opos.ignoring me, what do i do?

[liz01]

ive been reading loads of posts etc on these muppets,i have made massive headway in all our debts, due to me being seriously ill and unable to now work,ive taken advice from this brilliant website and payplan's website and got nearly all of our creditors to accept £2 per month, most without any problem apart from OPUS/minicredit, they have dropped the £100 debt i should have paid back from £1100!! since november!! to £459, like they have done me some massive favour by reducing the amount! ive emailed and emailed daily to say i will only pay the initial loan plus one months default and one months fee, have continually been ignored, have blocked them on my house phone and mobile! i have been emailing opus (and before that minicredit) since January but no reply, i have offered a payment plan and said i could start this on the 20th feb, but as they have not replied i have not paid, should i just go ahead and pay the £10 i have offered, now i have their bank details, or wait until they reply? can they refuse to accept a payment plan? and how do i complain? who do i complain to? any advice would be great.

[liz01]

does anyone else have any email addresses for opos the only one ive got is general@oposlimited, and also do i warn them i am reporting them? and is it the FOS i do it to?

[renegadeimp]

If they wont reply, then you can hunt down their bank details and make a standing order, or you can send a postal order. If you choose the PO, deduct the cost of the PO plus the stationary used from the total debt owed.

[liz01]

thank you, i have their bank details so pay the £10 i ahve offered until the original plus 1 default etc has been paid even if they continue to ignore?

[renegadeimp]

For pdls, work on the basis that you owe the loan, original stated interest and a default fee. If they want the charges, they can justify that that are fair and proportionate first.

[liz01]

have received this email today, what response do i give please?? and are they likely to take court proceedings?

If you are currently in financial difficulty and are unable to settle in full immediately we still need to speak with you to discuss your financial situation and to agree a manageable repayment amount to clear the debt in a timely manner. Please call us on 0844 372 2128, email us at general @oposlimited.com or make payment by going to our website www.oposlimited.com () and quote your reference

 

Failure to adhere to this notice with result in your account being passed to our legal representatives: Debt Recovery Service for further action where the following enforcement action will be considered in the event Decree/County Court Judgment is secured against you:-

 

• Wages – Your employer would receive an arrestment/attachment order that will enable us to secure payment of the above amount including cost from your wages. This will be an allotment of pay if you serve in HM Forces.

• Property – An inhibition/charging order will prohibit the sale of the above property and the ability to re-mortgage or secure funds.

 

We hope this matter can be resolved without this action and look forward to receiving your payment

[renegadeimp]

Drs are not legal reps. They are a simple dca.

[NickWhitt]

have received this email today, what response do i give please?? and are they likely to take court proceedings?

 

 

If you are currently in financial difficulty and are unable to settle in full immediately we still need to speak with you to discuss your financial situation and to agree a manageable repayment amount to clear the debt in a timely manner. Please call us on 0844 372 2128, email us at general @oposlimited.com or make payment by going to our website www.oposlimited.com () and quote your reference

 

Failure to adhere to this notice with result in your account being passed to our legal representatives: Debt Recovery Service for further action where the following enforcement action will be considered in the event Decree/County Court Judgment is secured against you:-

 

• Wages – Your employer would receive an arrestment/attachment order that will enable us to secure payment of the above amount including cost from your wages. This will be an allotment of pay if you serve in HM Forces.

• Property – An inhibition/charging order will prohibit the sale of the above property and the ability to re-mortgage or secure funds.

 

We hope this matter can be resolved without this action and look forward to receiving your payment

 

I have also had the same email and don't know what to do next.

[renegadeimp]

Its a generic threat letter. Ignore.

[liz01]

have finally had a reply from opos. they have reduced the debt again, so from over £1000 a few months ago for a £100 or actually a £80 loan after they took off the fee for paying it into my account, its now been reduced today to £300, and are accepting a payment plan, do you think i should now accept that or would i be pushing my luck to get them to reduce to the iniital loan with interest should have been £120 plus one default and one months interest?? they have said the following :::Please be aware that the section 87 in the Consumer Credit Act 1974 does not apply for an overdue credit. This applies for the long-term credits when the Customer wishes to repay the credit back before the final payment date allowing the creditor to charge interest up to one following month. any advice most welcome please.

[renegadeimp]

Keep pushing. Dont accept anything less than ALL bogus charges removed. The fact that theyve dropped the debt that much shows they know that they have added on silly charges.

 

Remind them of their obligations under OFT guidance on Debt Collection.

[liz01]

Keep pushing. Dont accept anything less than ALL bogus charges removed. The fact that theyve dropped the debt that much shows they know that they have added on silly charges.

 

Remind them of their obligations under OFT guidance on Debt Collection.

 

thank you for that renegadeimp, i will email in the morning again, how do you think i should respond please?

[renegadeimp]

Ask for a full breakdown first. Dont mention anything about the charges just yet. We need to see what charges are on there and what they are attributed to.

