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Customer Portal

Make Payment

Account ID:
Our Client:
Current Balance:
Settlement Amount to Pay: Settlement Amount Paid:

Pay Online Now

If you wish to make a payment with your credit or debit card using our secure facility, press the continue button below (please note that if you use a credit card this may incur interest and fees and could potentially increase your overall indebtedness).

Alternative Methods of Payment

To see the ways in which you can make payments on your current balance, see our Help and Advice section. Please ensure that any payment you do make is affordable whilst maintaining your priority bills such as utility and mortgage payments.

Please enter as many of your card details as possible. All bold fields are required.

✔

  • Maximum Payment: .

  • If you do not wish to receive a receipt for your payment, please remove your email address from the above field.




Having Trouble Making a Payment?

If you are experiencing issues when trying to make a payment online, please Contact Us.

If you are currently unable to pay, consider visting our Help Page for advice.

Payment Accepted

Thank you for your payment, your account with us has now been paid, settled in full.
No further payment is required.

Thank you for your payment.

Your payment authorisation code is:

Please Click this Link if you wish to view or download your statement or Click Here to view your current account details.

Unable to Make A Payment

If this error is persistent, please try to Contact Us via an alternative method.

Download Statement

Click to view statement: Open Statement

Please allow a few moments for your statement to be displayed. If it does not appear above then select the "Download Statement" button to save it to your computer.  You can then open it in a program of your choice.

If you want to keep a copy of this statement for your records, select the "Download Statement" and save it to your machine.

Download Statement

If you are having trouble downloading your statement, please try to Contact Us.

Unable to Download Statement

If this error is persistent, please try to Contact Us via an alternative method.

Request A Callback

Opening Hours

Select Time

Please select the date and time you would like to be called back or select the "Call Me ASAP" box to receive a call back as soon as possible. All bold fields are required.

Callback Requested

Thank you for requesting a callback, an agent will be in contact at your specified time.

Callback Request Error

If this error is persistent, please try to Contact Us via an alternative method.

Download Mandate

No Standing Order Mandate available

You must have a valid arrangement in place to download a standing order mandate.  Click here if you wish to create a payment plan.

Click to open mandate: Open Mandate

Please allow a few moments for your standing order mandate to be displayed. If it does not appear above then select the "Download Mandate" button to save it to your computer. You can then open it in a program of your choice.

If you want to keep a copy of this standing order mandate for your records, select the "Download Mandate" and save it to your machine.

Download Mandate

If you are having trouble downloading your standing order mandate, please try to Contact Us.

Unable to Download Standing Order Mandate

If this error is persistent, please try to Contact Us via an alternative method.

Income and Expenditure

Please fill out as many fields as possible. Please note that all amounts entered should relate to the total income or expenditure of that type for a month.
Remember to save your income and expenditure by selecting the "Update Income and Expenditure" button at the bottom of this page.

Income:

Expenditure:

Disposable Income:

Income and Expenditure Updated

Thank you. Your disposable income is now: .

Unable to Update Income & Expenditure

If this error is persistent, please try to Contact Us via an alternative method.

Payment Plan

Current Balance:

Settlement Balance To Pay:

Disposable Income:

You must complete an Income and Expenditure form before creating a payment plan.

Installment Amount
Payment Due
Frequency
Payment Method

Make sure to send your payment for the next payment date of your arrangement. Visit our help page for more information on how to pay.

Click Here if you wish to view or download your standing order mandate.

Please Contact Us if you wish to update your payment plan or if you are about to miss a payment.

Your payment plan has a payment method linked. Money will be withdrawn at the next payment date.

Thank you for setting up a payment plan.

Your payment plan has no payment method linked.

Please consider filling out the form below to add a card to this plan and set up automatic payments.

Please Contact Us if you are about to miss a payment or would like to discuss updating your payment plan.

Our Bank Details

Bank
Account Name
Account No
Sort Code
For International Payments
IBAN
BIC

Remember to quote your reference number on the transaction.

Card Link Successful

Thank you, your card has been linked to the above arrangement

Link a Card to This Plan

Please enter as many of your card details as possible. All bold fields are required.

✔

  • If you wish to receive a receipt and the transaction authorisation number via email, please enter your email address in the above field.

By submitting this form you are agreeing to a continuous payment authority being set on your nominated account.

