Who Called Me from 03450020192?

The company who called you from 03450020192 is Arvato Debt Collectors. They will call to collect payment for council tax, and they sometimes work for well-known credit card issuers too.

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:

Find your best debt solution

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

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/transferred 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 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 – if 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 sold 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.
03450020192 Debt Free

How to deal with Arvato Debt Collectors? 

I’ve written a 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

Find your best debt solution

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 the law allows and what you can do to avoid exploitation by these debt collectors: 

Arvato Group Debt Collection Contact Details:

Phone number:

  • 03450020192
  • 0345 002 0192
  • +443450020192 
  • 443450020192


24 George Square, Glasgow G2 1EG

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more