Debt Collection

"Since bringing Opos onto our panel of suppliers we have been thoroughly impressed with their dedication, knowledge and flexibility...no task has been too large and the level of deliverability is first class. They have provided tangible value to our panel already and we are excited about working closely with them in the future."

Business Process Outsourcing

"When we outsourced to Opos we were concerned if they would be able to compete with our long-standing providers…Fast forward six months and Opos are now the leading provider of collection services to our company. They have surpassed the performance levels of long standing providers and we consider them the most important aspect of our outsourcing model."

Debt Purchase

"As a new lender in the FCA world, we had serious reservations about outsourcing to an external servicer…Our minds were immediately put to rest when we saw the exceptional controls and oversight in place to ensure compliance & quality. Insight was the perfect solution for us, delivering everything we needed, confidence and re-assurance."

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About Us

Opos is a leading provider of debt collection and BPO services in the banking, utility, telecoms and retail finance sectors. We provide consumer and commercial collections expertise to a number of Key Clients within the United Kingdom, from our state of the art service centre in West Dunbartonshire.

Founded in 2008, Opos has grown from strength to strength in what is a highly competitive and stringently regulated environment through a continued commitment to excellence, development and an ethical approach to collections.

We are authorised and regulated by the Financial Conduct Authority. We are members of the Credit Services Association as well as founding members of the Scottish Compliance Forum.

Opos is proud to be a leader in driving best practice across the financial services industry and our tailored approach to each of our clients ensures that the best outcomes for them, and their customers, are at the forefront of every decision we make.

Our Services and Systems

Debt Recovery

Consumer
Collections

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    Dedicated, trained and highly experienced collection teams
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    Complete self-service website for customer interactions
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    Innovative approach to technology and customer engagement
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    Proven track record across a multitude of industry sectors
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B2B
Collections

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    The ability to litigate, with a specialist panel, on accounts where no payment is forthcoming
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    A fully integrated trace package that allows us to relocate businesses when they have moved premises
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    Immediate access to European wide commercial data which allows us to target accounts with a higher propensity for payment
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    The ability to pursue businesses, in conjunction with our European partners, which have absconded from the United Kingdom.
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Business Process
Outsourcing

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    Fully managed and experienced Credit Control Department
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    Fully integrated HR and Payroll Services
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    The ability to send your mail, in conjunction with our mailing partners, on your behalf. Eliminating your need for an internal function.
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    A dedicated and experienced customer support department
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History

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2008

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2014

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2016

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Insight logo

2017

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2018

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2020

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hands cradling consumers

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Icon of Arum Approved Servicer

2023

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2024

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2024

Some red bricks in a wall

2008

A short haired human icon

2009

A graph on the rise

2010

A fancy briefcase

2011

A big thumbs up

2012

A long haired human icon

2013

A truck shipping a house full of boxes

2014

A short haired human icon

2015

Callcent logo

2016

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2017

Insight logo

2017

A long haired human icon

2018

A truck full of boxes

2018

A long haired man

2019

A long haired man

2019

A house with user inside

2020

A long haired man

2020

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2020

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2021

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2021

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2022

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2022

A card with a lock

2022

A long haired man

2022

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2023

hands cradling consumers

2023

A long haired man

2023

A rising graph line

2023

An image of a computer

2023

A long haired woman

2023

A Living Wage Icon

2023

A long haired man

2023

Icon of Arum Approved Servicer

2023

Icon of The company The Investors in Young People

2024

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2024

Accreditations

Authorised and regulated by the Financial Conduct Authority
Credit Services Association logo
Proud members of the Credit Services Association
ISO-9001 certificate
Promoting Best practice in Quality Management with our ISO 9001 Accreditation
ISO-27001 certificate
Promoting Best practice in Information Security Management with our 27001 Accreditation
ISO-14001 certificate
Promoting Best practice in Environmental Quality with our ISO 14001 Accreditation
Collector Accreditation Initiative logo
Proud to have retained our ‘Company Accreditation' under the Credit Services Associations, CAI initiative.

Call us on 0141 428 3993
to discuss your Business Requirements

Our People

Our Team

Scott DawsonManaging and Technical Director

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Originally from a technical background, Scott has a great deal of experience in designing and writing software.  In addition to Opos Limited Scott also owns the debt purchase company Kapama Limited and the software house DDI Consulting Limited t/a DDI Software, a supplier of contact centre and debt collection telephony and software...

Originally from a technical background, Scott has a great deal of experience in designing and writing software.  In addition to Opos Limited Scott also owns the debt purchase company Kapama Limited and the software house DDI Consulting Limited t/a DDI Software, a supplier of contact centre and debt collection telephony and software.