This means that you have authorised Opos to debit the above card with . The first payment will be taken on and thereafter according to your chosen frequency.

The transaction will appear on your bank statement as being taken by Opos Limited. You have the right to cancel this authority at any time simply by contacting us on or emailing us at general@oposlimited.com and requesting that payments cease.

We will attempt to take the payment from your card on the agreed date so you should ensure there are sufficient funds available.

Should this payment fail the CPA will be cancelled and the arrangement will have broken. This means that your account will show as having a defaulted payment arrangement. Therefore if you are struggling to stick to this arrangement it is important that you give us a call and we can discuss what options are available to you.

Having Trouble Linking A Card to this Payment Plan?

If you are experiencing issues when trying to add a method of payment online, please Contact Us.

  • Installment amount cannot be greater than your account balance of .

  • You cannot pay more than 75% of your monthly disposable income () in a given month.

Unfortunately it is not possible to create a new arrangement as you have not maintained your previous arrangements.

In order to create a new arrangement please firstly navigate to the Make A Payment area and make a payment for an amount which is affordable to you. You will then be able to create a new arrangement via this Make A Payment Plan area.

Alternatively call us on or navigate to the Real Time Chat facility during our operating hours (see contact us section) to speak with one of our trained agents who will be able to assist in resolving this matter.

Having Trouble Creating a Payment Plan?

If you are experiencing issues when trying to set up a payment plan online, please Contact Us.

If you are currently unable set up a payment plan, consider visting our Help Page for advice.

Update Payment Plan

All bold fields are required.

Unable to Create Arrangement

Your balance is too low to set up an arrangement online. Please call us on to discuss your options.

The ability to set up an arrangement online has been disabled for this account. Please call us on to discuss your options.

Your disposable income is too low to set up an arrangement online. Please call us on to discuss your options, visit our Help and Advice section for guidance, or update your Income and Expenditure when your circumstances change.

If this error is persistent, please call us on to discuss your options.

Help and Advice

Making a Payment

At Opos Limited we will provide you every means to make payment to us, quickly and securely.

Payment can be made to Opos via any of the following methods;

Access our payment line by calling . Please note all payments made via this method will be taken in British Pounds Sterling.

Manage your account and Pay Online Now by selecting the options down the left hand side of this page. You will need your letter to hand for your log in details.

Make a cash payment into our bank account by visiting any branch of the Halifax or Bank of Scotland and making a deposit into our account;

  • Account Name: Opos Limited
  • Account No: 10957067
  • Sort Code: 80-11-80

Remember to quote your reference number on the transaction.

Make a payment via bank transfer by setting up a Faster Payment or Standing Order to;

  • Bank: Bank of Scotland
  • Account Name: Opos Limited
  • Account No: 10957067
  • Sort Code: 80-11-80
  •  
  • For international payments:
  • IBAN: GB76BOFS80118010957067
  • BIC: BOFSGB21009

Remember to quote your reference number on the transaction.

Make a payment via bank transfer by setting up a Faster Payment or Standing Order to;

  • Bank: NatWest
  • Account Name: LENDING WORKS RETAIL CLIENT A/C
  • Account No: 21707723
  • Sort Code: 50-00-00

Remember to quote your reference number on the transaction.

I Have Multiple Debts and Need Advice

You can contact the following not-for-profit organisations for free, confidential, and impartial debt advice, or for details of where to get such advice in your area.

PayPlan
Opos Limited are proud supporters of Pay Plan and you can contact them for free, confidential and impartial debt advice either by visiting their website at www.payplan.com/opos-comms or by calling 0800 917 7823.

Citizens Advice
For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to www.adviceguide.org.uk

Money Advisor Network
The Money Adviser Network offers free debt advice backed by MoneyHelper. Provide your contact details in confidence and we'll connect you with a qualified and regulated money advice provider so you can get back on track. Visit www.adviser.moneyhelper.org.uk for more information.

National Debtline
If you live in England, Wales, or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information.

Advice NI
If you live in Northern Ireland, visit www.adviceni.net/advice/debt, or email debt@adviceni.net for debt advice.

AdviceUK
Member centres offer debt advice including specialist advice for minority communities and people with disabilities. For further information phone 0300 777 0107

StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org

Money Advice Scotland
The Money Adviser Network offers free debt advice backed by MoneyHelper. Provide your contact details in confidence and they’ll connect you with a qualified and regulated money advice provider so you can get back on track. Visit www.adviser.moneyhelper.org.uk for more information.

