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Arc Europe Ltd Debt Collection – Should You Pay?

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By
Scott
Scott Nelson Profile Picture

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
&
Janine
Janine Marsh Profile Picture

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
· Feb 6th, 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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ARC Europe Ltd Debt Collectors

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.

Are you being chased by Arc Europe Ltd Debt Collection? Don’t worry, you’re not on your own. Each month, over 170,000 people come to our website for advice on debt issues. We’re here to help you figure things out.

In this article, we will talk about:

  • Who Arc Europe are and if they are a real company.
  • Why Arc Europe might be trying to get money from you.
  • If you really owe them any money.
  • What Arc Europe can do if you can’t or won’t pay.
  • Ways to stop them from bothering you and how to get help with your debts.

Research shows that 64% of UK adults find interactions with current debt collectors stressful1. Our team knows what it’s like to be chased for money you can’t pay. We understand how you feel and want to share useful information with you.

We’ll tell you all you need to know about Arc Europe Ltd Debt Collection and what you can do in this situation. 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.

Why you are being contacted by Arc Europe Ltd Debt Collection?

Make no mistake – the debt collection business is huge. Debt collectors like Arc Europe Ltd come in several forms…

Many debt collection agencies are independent businesses; some may also be a business arm of a creditor, such as a credit card company (sometimes hiding their real identity – see below); there are even individual sole trader debt collectors.

Debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1!2

There are few morals involved; as far as they are concerned it is you who ran up the debt and you who is responsible for repaying it. They care nothing about you and your personal circumstances.

Simply put, they tend not to be nice people. The Office for Fair Trading (OFT, 2010)3 acknowledged that such poor practices “appear to be widespread”.

Your Rights With Debt Collectors

Unfortunately, debt collectors will try to intimidate you to make you pay. While this is common, it’s crucial to keep in mind that they cannot harass you.

Here’s a quick table that explains what debt collectors are not allowed to do. If you’d like to learn more about your rights, make sure to check out 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.

Check if you really owe the money

Are you sure you really owe the money? The first thing to establish is where the debt started and how much you really owe.

Sometimes mistakes happen and Arc may be chasing you, thinking that you are someone else. So I always recommend asking for proof that you owe the debt before you make a payment.

If Arc can’t or doesn’t provide you with proof that you owe the debt, you are under no obligation to pay it.

If they do prove that you owe the debt but you know that it’s been a while since you made a payment towards it or wrote to your creditor about it, stop for a moment and think. You need to find out if the debt has been statute-barred.

If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.

This means that the debt is not enforceable. It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced.

Keep in mind that not all debts become statute-barred!

Any HMRC debts, for example, will stay enforceable for decades. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will always be enforceable. 

But if Arc can prove that you owe the debt and it is not statute-barred, unfortunately you probably are going to have to pay. Now might be a good time to consider a debt solution.

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

Making a payment

To make a payment to the Arc Europe website, click ‘quick pay’ and enter your ‘Arc reference number’. You will also need your last name and date of birth.

What can ARC Europe Limited Do?

» TAKE ACTION NOW: Fill out the short debt form

A limited range of things. There are a number of actions that ARC Europe Limited can take if you don’t pay back your debts. That being said, you need to keep in mind that they are still a debt collection agency.

This means that their powers are only limited to what debt collectors can do. This is essentially nothing different from what your original creditor could do. They are not even allowed to make phone calls to you if you inform them that you don’t prefer it. In order to stop phone calls from ARC Europe Limited, all you have to do is inform them via letter that you don’t prefer being contacted via phone. They will be obligated to communicate via letters with you from then on.

ARC Europe Limited can send debt collection agents to your house if you fail to make your debt repayments. However, they are obligated to give you prior notice of this at least 7 days before a debt collector visits your residence.

Please note that debt collectors don’t have any extra-legal authority and you don’t have to let them into your house. In fact, you don’t even have to open the door if you don’t want to.

