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03450020192 – Who Called? Stop Arvato Debt

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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
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Janine
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Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Mar 1st, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Have you received an unexpected call from 03450020192? This number is linked to Arvato, a debt collection company. You’re in the right place if you’re unsure about this call and what to do next.

Each month, over 170,000 people visit our website for advice on dealing with issues such as this. You’re not alone in your situation. 

In this easy-to-understand guide, we’ll cover:

  •  How to confirm if the debt Arvato is calling about is yours.
  •  The reasons why you might have been contacted by 03450020192.
  •  Actions to take when dealing with Arvato Debt Collectors.
  •  Ways to possibly reduce some of your Arvato debt.
  •  What to do if you are struggling with debt you can’t afford.

We understand how confusing and scary it can be to receive a call from Arvato. After all, nearly half of individuals who deal with debt collection agencies have experienced harassment or aggression1.

Some of us have faced similar situations with debt collectors, so we’re here to help. Ready to learn more about how to handle calls from 03450020192 and stop Arvato debt? Let’s get started!

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Reasons why you were called by 03450020192

Arvato could call you from several numbers. The main reasons they call people are: 

  1. To collect payment – Before being called, Arvato Financial, alongside your original creditor, should have sent you a letter stating that the debt has been purchased/transferred2 to the debt collector. If you haven’t received this notice, you have a right to complain.

    With this formality having already taken place, Arvato will call you from 03450020192 with the sole aim of getting you to pay the debt there and then over the phone. This will be a request that you make a card payment covering the full amount or that you arrange to make monthly payments until the debt is settled.

  2. To gather more information – The average unsecured debt amount has increased by 27% year-on-year (to £16,174).3 So, many people struggle with debt. If that’s your case, and you cannot pay, then Arvato want to ensure this is the truth by asking you to send them your entire income and expenses, accurately representing that you are unable to pay the debt. With this information being gathered, Arvato will then try to gain a greater understanding of your situation by asking details about your living situation and whether you own any items of value that could be sold4 to cover the debt, such as a car or expensive TV.

  3. To intimidate you – Thousands of people across the UK find it easy to ignore debt collection letters as they are often just automated attempts to contact you and seem to hold little weight at first. Debt collectors like Arvato understand this, so they will follow up with a phone call to make the situation more personal and to increase the pressure to pay.

    Part of this pressure will include Arvato exaggerating the extent of the situation by threatening court action and home visits during this phone call. Whilst this is a realistic scenario further down the line, it is also just an effort to get you out of your comfort zone so that you pay up sooner rather than later.

Your Rights With Debt Collectors

While Arvato may try to intimidate you, they’re not allowed to harass you.

We’ve put together this quick table that will help you understand what debt collectors can and can’t do. This way, you’ll be able to prevent unfair treatment. To learn more about your rights, please read our detailed guide.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

Remember, debt collectors can’t enter your home or take any of your possessions. If they’re harassing you, you can make a complaint.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Should you ignore 03450020192?

We always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it or they can’t charge you.

You can watch this video to learn what the law allows and what you can do to avoid exploitation by these debt collectors: 

» TAKE ACTION NOW: Fill out the short debt form


How to deal with Arvato Debt Collectors? 

We’ve written an extensive guide about what to do when Arvato contact you and ways that you can stop them in the article linked below:

Arvato Group Debt Collectors – How to Stop Them

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Arvato Group Debt Collection Contact Details

Address: 24 George Square, Glasgow, G2 1EG
Website: https://finance.arvato.com/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
  2. StepChange – Dealing with debts sold to collection agencies
  3. StepChange Personal Deb Statistics in Scotland 2022
  4. Citizens Advice – Check what bailiffs can take
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.