OPOS
Quick answer
OPOS Limited: contact number and quick answer
OPOS Limited is a legitimate Scottish debt collection agency. If OPOS contacts you, check who the client is, what account they are collecting and whether the balance matches your records.
- Contact number
- 0141 428 3990 for customer contact. OPOS also lists 0141 428 3993 for business enquiries.
- Who they collect for
- OPOS says it provides consumer and commercial debt collection for clients across a broad range of sectors.
- Is OPOS legitimate?
- Yes. OPOS Limited is registered in Scotland under company number SC338837 and is authorised and regulated by the FCA.
- Court or bailiff risk
- OPOS are debt collectors, not bailiffs. They cannot force entry or take goods, but an unresolved account can be escalated by the creditor through court.
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
2nd Floor 15 Meadowbank Street Dumbarton G82 1JR
Telephone: 0141 428 3990
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
- Don’t ignore it - could lead to CCJs
- Verify the debt - request proof in writing
- Check if statute barred - debts may be unenforceable after 6 years
- 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) - Possible write-off of qualifying debt after completion. Check if you qualify.
Debt Relief Order - A formal option for England and Wales where qualifying debts may be written off after the DRO period if you meet the criteria.
Debt Management Plan - Reduced monthly payments.
How to Complain
Contact OPOS in writing, then the Financial Ombudsman Service (0800 023 4567) if unsatisfied.
How to respond to OPOS
If OPOS contacts you, start by checking whether the account is yours and whether the balance matches your own records. Ask for the original creditor name, account reference, date of default or assignment, and a written breakdown of the amount being requested.
If you recognise the debt but cannot afford the proposed payment, do not agree to a plan that leaves you short for rent, mortgage, council tax, utilities, food or travel. A realistic offer is usually safer than a payment promise that fails after one or two months.
Before you make a payment
Keep communication in writing where possible and save copies of letters, emails and payment proposals. If several collectors are contacting you at once, compare wider debt options before prioritising one account over the rest.
You may want to read the debt collector letter before action guide, compare IVA vs DMP, or check whether a Debt Relief Order may be more suitable if your income and assets are low.
If the debt is not yours
Tell the collector in writing that you dispute liability and ask them to pause collection while they investigate. Include only the information needed to identify the account, and keep a copy of anything you send. If the letters are for a previous resident, say so clearly and ask for your address to be removed from the account.
Sources checked
- FCA Register for consumer credit authorisation checks.
- Companies House for registered company details.
- Financial Ombudsman Service complaint guidance for escalation routes.
- GOV.UK debt options for formal debt solution context.
Before you agree to pay
If OPOS has contacted you
Check the account
Match the reference, balance, original creditor and address history before making a payment. Ask for evidence in writing if you do not recognise the debt.
Keep priority bills first
Rent, mortgage, council tax, energy, food and essential travel should be protected before non-priority debt collector payments.
Watch for court wording
A letter of claim or county court claim needs a faster response than a routine collection letter. Do not ignore formal court papers.
What debt collectors can and cannot do
They can
- Contact you about a debt they own or collect.
- Ask you to confirm details before discussing the account.
- Accept, reject or review a payment proposal.
- Escalate to a solicitor or court route if the debt is enforceable.
They cannot
- Pretend to be bailiffs or enforcement agents.
- Force entry into your home or take goods.
- Mislead you about legal powers or deadlines.
- Discuss your debt with other people without a proper basis.
Common questions
Should I ignore a debt collector letter?
No. Check whether the debt is genuine and respond in writing if you need evidence, time to get advice, or an affordable payment arrangement.
Can a debt collector send bailiffs?
Not directly. Bailiffs normally become relevant only after the correct legal process, such as a court judgment followed by enforcement action.
What if I cannot afford the payment they want?
Do not agree to an unaffordable plan. Compare a DMP, IVA, DRO, breathing space advice, or another route before payments fall behind again.