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How it works

1

Take it at your own pace

No deaf ears, no heavy hammers. Just an understanding, flexible approach.
Get started

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Get support at every step

No matter what you’re going through, get as much (or as little) support as you need.
Get started

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And if life gives you lemons...

Skip or pause payments if you need to. We only ask you to pay what you can afford. 
Get started

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Ready to get started?

Pop in your reference code to activate your online account.
Get started

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How it works

1

Take it at your own pace

No deaf ears, no heavy hammers. Just an understanding, flexible approach.
Get started
1
2

Get support at every step

No matter what you’re going through, get as much (or as little) support as you need.
Get started
2
3

And if life gives you lemons...

Skip or pause payments if you need to. We only ask you to pay what you can afford. 
Get started
3
4

Ready to get started?

Pop in your reference code to activate your online account.
4
We work with leading companies to help their customers in debt get back on track.
Why have we contacted you?

A company you owe money to has asked us to help you clear your debt. It's normal to feel a little anxious, but we’re here to find a solution that works on your terms.

Get started
Why have we contacted you?

A company you owe money to has asked us to help you clear your debt. It's normal to feel a little anxious, but we’re here to find a solution that works on your terms.

Get started

Join the journey to
debt-freedom

We’re proud to have helped thousands of people tackle debt and improve their financial wellbeing.

Clarity, for your finances and future

Owing money can impact more than just your bank balance. Managing your debt with us will bring peace of mind,
so you can focus on a financial fresh start.
Using Ophelos can help you to:
01

Improve your credit score

02

Gain access to future loans

03

Budget for your future

Get started

Got questions?

Check out our FAQs or chat to our customer care team.
Help centre
What is Ophelos?

Ophelos is a digital debt collection service. We work with companies to help their customers repay debt. We believe in a new kind of debt collection — one that works on your terms, with no hidden costs and an approach that puts you first.

How do I set up a payment?

You can set up a payment from your online account. To get started, log in using your reference code. In your account, you’ll be able to see your debt balance, browse your payment options and enter your payment details.

How do I find my reference code?

You can find your 6-digit reference code in any email, text or letter from us. You will need your reference code to activate your online account.

I can't afford to pay right now, what can I do?

We understand everyone's financial situation is different. If you can’t afford to start paying back your debt right now, let us know. Log in to your account and get in touch with us via our live chat.

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© 2025 Ophelos Ltd. All rights reserved. Ophelos Ltd is authorised and regulated by the Financial Conduct Authority (Ref. 935242), registered and incorporated in England and Wales (Company no. 12185588). Our registered office is: Ophelos, 1 Finsbury Avenue, London, EC2M 2PF, United Kingdom