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    This evening I received a phone call from Opos in Scotland asking to talk to me. I refused and said if they had anything to say, to put it in writing.

    The response was puzzling in that I was told they would not put anything in writing unless I first confirmed details over the phone , therefore we are at an impasse.


    I searched my google drive and emails and the only emails I can find is one from me with two digitally signed letters
    The first says I do not acknowledge and debt to Opos , the other saying they were harassing me , it went on to list my mobile and landline numbers and the dates and times of calls. The letter also said I could not afford to pay what they were asking.

    Any thoughts? I have heard nothing from them for 5 years so imagine they are scraping the bottom of the barrel.

  • #2
    Originally posted by Warwick65 View Post
    This evening I received a phone call from Opos in Scotland asking to talk to me. I refused and said if they had anything to say, to put it in writing.

    The response was puzzling in that I was told they would not put anything in writing unless I first confirmed details over the phone , therefore we are at an impasse.


    Any thoughts? I have heard nothing from them for 5 years

    Hello

    Being at an impasse may be a good thing.

    My first thought is whatever debt this was (do you recognize it?) it is possibly nearing Statute Barred status so that's just flagged up on their system.

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #3
      Thanks for the reply Di

      i might recognise it as a very old PDL, although without them furnishing me with more details I can not be sure.

      It is possible it is actually SB depending on the interpretation of letters. Even if not, and it is the account I suspect, the OC no longer exists so there might be some other problems.

      I think the morals here are

      Less is more in correspondence
      Keep copies of everything

      Comment


      • #4
        Originally posted by Warwick65 View Post
        Thanks for the reply Di

        i might recognise it as a very old PDL, although without them furnishing me with more details I can not be sure.

        It is possible it is actually SB depending on the interpretation of letters. Even if not, and it is the account I suspect, the OC no longer exists so there might be some other problems.

        I think the morals here are

        Less is more in correspondence
        Keep copies of everything

        Well you can only keep copies of things actually sent to you. So if they never issued/served a DN then you would have nothing to keep (thankfully).

        If you're nearing Statute Barred status then definitely keep your head down so as not to draw attention to any historical mistakes made that they could remedy if given time.

        You've not mentioned sending a s78 CCA Request so keep that up your sleeve - definitely don't send one at this moment in time. Stay under the radar

        Hopefully the calls will stop and they may then write to you so you'll know exactly what they're chasing.

        Di



        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #5
          Thanks Di

          I have been having a search and have found a default date of 2012 and some letters with horrific 'debt collection' charges at £100 a pop for 1 letter. I have only found one entry on my credit reports ( I have several saved). On the plus side I think I have now found every letter and email they have sent so I know what is available .

          Comment


          • #6
            Originally posted by Warwick65 View Post
            Thanks Di

            I think I have now found every letter and email they have sent so I know what is available .

            You have every letter and email so you know what's available to you, but not necessarily available to Opos

            Have they contacted you again as you inch towards Statute Barred status?

            Di
            Legal Disclaimer

            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • #7
              Originally posted by Diana Mayhew View Post


              You have every letter and email so you know what's available to you, but not necessarily available to Opos

              Have they contacted you again as you inch towards Statute Barred status?

              Di
              Not heard a word. As you say, I doubt very much they have all the same letters as I do and if they try to 'reconstitute' something I think I will know.

              Comment


              • #8
                Just confirming as of today, no more phone calls on landline or mobile and no letters.

                Comment


                • #9
                  So today I received a text message that says

                  'Hello please find a quick link to make an online payment towards your account with Opos Limited. Thank you

                  Well who would click on a link on a text message to pay money to anyone , even if you believed you owed it, certainly not me.

                  I wonder if it will be 2 months until they send another message ? If it is that is just fine by me. I will look forward to a May Day gift

                  Comment

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