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Opos & HandyCash


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I am being chased by Opos Limited for a payday loan which was taken out from HandyCash in September 2010, the due date come and they failed to collect the money. I emailed and telephoned them and received no response, had no address at the time on their website.

 

Have received no communication from HandyCash at all.

 

Out the blue in January 2011 I receive a phone call saying they are telephoning on behalf of HandyCash in relation to this payday loan, they confirm to me the details and I give them a my card details to take payment for the loan amount the following day. They thank me and they then inform me they are actually a DCA Opos Limited.

 

I have cancelled my card immediately after that telephone call and sent a CCA Request but had no response. I have had numerous texts asking me to call them, have had number of telephone calls, I have had number of emails and a couple of letters to my home address. I have ignored all their telephone calls and emails etc..

 

Today I received an email informing me to contact them immediately to make full payment or they will be contacting my employer to confirm employment and taking me to court, they also stated there legal costs are substantial.

 

I stated in response to their email that they have failed to respond to my CCA Request send on 1 April 2011, that they have harrassed me and I will report them for being threatening, intrusive and harassing to the relevant authorities for committing a criminal offence under Administration of Justice Act 1970 S.40 and The Harassment.

 

I informed them I will not be communicating any further until they action my request.

 

Opos responsed stating that their client can prove they paid out funds to me and they will not talk to me in writing anymore only by telephone.

 

Any advice please?

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Today I received an email informing me to contact them immediately to make full payment or they will be contacting my employer to confirm employment and taking me to court, they also stated there legal costs are substantial.

 

Send a copy of that email to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

They can't contact your employer, if they do, then they will have breached not only the OFT's own debt collection guidelines, but the data protection act also.

 

If you have evidence of your CCA request and sending it in April, and they have failed to respond, then send them

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. and this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

In the same envelope, if you don't send it recorded delivery, then you MUST obtain "Proof of posting" from the PO counter.

 

Stay off the phone, keep everything in writing, if they ring answer it and say "Everything in Writing" and hang up.

Keep a diary of events with a view to reporting them to the Police for the criminal offence of harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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subbing do as BB says.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Application / Licence Details

 

 

 

Licence Number:0616281

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberOPOS Limited338837

 

Categories:

 

Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Debt Enforcement & Recovery Services

 

Issued Date: 13-May-2008

Expiry Date: 12-May-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionStewart Steedman WJM Secretaries Limited

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessIngram House, 227, Ingram Street, GLASGOW, G1 1DA, United KingdomRegistered OfficeIngram House, 227, Ingram Street, GLASGOW, G1 1DA, United Kingdom

 

Historic Address(es):

 

Address TypeAddressCorrespondence5, Dixon Street, GLASGOW, G1 4AL, United KingdomPrincipal Place Of BusinessSuite 1E Ingram House, 227, Ingram Street, GLASGOW, G1 1DA, United KingdomPrincipal Place Of BusinessSuite iE Ingram House, 227, Ingram Street, Glasgow, G1 1DA

 

 

Interesting....I wonder if the guy named above is also the same one who works for DDI Consulting (who supply software to the credit control industry !!!)

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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  • 2 months later...
  • 3 weeks later...

Muckhall!!!, ha ha ha ha ha ha ha ha ha......hold on.......ha ha ha ha ha ha ha ha ha ha ha ha ha :pound:, oh god! I can't breathe...!!:faint:

 

Seriously, this is very good news.

 

It is obviously made up of charges or will be, if not already SB....these lot only deal in debts that no other circus would even touch.

 

The entry on your CRF, is this correct?

Have they changed the default date, or is it the same?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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And no the default is not correct MucckyHally have simply taken the account and placed a default marker onto my CRF. Not checked the date on the CRF but will look.... Whats funny is that I have never ever received any correspondance EVER from HandyCash, they failed to retake the payment.

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I don't understand? You say that the info is not correct, but you haven't looked at it yet?

 

Just marking your CRF with a default doesn't automatically mean it is incorrect, the dates are what is important.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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