[liz01]

ok thank you so much, they have said on the email today, that interest for the month would be £120 and charges £80 plus the initial loan = just over £300 to pay back

[renegadeimp]

80 of charges is definitley suspicious. request the FULL itemised breakdown.

[liz01]

ok will do thank you.

[liz01]

80 of charges is definitley suspicious. request the FULL itemised breakdown.

 

hi renagaimp, had a reply from them after asking for breakdown, reply as follows Our client is satisfied that all questionable charges have been removed, and the current charges levied are well within the OFT guidelines and therefore wouldn’t consider a further reduction on the charges already removed.

We at Opos can however allow the flexibility of no further charges or interest levied offering yourself(s) 6 months to repay the settlement offered by our client which are the following and then they remind me of the amount to pay, i have made a formal complaint to oft etc for the wya we have been ignored and treated, can only afford maximum of £10 per month, gonna take longer than the 6 months they have offered!! any advice please? thank you

[renegadeimp]

Thats still not an answer. Opos are minicredit. keep demanding FROM minicredit that breakdown.

[liz01]

Thats still not an answer. Opos are minicredit. keep demanding FROM minicredit that breakdown.

 

hi renegaimp, they have replied again saying they would do a payment plan but it would cost me another £120 + for the pleasure of doing so , so for a £100 debt they want over £450 to accept the monthly plan i offered!! i have emailed back as im so angry and told them to take me to court, had enough, i am at moment hooked upto machines having treatment as im so unwell but am NOT going to back down until i get the figure that is acceptable, have also asked again for a complete breakdown, email back saying ive been passed to someone else at opos!

[pb8111]

Quite easy.

 

1) Rang the same person twice a day - using private number so couldnt be identified - basically just kept repeating myself on the phone.

 

THEN

 

2) email him the conversation we just had (sometimes sending it 4 times by accident )

 

THEN

 

3) twice a week printed all the emails, put it in the post and sent it to them by recorded

 

THEN

 

4) created a fake AOL account (something like lawsolutions or something) then emailed him to say i was taking them to court and who do the court papers need making out to in the company

 

i then got a lovely settlement email from them which i settled with....original loan was £690....ended up paying £750 in a lump sum....at one point they asked for 4k and i basically had a 10 minute laughing fit down the phone when they asked me if i was in a position to make that payment today..

 

seriously guys these people arent intelligent...do not be afraid of these guys....keep all letters...send letters...send emails...no phone calls unless recorded...to be honest im quite upset i cant harass them anymore :0 twas great fun

[liz01]

hi, lol, wow i love this! but i dont have a lump sum to pay them,told them to take me to court, never dealt with such muppets ever, i have serious illness and cant work now, these are the only ones causing immense stress which isnt helping my illness, im normally very placid but the last email i sent i was so mad, i couldnt care less what they do, reminded them of the 12 weeks to clean up their act! after yesterdays oft announcement!, have made complaint to the oft, but i stupidly put that i would compromise and pay the £300+ on a payment plan, but wish i hadnt said that now as its still too much, considering i only had £80 off them!! will await the reply now from the person whom its now been passed to in the same office!!

[pb8111]

even if they do accept your offer...just change it again to suit your needs

[liz01]

even if they do accept your offer...just change it again to suit your needs

 

yes thats what i will do i think, i now have their bank details and will start to pay what i can afford each month until ive paid the initial loan, plus ones months interest and one default then they can whistle for the rest!

[liz01]

hi renegaimp, they have replied again saying they would do a payment plan but it would cost me another £120 + for the pleasure of doing so , so for a £100 debt they want over £450 to accept the monthly plan i offered!! i have emailed back as im so angry and told them to take me to court, had enough, i am at moment hooked upto machines having treatment as im so unwell but am NOT going to back down until i get the figure that is acceptable, have also asked again for a complete breakdown, email back saying ive been passed to someone else at opos!

 

 

Further email this afternoon, they will now accept a payment plan, charges as follows::

Loan Principal £100only received £80 though in the bank/

2. Interest 1% of the principal per day from 05/11/2012 to 05/03/2013 totalling £159,

 

(although 2 default emails were sent within 48 hours of each other and having activated a hardship application just after that, also first week of january i had an email saying,We have reviewed your hardship application. Your account will be sent to our DCA partner. They will contact you, so they continued to add interest until 2 days ago??)

 

 

Overdue penalty £25 (added 06/11/2012)

 

Overdue penalty £55 (added 08/11/2012)

 

they took £25 from my account in november, so have paid £25 so far.

 

also said plan would be for 6 months then reviewed! then goes on to say, with the condition the instalment then be overlooked..... yep overlooked!!

 

next step?? forward to oft? and email to say??

[renegadeimp]

The overdue charges you can ignore. As well as all that extra interest. You also need to ask why you only received 80 out of the 100. if they give you any bull about transfer fees, simply pop into your bank and ask them what they think.