OPOS
Received a letter or call from Opos Limited? This guide explains who they are, who they collect for, your legal rights, and what to do next.
Who Are Opos Limited?
Opos Limited is a debt collection agency based in Dumbarton, Scotland. Founded in 2008, they are registered in Scotland (company number SC338837) and authorised and regulated by the Financial Conduct Authority (FCA reference 693817). They collect debts across the UK, mostly on behalf of other companies.
Who Do Opos Limited Collect For?
Opos collect for clients in the banking, utilities, telecoms and retail finance sectors. They usually operate in one of three ways:
- Acting for the original creditor - collecting payments for the company you owe
- Acting for a debt purchaser - collecting for a company that has bought your debt
- Collecting their own purchased accounts - in some cases they own the debt
If you do not recognise the debt, ask Opos to identify the creditor, explain the account and provide information relevant to your dispute.
Contact Details
Opos Limited
2nd Floor, 15 Meadowbank Street Dumbarton G82 1JR
Telephone: 0141 428 3990
Always quote the reference number from your letter, and verify the debt is yours before making any payment.
Your Legal Rights
Opos Must:
- Explain the creditor, account and basis for collection
- Investigate a genuine dispute and provide relevant information
- Treat you fairly under FCA regulations
- Consider affordable payment proposals and your circumstances
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 limitation carefully - rules vary by debt type, court history and UK jurisdiction
- Respond based on your situation - pay, negotiate, or seek advice
Can Opos Send Bailiffs?
No. They are debt collectors, not enforcement agents. They cannot enter your property or seize belongings; enforcement requires separate legal authority and process.
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.
Living in Scotland? Different debt solutions apply, including protected trust deeds.
How to Complain
Contact Opos in writing, then the Financial Ombudsman Service (0800 023 4567) if unsatisfied.
Compare your debt options. Use our free IVA calculator.
Sources checked
- Opos Limited for company background and contact details.
- 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.
Frequently asked questions
Who do Opos Limited collect for?
Opos Limited collect debts for clients in the banking, utilities, telecoms and retail finance sectors. They may be acting for the original creditor, collecting for a company that has bought your debt, or occasionally collecting accounts they have purchased themselves.
Who are Opos Limited?
Opos Limited is a Scottish debt collection agency based in Dumbarton, registered in Scotland (company number SC338837) and authorised and regulated by the Financial Conduct Authority (reference 693817). They have operated since 2008.
What is the Opos Limited contact number?
Opos Limited's published contact number is 0141 428 3990, with offices at 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR. Always quote the reference number from your letter.
Do I have to pay Opos Limited?
Only if the debt is genuinely yours and enforceable. You are entitled to request written proof of the debt and details of the original creditor before paying anything. If you cannot afford the debt, options such as a payment arrangement or a formal debt solution may be available.
Can Opos Limited send bailiffs to my home?
No. Opos are debt collectors, not bailiffs. They have no right to enter your home or take belongings. Bailiffs can only become involved if a creditor first obtains a court judgment and you do not pay it.
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.