Opos

[Warwick65]

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

[Warwick65]

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.

[Diana Mayhew]

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

[Warwick65]

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 .

[Diana Mayhew]

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

[Warwick65]

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

[Diana Mayhew]

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

[Warwick65]

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.