DDI was formed in February 2005, following a period of time where Scott was working in the IT department of the BCW Group, a large Glasgow based debt collection agency (DCA).  In June 2008 Scott identified an opportunity to set up a DCA and registered Opos Limited.

Since 2008 Scott has built Opos Limited from a two collector operation into a 150 seat contact centre serving various high end brands.  As a result of Scott's technical background, the quality of Opos people is further strengthened by the continued focus on technical innovation.  The name Opos was in fact derived from 'Our People Our Systems', underpinning the company values and delivering great results for our client base.

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Fiona KennedyHead of Compliance

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Fiona joined Opos in June 2023 as Head of Compliance, bringing with her, 30 years of financial services experience...

Fiona joined Opos in June 2023 as Head of Compliance, bringing with her, 30 years of financial services experience.

She has worked in Collections and Recoveries for the last 12 years with Tesco Bank, firstly as a Team Manager in telephony, moving to Team Manager for the outsourcing team, and latterly as Relationship Manager for the DCAs, Debt Purchasers and Insolvency Practitioners on the Tesco Bank panel. She was heavily involved in the recent Tesco Bank project where the Collections and Recoveries area was fully outsourced.

Prior to this, Fiona worked for RBS stating in branch banking, following a career path through to Business Banking Relationship Manager.

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Steffanie WilsonOperations Manager

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Since starting with Opos, Steff has shown to be an integral part of the business and has quickly rose through the ranks from collections agent to becoming a key part of the senior management team....

Since starting with Opos, Steff has shown to be an integral part of the business and has quickly rose through the ranks from collections agent to becoming a key part of the senior management team.

Starting as a collector in the call centre she has developed through our leadership pipeline holding positions with Client Services, Recruitment and Training. Steff had studied IT and Web-design at college and expressed an interest in developing her skills. She was seconded to DDI to provide additional support to Margo with special projects. During this time, she worked closely with Margo to develop OurOpos. OurOpos is our Electronic Learning Development and Assessment Centre.

In January 2018 Steff was promoted to Business Support Manager and is now fully committed to continuous improvement. Steff is now taking the next step to developing her skill-set and has been enrolled in an industry approved accountancy course.

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Stuart MilbyIT & Facilities Manager

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Stuart joined Opos in 2019 working as a collections agent, after 3 months on the call floor Stuart was offered an opportunity to work in IT...

Stuart joined Opos in 2019 working as a collections agent, after 3 months on the call floor Stuart was offered an opportunity to work in IT Support training under the Managing & Technical Director Scott Dawson.

After a year of training in IT Support under Scott and alongside the DDI team Stuart progressed to IT Manager, soon thereafter also picking up the duties of Facilities Manager.

He is continually working to ensure Opos' ability to function securely and without interruption, while improving Opos' networking infrastructure.

Since his appointment to the IT Manager position Stuart has helped move the entire business to a Home Working environment during the lockdowns in 2020-2022, he has maintained Opos's ISO 27001 standard and has delivered Cyber Essentials Plus to the business.

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Lewis MitchellComplaints and Quality Assurance Executive

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Lewis joined Opos in November 2021 as a collection's agent having previous experience in customer services roles...

Lewis joined Opos in November 2021 as a collection's agent having previous experience in customer services roles.

After showing his abilities in his role as a collection's agent, Lewis was offered a position within the Business Support Team in January 2022, where he assisted in managing customer correspondence and supported in day-to-day tasks.

Lewis quickly completed his SCQF level 6 apprenticeship in Business Administration and in March 2023 he was offered the role of Complaints and Quality Assurance Executive.

Having stepped into the position of Complaints and Quality Assurance Executive, Lewis is now working along-side the Head of Compliance, Fiona Kennedy, to ensure all complaints are properly handled in a timely manner and assisting in maintaining the high-quality standards that Opos holds itself to.

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Ross DochertyCollections Manager

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Ross joined Opos as a Collections Agent in October 2019...

Ross joined Opos as a Collections Agent in October 2019. Ross quickly worked his way up to a Team Captain by January 2020 and was responsible for the day-to-day oversight of one of our BPO teams.

Ross remained a Team Captain until June 2020 where he then progressed to a Team Leader position. This role seen him responsible for the management of the agents on the collections floor.

In January 2023 Ross was promoted to the position of Collections Manager and joined the Senior Management Team. In this new role Ross has overall responsibility for the collections team. In addition to this Ross is supporting in strategy development and deployment for new and existing clients and heading up recruitment of new employees.

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Call us on 0141 428 3993
to discuss your Business Requirements