Glossary

Please refer to the below if you need any help understanding the terminology on our website.

Support for Gambling Problems

GamCare

GamCare is the leading UK provider of free information, advice and support for anyone harmed by gambling. Should you require support for a gambling problem please visit their website at www.gamcare.org.uk or contact them on 0808 8020 133

National Energy Action

Working across England, Wales and Northern Ireland, everything the NEA does aims to improve the lives of people in fuel poverty. They directly support people with energy and income maximisation advice and they advocate on issues including improving the energy efficiency of houses. Should you require their support, please visit their website https://www.nea.org.uk or contact them on 0800 304 7159

I Wish to Make a Complaint

As an ethical and professional credit management organisation, we take our responsibilities very seriously. Opos Limited are members of the Credit Services Association and abide by the code of practice, which can be viewed here: https://www.csa-uk.com/general/custom.asp?page=codesandstandards

We adhere to the standards and guidance set out by the Financial Conduct Authority source book, CONC.

We also hold an FCA Consumer Credit Licence (licence no. FRN 693817) and are registered with the Information Commissioners Office under the Data Protection Act registration no.Z1324098.

Please see the following document for further details on our complaints policy: https://www.oposlimited.com/customerAccess/resources/ComplaintsPolicy.pdf

If you have been unhappy with the level of service you have been provided by Opos Limited please either email us including all details of your complaint, and your reference number, ensuring you mark the subject header on your email as COMPLAINT to complaints@oposlimited.com or alternatively write to us at:

  1. Opos Limited
  2. 15 Meadowbank Street
  3. Dumbarton
  4. G82 1JR

Please always quote your reference number on any correspondence.

If more than eight weeks from the date of your complaint has passed and you haven’t received a final response, or you are dissatisfied with the final response you receive you can contact the Financial Ombudsman Service. Their contact details are:

  1. Address: Financial Ombudsman Service (FOS), Exchange Tower, London, E14 9SR
  2. Website: www.financial-ombudsman.org.uk
  3. Tel: 0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers) 0800 023 4 567 (calls to this number are now free on mobile phones and landlines)
  4. E-Mail: complaint.info@financial-ombudsman.org.uk
The Financial Ombudsman only has jurisdiction in respect of Eligible Complaints as defined by the Financial Conduct Authority rules and we can not guarantee that you are an Eligible Complainant. In any event, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of the final response letter. An explanatory leaflet/link will also be provided which provides further information about the Financial Ombudsman Service.

Complaints Data

I Can't See an Answer to my Question

No problem at all! The Opos team are on hand to answer any other questions you may have.

Simply call us on or email us at general@oposlimited.com.

Visit our Contact Page to view other ways of contacting Opos and for our opening times.

Contact Us

Opening Hours

Contact Details

Web ChatClick Here to Chat
Telephone
Emailgeneral@oposlimited.com
Post Opos Limited
15 Meadowbank Street
Dumbarton
G82 1JR

Privacy Policy

The Use of Cookies (1)

Like many other websites, we use 'cookies' to help us gather and store information about visitors to our website.  A cookie is a small file which asks your browser for permission to be placed on your computer's hard drive. Once you agree, the file is added, and the cookie helps analyse web traffic or lets you know when you visit a particular site.  Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We do not use persistent cookies i.e. those that are pushed out to a user's machine and stored. We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes. Overall, cookies help us to provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

How You Can Block or Remove Your Cookies (2)

You have the ability to change the settings on your internet browser to accept all cookies, to notify you when a cookie is set, or not to receive cookies at any time, although this may mean that some services on our sites cannot then be provided to you. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

For help in deleting Opos Limited cookies please refer to the relevant link below:

Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site and you will prevent us from obtaining valuable analytics information that helps us improve the content and functionality of our site.

Storing Your Personal Data (3)

Data that is provided to us is stored on our secure servers and backed up to the cloud in an EU member state. The transmission of information via the internet is not completely secure and therefore we can't guarantee the security of data sent to us electronically and transmission of such data is therefore entirely at your own risk. Where we have given you (or where you have chosen) a pin number so that you can access certain parts of our site, you are responsible for keeping this pin number confidential.

