OPOS

Received a letter or call from OPOS? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are OPOS?

OPOS Limited is a debt collection agency based in London. They collect debts on behalf of other companies, particularly in the financial services sector.

They may contact you because:

• A company has hired them to collect a debt you owe
• Your account has been passed to them for collection
• The original creditor is using OPOS to manage recoveries

FCA Registration: OPOS Limited is authorised and regulated by the Financial Conduct Authority.

Contact Details

OPOS Limited

1 Coldbath Square London EC1R 5HL

Telephone: 020 7067 0000

Your Legal Rights

OPOS Must:

• Tell you who the original creditor is
• Provide proof of the debt if requested
• Treat you fairly under FCA regulations
• Accept reasonable payment offers

OPOS Cannot:

• Harass you with excessive calls
• Contact you at unreasonable times
• Discuss your debt with others
• Threaten action they can’t take
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could lead to CCJs
2. Verify the debt - request proof in writing
3. Check if statute barred - debts may be unenforceable after 6 years
4. Respond based on your situation - pay, negotiate, or seek advice

Can OPOS Send Bailiffs?

No. They are debt collectors, not bailiffs. They cannot enter your property or seize belongings without a court judgment.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt. Check if you qualify.

Debt Relief Order - For debts under £30,000 with low income.

Debt Management Plan - Reduced monthly payments.

How to Complain

Contact OPOS in writing, then the Financial Ombudsman Service (0800 023 4567) if unsatisfied.

Take control of your debt. Use our free IVA calculator.