If you have ever got a call from 01389493417, it is from Opos Debt Collectors, one of the legitimate and established debt collection agencies based in Scotland.
If you have a question in the back of your mind asking yourself why they are contacting you, the simple answer is that they may suspect that you may owe them debts. Have a look at our comprehensive guide to know more.
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Who Called Me from 01389493417?
If you are getting constant calls from 01389493417, it is from Opos Debt Collectors, a legitimate and established debt collection agency based in Scotland. They may contact you if they find out you owe them debts.
This company is very popular, and that’s why we have written a specific guide on how to deal with their debt collection here:
In case the information below is not enough for you, we suggest you read our in-depth article on the Opos Debt Collection we mentioned above.
Beating Opos Debt Collectors who called you via 01389493417
One way to alleviate a portion of your debts is by writing off some of them. When it comes to handling debts in the United Kingdom there are strategies (Debt Solutions) that you can consider. It’s crucial for you to determine the course of action as it can safeguard you against difficulties.
Some of these options you can consider include:
Who is the Opos Debt Collectors that called you via 01389493417?
Opos Debt Collectors that called you through 01389493417, is a leading debt collection in Scotland founded in 2008. An organisation helps businesses recollect their unpaid invoices in exchange for a fee or a percentage of money collected from the debtors.
Is Opos Debt Collectors who called you via 01389493417 Baillifs?
It is worth noting that Opos Debt Collectors, who called you via 01389493417, are not Baillifs. This means they do not have the legal authority to enter your house and repossess your personal belongings without your permission.
If they refuse to leave your house even after you told them to do so, you can simply complain against them to the police.
Who does Opos Debt Collectors that called you through 01389493417 collect for?
Opos Debt Collectors, that called you through 01389493417, primarily work with a broader range of businesses in various industries. It means they will be working with almost everyone in the business world to help recollect unpaid debts. However, they mainly work with the following businesses:
- Virgin Media
- Private parking companies
- Spark Energy
- Payday loan providers.
Why has 01389493417 contacted me?
You may get contacted by 01389493417, which is owned by Opos Debt Collectors if they have received a request from one of their clients to recollect your debts.
It’s important to keep in mind that Opos Debt Collectors will only get in touch with you through 01389493417 or another phone number if they have been unsuccessful in reaching you through their letters. They might also call you if they are unable to find your address to send debt collection letters.
Even though they may contact you by phone, it’s crucial not to become overly worried about it because sometimes they may reach out to you by mistake.
Can I ignore Opos Debt Collectors’ calls that come through 01389493417?
While it’s not legally required to answer all the calls that come from 01389493417 by Opos Debt Collectors, it is strongly advisable not to do so. It’s because by engaging in communication with the organisation, you can gain an understanding of their reasons for contacting you.
Moreover, by answering the phone call, you can tell them that you are ready to negotiate about the debt, but only via a communication method that you prefer the best. We urge you to tell them that you will communicate with them only via letters. In that way, you can put a pull stop to getting constant calls and stop unnecessary home visits from them.
Plus, choosing letters over calls as your primary communication method allows you to gather legal evidence to defend yourself against potential court cases during debt collection. Paying attention to the debt collector is crucial as this can help you avoid any impact on your credit score.
How do I stop 01389493417 or Opos Debt Collectors from contacting me?
Although you cannot fully stop Opos Debt collectors from stop contacting you entirely, According to the guidelines set by FCA, you can inform them how you should be contacted. For instance, if you feel that you should not be contacted via Phone calls, you can tell them to contact you via either email or letter.
If Opos Debt Collectors who called you via 01389493417 have decided to ignore your request and choose to carry out their preferred way to reach out, you can make a complaint against them.
Another way to make them stop contacting you is to send them proof of debt letter. This way, if they can prove the debt, you would be required to repay the debt, after which they may stop contacting you. If they fail, they may stop contacting you, asking you to repay debts.
How do I Complain about Opos Debt Collectors, who called you via 01389493417?
Yes, if you find it difficult to deal with Opos Debt Collectors as they are breaking the guidelines that the FCA sets, you can make a complaint against them. This law does not only apply to Opos Debt Collectors but even to other debt-collection organisations as well.
Suppose you want to make a complaint against Opos Debt Collectors. Firstly you must make a complaint directly to their head office. Still, if they decide to ignore your complaint and carry out their unethical operation, you can contact the Financial Ombudsman Service (FOS), who may take further action against them.
Do I have to pay Opos Debt Collectors?
Yes and no, the answer to this question is a bit nuanced. It is possible to send a letter to Opos Debt Collectors asking for proof of debt. If they are able to substantiate your debts, you would be obligated to repay the debt they claim you owe them. However, if they fail to prove it, you would not be required to settle it.
If you still need clarification on how to handle a debt collector at each stage, it is highly recommended that you reach out to a debt charity like Stepchange. They can provide guidance on how best to deal with the situation.
If it’s been six years in England (or five years in Scotland) since you last paid your unsecured debt or had any activity regarding it, things could be in your favour.
