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Text Messages Opos

bdazzling
bdazzling Forumite Posts: 14
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Can anyone advise please. In May I got a random text from Opos who I have never heard of but on searching find that they are a debt collection agency.

As I have no debts that I am aware of I ignored the text and thought it was a mistake, however this morning I received another text asking me to contact them and quoting a reference number.  I did have debt issues years ago (CCJ's etc) but all are now clear and my credit score is excellent . I have checked my equifax file this morning  and its not showing any outstanding debts and says my score is excellent , I don't understand why Opos are contacting me and if I have to respond.  Any advice please on what I should do, having read through other peoples posts it seems they only give you information if you confirm your address details etc and I am not happy disclosing this personal information in case they add something incorrect onto my file.  I worked hard to clear my debts and get a good credit score and am worried this will affect it, also how did they get my mobile number ?  Can anyone tell me what I should do please , thanks
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Comments

  • MalMonroe
    MalMonroe Forumite Posts: 5,783
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    Hi, people/companies/scammers can buy lists of mobile phone numbers. There doesn't seem to be any regulation about that either. 

    What you can do is just block the number and report as spam.

    As Grumpelstiltskin says above, if they are genuine they will contact you by snail mail.

    I never trust texts from organisations I don't know. And I'm always wary about texts from organisations I do know, too. Do trust your instincts. They are very rarely wrong. 

    Hope that is helpful. 
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,664
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    As above, debt collectors must write to you if they believe you owe a debt.

    Call`s/texts/emails are a cheap way of encouraging contact.

    If they write to you, then you can challenge it.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • bdazzling
    bdazzling Forumite Posts: 14
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    I ignored the txt messages but today I received another with a link to a webpage. It says they have sent me an email regarding a settlement on my account and there is a link to click. 

    Im worried if I go onto it it might do something but as I said as far as I am aware I have no debts and my credit file is clear and ‘excellent’.   If i do owe this and have somehow forgotten it and it shows something if I click the link am I then liable?   Why have they contacted me now when I have nothing for years?  I’m not even sure who it is, I guess I can click the link but what happens then?
     I thought as my file is clear and there are no outstanding items showing I dont owe anything

    any suggestions or advice please 
  • Grumpelstiltskin
    Grumpelstiltskin Forumite Posts: 3,896
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    You still ignore any texts you receive, it has been explained to you that they must contact you by letter not text or phone call if they have enough information to consider taking you to court.
    If you go down to the woods today you better not go alone.
  • CliveOfIndia
    CliveOfIndia Forumite Posts: 782
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    Ignore the texts.  And don't whatever you do go clicking on the link (that's true of any unsolicited texts or emails you receive).  It's either a scam or a case of mistaken identity.
    As has been said before, any genuine debt-chasing will be done by good old-fashioned letter through the letterbox.
    bdazzling said:
    I have checked my equifax file this morning  and its not showing any outstanding debts and says my score is excellent
    If you really want to put your mind at rest, check all 3 of your credit files: https://www.moneysavingexpert.com/loans/check-free-credit-report/
    This is because not all lenders report to all 3 Credit Reference Agencies.  So it's possible that a genuine debt may not appear on Equifax but it may be on one of the others.
    But I'm willing to bet you'll find all 3 are clear, and you should ignore any texts or emails you get relating to this.  If you should happen to receive an actual letter through the post, then take it from there - and by all means come back here for advice.  I suspect that won't happen.

  • bdazzling
    bdazzling Forumite Posts: 14
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    Thank you all. I did as you suggested and ignored all txts but this morning I received a txt saying this

    “We posted you a letter, you can view and download a copy from oposltd.com Visit www.oposlimited.com to make payment;”

    I haven't received the letter yet but my question is if I get a letter what action do I take?  I have checked all 3 credit files and there is nothing showing on any. 

    Its worrying me so much but I don’twant to pay anything if its not due and I read somewhere about time limits and things ?

    thanks for any advice

  • flipflopflo
    flipflopflo Forumite Posts: 470
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    I’d just sit and wait for the letter. When/if it arrives then post the details on here and someone will be able to guide you. Until/if it arrives the advice is still the same, do nothing. 
  • CliveOfIndia
    CliveOfIndia Forumite Posts: 782
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    bdazzling said:


    I haven't received the letter yet but my question is if I get a letter what action do I take?  I have checked all 3 credit files and there is nothing showing on any.

    If you do receive a letter, you send them a "prove it" letter - a template can be found in the sticky at the top of this forum section.  Basically, if you genuinely do not recognise the debt, the onus is on them to prove that you owe them something.

  • Martin_the_Unjust
    Martin_the_Unjust Forumite Posts: 927
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    …….and you really should block the number.
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