Phone calls are an effective method of collection for creditors as they recruit advisors who are experienced in applying pressure (to sometimes vulnerable) customers. The main phone number that Opos Limited will call from is 01414 283990. But as we said previously in this page, Opos Limited may regularly use different numbers to call you from which are not usually advertised. This is so they get a higher success rate (contact rate) when calling debtors. If you do receive a call or like this from Opos Limited, it is important to keep calm and level-headed.

If you have been contacted by Opos Limited, contact us immediately and we will try to deal with them on your behalf.

To get more information visit #opos ltd.