Disclosing Your Information (4)

Where applicable, we may disclose your personal information to any member of our Group. This includes, where applicable, our subsidiaries, our sister companies, our holding company and its other subsidiaries (if any). We may also disclose your personal information to third parties if:

  1. We sell any or all of our business and/or business assets to a third party;
  2. We are legally permitted to disclose the information in the pursuit of our lawful business activities;
  3. We are legally required to disclose your information; and/or
  4. To assist fraud protection and minimise credit risk

Third Party Links (5)

You may find links to third party websites on our website. These websites should have their own privacy policies, which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.

Access To Information (6)

The Data Protection Bill gives you the right to access the information that we hold about you. Should you wish to receive details that we hold about you please contact the Data Protection Officer, using the below details.

Contacting Us (7)

We welcome any queries, comments or requests you may have regarding this Privacy Notice. Please do not hesitate to contact us using the below details:

  • The Data Protection Office
  • Opos Limited
  • 15 Meadowbank Street
  • Dumbarton
  • G82 1JR

Fair Processing

Click to view letter: Click to view document.

Terms & Conditions

Terms and Conditions (1)

Please read this document carefully before accessing or using the various Opos Limited Web Sites (collectively, the "Web Site"). The use of this Web Site is subject to the terms and conditions set out below. A number of Opos Limited services are available at this Web Site and specific contractual terms apply to each of these services. Nothing on this Web Site shall constitute an offer by Opos Limited to provide any services to any person accessing this Web Site.

On accessing the Web Site on this and each subsequent occasion you will be deemed to have accepted all the terms and conditions that apply to its use. Opos Limited reserves the right to alter these terms and conditions at any time, and it is your obligation to check if changes have been made. Your use of this Web Site after changes are posted on-line shall constitute acceptance of the new terms and conditions.

Opos Limited does not warrant the completeness, timeliness or accuracy of any of the data and/or programs ("Information") available at this Web Site. The Information is provided "as is" and Opos Limited gives no warranties, conditions, guarantees or representations express or implied, that this Web Site will be available without interruption or that it is error, virus or bug free.

Intellectual Property Rights (2)

The contents of the Web Site are protected by international copyright and trade mark laws. The owner of the copyright and trade marks is Opos Limited or (as the case may be) Opos Limited Inc., or (in some cases) third party licensers. You may not modify copy, reproduce, republish, upload, post, transmit, or distribute, in any manner, the material on the Web Site, including text, graphics, code and/or software. You may print and download portions of material from the different areas of the Web Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the material.

Opos Limited is a registered trade mark of Opos Limited Inc. Other product or company names mentioned in the Web Site may be the trademarks of their respective owners. Nothing in these terms and conditions in any way confers on you any license or right under any trademarks, names or logos of Opos Limited or any third party.

Disclaimer (3)

Except as provided for in the contractual terms relating to the provision of each particular Opos Limited service, Opos Limited shall not be liable for any damages, including without limitation, direct, indirect or consequential damages, howsoever arising, out of your use of this Web Site.

Link Policy (4)

You are granted a limited, non-exclusive right to create a hypertext link to this Web Site found at www.oposlimited.com provided such link does not portray Opos Limited and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner, and is otherwise consistent with acceptable UK business practice and any relevant industry codes of practice. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any Opos Limited trade mark, logo or other proprietary information, including the images found at this Web Site, the content of any text or the layout / design of any page or form contained on a page without Opos Limited's express written consent. Except as noted above, you are not conveyed any right or license by implication, or otherwise in or under any patent, trade mark, copyright, or proprietary right of Opos Limited or any third party.

This Web Site may contain hypertext links to web sites operated by parties other than Opos Limited or its associated companies. Opos Limited does not control such web sites and is not responsible for their content. Opos Limited inclusion of hypertext links to such web sites does not imply any endorsement of the material contained on the web site or of the owners.

Confidentiality (5)

Comments, suggestions or materials sent or transmitted to Opos Limited (collectively "Feedback"), shall be deemed to be non-confidential. Opos Limited shall have no obligation of any kind with respect to such Feedback. By sending Opos Limited Feedback you grant Opos Limited an unrestricted, irrevocable license to use, reproduce, distribute, display and otherwise exploit the Feedback without limitation, including but not limited to developing and marketing products incorporating such Feedback. We will not without your written permission release your name or otherwise publicize the fact that you have submitted Feedback, unless we are required to do so by law.