It might be what’s called a “statute-barred” debt. This means debt collectors won’t have the legal powers to enforce their abilities to make you repay their debts.
If you believe that your debt has reached the point where it can no longer be legally pursued, you can contact the debt collector, Opos. Provide them with sufficient evidence to support your claim. By doing so, there is a possibility that you can avoid having to repay the debt.
It’s important to note that not all debts are capable of becoming statute-barred. For example, any unpaid debts owed to HMRC will continue to be enforceable for years. The same applies to debts that have undergone County Court Judgement (CCJ); they can remain enforceable until the CCJ expires.
What if I can’t afford to pay Opos Debt Collectors?
Due to some reason that you are encountering in your life if you feel that you no longer have the ability or the affordability to repay Opos Debt Collectors debt, who called you via 01389493417.
You can simply search for other debt solutions that are available in the UK that could support you in solving this debt issue. There are several options, including:
If you cannot repay the debt at once, you can discuss it with the Opos Debt collectors by calling the number 01389493417. If they get convinced enough of your financial difficulties, they will surely grant you a repayment plan that would fit your financial situation.
You can combine all your debts into one payment using a Debt Management Plan (DMP). However, it’s important to note that there is no requirement for a number of payments with a DMP since it is an informal arrangement and not legally binding.
A legal agreement between you and the creditor is an Individual Voluntary Arrangement (IVA). During this, the creditor will agree not to contact you; instead, you must make an equally divided monthly payment for a fixed period. Typically, this would last 5 to 6 years, after which any unpaid obligation is eliminated.
However, it is worth noting that only some are eligible for an IVA. To become a qualified candidate, you must owe several thousand pounds to multiple creditors. In addition, you are also required to show that you have sufficient monthly disposable income to repay.
IVAs are not available in Scotland. You will be provided with the option to pick a Trust Deed instead.
Like an IVA, a trust deed works by you agreeing to pay your creditors a predetermined monthly amount, preventing them from contacting you and having any remaining debt written off after the trust deed’s term ends.
A Debt Relief Order (DRO) can be an option for individuals facing challenging circumstances, particularly those with limited income and no significant assets. One of the advantages of a DRO is that it allows you to avoid making any payments for a duration of one year.
During this timeframe, your creditors will cease contacting you and halt the accrual of interest on your debts. If your financial situation remains unchanged by the end of the DRO period, you may have the opportunity to eliminate your debts entirely.
If you find yourself in a situation of hardship and are having trouble meeting your expenses, considering filing for bankruptcy might be a viable option. However, it’s important to view this as a resort. By choosing this path, you can have the opportunity to start afresh with your finances.
In Scotland, Sequestration is the equivalent of bankruptcy. You can be eligible to file for a minimal asset process bankruptcy (MAP) if you earn little money and don’t have any valuable assets.
A MAP is a better alternative to sequestration since it is simpler, quicker, and less expensive.
Opos Debt Collectors Contact Details
You can Contact 01389493417 or Opos Debt Collectors with the following contact information:
|Postal address||Opos Limited
2nd Floor15 Meadowbank Street
|Telephone number||0141 428 3993|
Will Opos Affect My Credit Score?
Yes, Opos Debt Collectors who called you via 01389493417 can affect your credit score.
Especially if you’ve missed payments or defaulted on a debt with your original creditor (which also hurts your credit score), and your debt is sold to collectors, it will show up as a second collection debt on your credit record. The original entry might be labelled ‘sold,’ showing no good look!
If they don’t add a new entry, they can modify the original debt’s entry with the information from the debt collection company. These collection accounts could, at times, seriously harm your credit. The worst part of them is that they’re visible for six years and can hamper your credit options.
Companies use your credit history to assess if you’re a ‘high-risk‘ customer, implying potential bill repayment difficulties. Having a CCJ signals significant debt troubles that led to a court involvement. This makes companies hesitant to offer credit. Thankfully, such records vanish after six years, improving your credit prospects.
Remember, any debt solutions you opt for stay visible for six years and can impact your credit score. Yet, these records vanish after this period, potentially making credit access smoother.
Where Can I Get Professional Advice?
If you are struggling with 01389493417, Opos Debt, or any other debt collector, you should consult a debt charity to obtain professional advice. Regarding debt charities in the UK that offer professional advice, you can find many options, including.
- Debt Advice Foundation.
- Step Change.
- National Debtline.
- Citizens Advice.
- To halt Opos calls and texts, you can request written communication; if ignored, lodging a complaint with the Financial Ombudsman Service (FOS) is an option.
- A call from 01389493417 might be linked to Opos Debt Collectors, a Scottish debt collection agency.
- There are Legal options that might allow individuals in the UK to lawfully write off a portion of their debt.
- Opos Debt Collectors serves various industries, including Virgin Media, 02, and NPower, as their clients for debt collection.
- Opos Debt Collectors is distinct from bailiffs, lacking the authority to seize assets; it’s a debt collection agency.