Who Called Me from 03445714267?
The company who called you from 03445714267 is Arvato Financial Debt Collection. They work across the UK to collect debts relating to council tax and money you owe to utility providers such as water companies.
Don’t worry, here’s what to do
You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:
Reasons why you were called by 03445714267
Arvato could call you from several numbers. The main reasons they call people are:
- To collect payment – by this point, you should have received a letter in the post from both your original creditor and Arvato notifying you that the debt has been purchased or the collector has been assigned to recover your debt.
The main focus of a follow-up call is for them to clearly state how much you owe and to request that you make a card payment over the phone to cover the full amount. If you are unable to pay the entire outstanding balance then often they will request that you agree to pay monthly instalments until the debt is settled.
- To get more information – if you claim to be unable to pay the debt in full and you do not agree to pay monthly instalments then the second priority for Arvato is to request more information from you. This information will primarily consist of the reasons you are unable to pay, including the details of your income and living expenses, alongside any details that may help them recover the debt in the future.
- To intimidate you – People will often do their best to ignore their letters and avoid phone calls. However, debt collectors know that unlike letters, ignoring phone calls is more difficult and they will therefore call you on multiple numbers to pressure you into accepting ownership of the debt. They can then use this to manipulate you into paying an amount that you perhaps can’t afford.
If their phone calls fail to persuade you that the situation is now closer-to-home then they may exaggerate what might happen if you continue to ignore the debt by threatening home visits and CCJs. Although, this could happen, their calls ultimately aim to scare you into paying the debt.
How to Stop Arvato Financial Debt Collectors?
I’ve written a comprehensive guide about what to do when Arvato Financial contact you and ways that you can stop them in the article linked below:
Find your best debt solution
Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.
Should you ignore Debt Collectors?
You can watch this video to learn what’s allowed as per the law and what you can do to avoid exploitation by these debt collectors:
Arvato Financial Debt Collection Contact Details:
- 0344 571 4267