Forgot Your Details?

Request Your Details

Please enter your details in the adjacent form. If we have any open accounts that match the details given, we will send you the Opos Reference Number and PIN for the relevant account. We will text you the details if you supply your mobile number, or email them to you if you enter your email address.

If you cannot find your details via this form, please call us on and one of our agents will be able to assist you in retreiving your details.

Request for Details Has Been Sent

 You should receive them shortly.

If you do not receive your login details, then please call us on and one of our agents will be able to assist you in retrieving your details.

Once you have recieved your log in details, please click here to log in.

About This Website

Who Are Opos

Opos Limited is a Credit Management company established in 2008 and based in Dumbarton, near Glasgow that aims to deliver a transparent and tailored service to a variety of business sectors and has a continued focus on its people and its systems.

If you have received a letter from us, we have been instructed to act on behalf of our client to communicate with you with a view to resolving the outstanding account you have with our client.

Our goal is to talk to you, so that we can understand your financial position and agree with you the best way to clear your account. We have a team of experienced staff waiting to assist you in settling your outstanding account or alternatively you can log onto your account and manage your account online by clicking on any of the options in the menu on the left hand side of this page.

At Opos Limited we want to find solutions to your outstanding account, so please take this opportunity to call us now on and let us help you get back on track.

Using This Website

The Opos website will allow you to view more details concerning your account with our client and view all of your options to resolve the matter. By logging into the website you can make payment to clear your account, update your income & expenditure, make a payment offer, request a call back, or tell us of any dispute you may have that is stopping you making payment.

The website is quick and easy to use, so why not try it today.

First of all you must ensure you have your letter to hand as this contains all of the information you will need to access your account.

Simply click the menu icon at the top left of the page to open the menu, where you can then Log In, View Your Account Details, and Make A Payment.

Raise a Complaint

If you feel dissatisfied with the service provided by Opos Limited or our client then please complete the below fields. The information will be forwarded to our Compliance Department who will thoroughly review the content and action your account. If the complaint meets the criteria set by the Financial Conduct Authority, you will receive written acknowledgement within 5 days. Our aim is to issue you with a Final Response within 4 weeks. If we cannot evidence any Material Inconvenience, Material Distress or Financial Loss within your complaint, we will inform you accordingly, and your complaint will be rejected.

Unable to Submit Complaint

Your already have an active complaint associated with your account. Please call us on to discuss your options.

Invalid Web Session, please log out an try again. If this issue is persistent, please call us on .

Raise a Dispute

Our operations team will take action on your account after the dispute has been fully reviewed. Depending on the outcome of the review, there are three possible scenarios:
  • If there is no action required based on the dispute, your account could be reopened.
  • If the information provided in the dispute justifies returning the account to our client, it will be closed.
  • We may place your account on hold and escalate the dispute to our client for further resolution.

Unable to Submit Dispute

You already have an active dispute associated with your account. Please call us on to discuss your options.

Invalid Web Session, please log out an try again. If this issue is persistent, please call us on .

Disclose a Vulnerability

Any Vulnerability disclosed will be treated as sensitive information and will be viewed by our agents when managing your account. This can help us take your circumstances in to consideration to ensure our agents handle your account as fairly and sensitively as possible.
Please note, all liable parties will be able to view this on your account. Your consent to note this information can be withdrawn at any time by contacting us. If you would rather speak to us directly you can do so by giving us a call on .

Authorise A 3rd Party

If you would like to authorise a third party to manage the account on your behalf, please complete the below fields. By completing the fields below, you grant the third party full access to your account. You do have the right to withdraw this authorisation at any time, this can be done by calling us on .

Communications History

Card Update

Unable to Update Card Details

Having Trouble Updating Card Details?

If you are experiencing issues when trying to update your card details, please Contact Us.

© Opos 2021. All Rights Reserved

Registered in Scotland with Company Number SC 338837

Company V.A.T. No: 935 0049 41

Authorised and Regulated by the Financial Conduct Authority, FRN 693817

Privacy Policy

Fair Processing

Terms & Conditions

Registered Address: Opos Limited, 2nd Floor, 15 Meadowbank Street, Dumbarton, G82 1JR