Opos & Kapama Limited Debt Collection

Opos is a debt collection agency that collects debts owed to organisations, businesses and individuals. As a certified member of the Credit Services Association (CSA), it has passed the Collector Accreditation Initiative which ensures it operates fairly and in full accordance with the law.

Who is Opos?

Opos is a debt collection agency that collects debts owed to organisations, businesses and individuals.

Why is Opos chasing me?

It is likely that Opos is chasing you because you have an outstanding debt that has yet to be repaid. You might not recognise the company name because Opos often works on behalf of other businesses, creditors and individuals to recoup the monies owed.

Is Opos a legitimate debt collector?

Yes, Opos is a legitimate debt collection agency so it is important to keep hold of any communications you receive. As a certified member of the Credit Services Association (CSA), it has passed the Collector Accreditation Initiative which ensures it operates fairly and in full accordance with the law.

Who does Opos collect for?

Opos collects debts on behalf of a range of well-known organisations, brands and businesses including Virgin Media, EE, 02, and a range of payday loans and credit card companies. It also frequently collects parking tickets and catalogue debts.

In addition to collecting council tax debts and defaulted court fines, Opos also collects debts for HMRC, including tax credit overpayments and unpaid tax.

Should I ignore Opos’s letters or calls?

No, it is important to maintain open channels of communication with Opos because they operate in accordance with a strict code of conduct. This means that they are required to provide you with enough time to explore the debt management options available to you and take proactive steps towards taking control of your debt. If they aren’t aware that you’re doing this, however, they will continue to chase you for payment and might take further action against you if you were to continue to ignore their communications.

Can I stop Opos from contacting me?

Although it won’t be possible to prevent Opos from contacting you, it will be possible to set your contact preferences. This means, for example, that you can request to only be contacted via letter.

I owe the debt and I can afford to pay Opos. Should I?

It is important to fully explore the debt management options available to you before making any decisions but it is usually in your best interests to repay your debts if you can afford to do so without incurring any additional costs.

Is my debt to Opos debt statute-barred?

The Limitation Act 1980 states that some debts have a time limit attached to them. In England, this time limit is usually six years and begins from the last time a payment was made or when the debt was last formally acknowledged in writing.

All of the following criteria must apply:

  • • You haven’t made a repayment in the last six years
    • You haven’t acknowledged the debt in the last six years
    • Your creditor hasn’t successfully taken out a CCJ against you

I can’t afford to pay Opos. What now?

If Opos can prove that you are liable for the debt but you can’t afford to repay it, there are several options available to you. It might be possible to arrange a payment plan, which should be realistic and not include any unreasonable penalties, interest rates or charges. However, if this cannot be agreed upon there are a variety of other debt management routes you could take, including a Minimal Asset Process (MAP) or bankruptcy.

Can I write off my Opos debts?

It might be possible to write off your Opos debts with an Individual Voluntary Arrangement (IVA.) To be eligible, you must have unsecured debts totalling more than £5,000. Your debts could include benefits overpayments, council tax debt, credit cards, loans, store cards and overdrafts, and you’ll still qualify if your debts are owed to more than one lender. You must also be able to make monthly payments of at least £90.

What action can Opos take?

As a debt collection agency, the powers that Opos have are the same as those available to your original creditor. They are permitted to chase customers for payment of the debt owed, but they are not allowed to contact you at unreasonable times or harass you.

You can also request that all communications are made through a single channel and during certain times of the day. So you could, for example, request to only be contacted via phone during regular working hours.

Opos may choose to take further action against you, but they will be required to take you to court to do so. Further action that could be taken includes:

  • • Issuing a County Court Judgement (CCJ) against you
    • Sending bailiffs to your property to recover goods to cover the cost of the outstanding debt
    • Applying for a charging order or an attachment of earnings order

Could my Opos debts mean that I lose my home?

There are several stages that your case would need to progress through before there is any risk to your property. Opos largely deals with unsecured debts but if you are behind with repayments, it could apply for a Charging Order to have your debt secured against your property. In order for this application to be successful, however, Opos would also need to take out a CCJ against you.

How do I make a complaint about Opos?

If you believe that Opos has mishandled your case, you can make a direct complaint through the following channels:

Email: general@oposlimited.com
Phone: 0141 428 3990

If the outcome of this complaint is not to your satisfaction, you can refer it to the CSA or FCA.

The burden of bad debts can take a toll on your physical and mental health, which is why DebtBuffer offers a variety of services that will help you to explore your debt management options. In addition to communicating with creditors to give you extra time to repay your debt, DebtBuffer can also ensure you are being treated fairly at all times. The DebtBuffer AI chatbot will set out your options, ensuring that you make the right decision for your unique requirements and circumstances.

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