The Ultimate Guide to ARC Europe Ltd Debt Collectors

Have you been contacted by ARC Europe Ltd about your unpaid debts, and you’re unsure of what to do?

Keep reading this ultimate guide to ARC Europe Ltd to find out everything you should need to know before repaying your debts.

You will learn everything from who the company is, all the way to what the best thing for you to do if you have been contacted.

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While being in debt can be daunting in itself, having ARC Europe chasing you up on repayments can bring lots of unwanted anxiety.

When you finish reading our ultimate guide, you will find out that dealing with debt collectors doesn’t have to be as difficult as you think.

Who is ARC Europe Ltd?

ARC Europe is a UK-based debt collection company, based in Walton On Thames, which works on behalf of leading household names to chase up and organise outstanding unpaid debts.

Some companies that ARC Europe collect for are:

  • David Lloyd
  • Quickquid
  • LA Fitness
  • LV Insurance

Working for nearly twenty years over a variety of industries and sectors, ARC Europe provides tailored strategies to ensure they support every client substantially.

How do I get in contact with ARC Europe?

Are they a legitimate company?

ARC Europe is a legitimate company!

They are regulated and authorised by the Financial Conduct Authority (FCA), OFCOM, and the Information Commissioner’s Office (ICO).

ARC Europe Ltd is fully authorised and regulated by UK regulatory and Statutory bodies with the registered number 4214145.

Why is ARC Europe contacting me?

If you are being contacted by ARC Europe, the chances are, you owe money and need to pay it back promptly.

You may not know ARC Europe as a company, making you uncertain on whether to trust their facts, however, you should recognise one of their clients.

This company will be contacting you on behalf of their clients (independent businesses) to chase up debts.

It is not wise to ignore ARC Europe as they could take legal action. It can definitely be tempting to not pay, as the majority of debt collection companies tend to be rude to people in the urge of getting repaid.

What do I do next?

If you have been informed by ARC Europe that you owe money to one of their clients it is important that you take it seriously.

Firstly, you should check that you truly owe the money. Although it is rare, occasionally a debt collection company could get the wrong person.

To check it is definitely you that owes the money, you should contact ARC Europe and insist on gaining a copy of the credit agreement- without gaining a copy of your agreement and proof of debt, you have no obligation to pay.

Once you have been confirmed the debt is yours, you should aim to pay as quickly as possible- otherwise, some debt companies can add additional fees.

What can ARC Europe do?

You might think that because this company can not take legal action if you don’t believe you truly owe the money… you should understand, they can.

This debt collection company can take various actions if you are refusing to pay, here are a few:

  • Send collection agents to your home (if you have failed to repay debts), this requires a notice period of 7 days.
  • They can send you letters, emails, and calls regarding your debt (you can request for these to be stopped)
  • They can apply for County Court Judgement- which, if successful, would force you to pay.

What should ARC Europe do and be like?

There is a set of guidelines that debt collection companies must stick to:

  • Be considerate towards debtors and take circumstances into account.
  • Be completely transparent about the debt owed.
  • Not use any technical jargon to confuse the debtor.

What can ARC Europe NOT do?

Legally, ARC Europe Ltd can not:

  • They can not enter your home if you refuse their entry.
  • You can also ask them to leave, and they MUST.
  • They can not seize any goods and sell them.
  • They can not lie about their job or identity- they must show their credentials when requested.
  • They can not call you when you have requested them to stop calling.
  • They can not involve a third-party member in your debt as this breaches privacy laws.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.

Debt Collectors

Before speaking and dealing with a debt recovery company we strongly advise you speak to the debt advisor and take the debt quiz.

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