I recently spoke to the Mirror about debt collectors and bailiffs. While a bailiff may be permitted to take your possessions, a debt collector never can. All they are allowed to do is ask for a payment.

A debt collector must never lie about who he or she is. They need to be clear and loud about who they are and they must show their credentials upon request.

Debt collectors are also required to leave your residence if you ask them to.

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.

Get started

Reviews shown are for The Debt Advice Service.

Writing off your debt entirely

It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA).

Arc Europe Ltd Contact Details

Website: https://www.arceuropeltd.co.uk/
Phone:  01932 251000
Opening hours: Monday – Thursday: 8:00 am – 8:00 pm
Friday: 8:00 am – 7:00 pm
Saturday: 9:00 am – 13:00 pm
Numbers they call from: 01932251085
08452707365
Address: Kent House, Churchfield Road
Walton-on-Thames, Surrey, KT12 2TU

Arc Europe Complaints

If you think that Arc Debt Collection has been unreasonable or behaved inappropriately, you can make a complaint. You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.

Make your first complaint to Arc directly so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.

You can make any secondary complaint to the Financial Ombudsman Service (FOS). They will investigate and, if your complaint is upheld, Arc Europe may be fined. You could even be owed compensation.

Other Debt Collectors 

You should check for more outstanding debts that you may have with other companies or debt collectors. Here are four steps you could take: 

  1. Check your credit report for other defaults 
  2. Check your email and post for reminders or overdue notices
  3. Check the court records for CCJs against you
  4. Check your bank statements for the names of other debt collectors 

There are hundreds of debt collectors in the UK and each works with different companies to collect debts.

For example, Cabot Financial have been known to collect for the DVLA while Lowell Financial and PRA Group buy debts from various credit card companies like Barclaycard.

If you see a name on your bank statement that you don’t recognise then you can search MoneyNerd to see if they’re a debt collector. 

FAQs

Who owns ARC (Europe) Ltd?
ARC (Europe) Ltd is a private limited company. Dewi Rhodes Fox has a controlling shareholding in the company.
Are ARC (Europe) Ltd financially regulated?
ARC (Europe) Ltd’s Financial Conduct Authority registration number is 716072. They are registered in Surrey under the name Martin Wicks.
Do HMRC use ARC (Europe) Ltd?
As of 2020 , ARC (Europe) Ltd is not one of the 11 debt collection agencies working on behalf of HMRC. They should not be contacting you about money owed to HMRC.
Does ARC (Europe) Ltd buy debt?
ARC (Europe) Ltd primarily collects debts for other organisations, although the company has been known to buy debts at discounted rates.
What happens if you ignore debt collectors?
If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.
Can ARC (Europe) Ltd take you to court?
ARC (Europe) Ltd can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.
Can you go to jail for debt collections?
You cannot go to jail for debts owed to debt collection agencies.
What happens if I ignore a CCJ?
If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.
Can ARC (Europe) Ltd issue a warrant?
ARC (Europe) Ltd cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.
Are ARC (Europe) Ltd bailiffs?
ARC (Europe) Ltd are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.
Can ARC (Europe) Ltd come to your house?
ARC (Europe) Ltd have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.
Can ARC (Europe) Ltd force entry?
ARC (Europe) Ltd cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.
Will ARC (Europe) Ltd give up?
ARC (Europe) Ltd won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.
Can a debt be too old to collect?
A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.
How long can you legally be chased for debt?
As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.
Are debts ever written off?
Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.
How do I contact ARC (Europe) Ltd?
ARC (Europe) Ltd has a live chat facility on its website, or you can contact ARC (Europe) Ltd via email. If you’d prefer, you can phone, although ARC (Europe) Ltd’s phone number is not a freephone number. You can also write to ARC (Europe) Ltd by post.
How do I pay ARC (Europe) Ltd?
ARC (Europe) Ltd accepts card payments either online or by phone. You can also set up a direct debit or standing order, pay in cash or cheques at a Barclays branch, or send a cheque or postal order.
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. Jubilee Debt Campaign
  3. OFT1274 – Debt management guidance

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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.