For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


Arc Europe Ltd Debt Collection – Should You Pay? 2022

ARC Europe Ltd Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Arc Europe Ltd Debt Collection

You May Not Have to Pay Arc Europe Debt Collectors!

Are you being hassled by Arc Europe Ltd Debt Collection?

Do you owe money you can’t repay? Are you being asked to repay debts you don’t owe? Are you being threatened with court action?

If any of these questions relate to you, then you might not need to pay them back!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Don’t worry, here’s what to do!

You could get rid of Arc Europe by writing off some of your debt.

There’s several debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.

Fill out the 5 step form to get started.

Arc Europe Ltd Debt Collection

Who are Arc Europe?

ARC Europe Limited are a UK-based private limited company located in the Walton On Thames area. They have been operating since 2001. Arc collect debt for companies like LV Insurance, Quickquid, LA Fitness, David Lloyd and others. They are also known for buying debt which means that they buy your debt for cheap and try to get it back to make a profit.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started
Learn how to fight back!

Are Arc Europe credible?

Yes, ARC Europe are a debt recovery and debt purchase business operating across the financial services, leisure, insurance and healthcare industries.

They also purchase debts from other debt collection agencies including the Arrow Group. They are authorised and Regulated by the Financial Conduct Authority. ARC Europe Limited are a small and profitable company with a turnover of less than £10 million per annum.

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

Have you received a letter from this debt collector? I’ll buy it off you for £5

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.

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

Fill out the short form

The business model of these agencies relies on purchasing debt at a fraction of its face value, possibly for as little as 20% of the face value, and making a profit by collecting the debt at (or close to) its full value.

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) acknowledged that such poor practices “appear to be widespread”.

Read what to do if you can’t pay back your debt.

Check if you really owe the money!

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.

It is quite likely that the original debt, if there was one, has been inflated by various charges and interest. It could be substantially more than you believe you owe.

You should write to Arc Europe Ltd Debt Collection and demand a copy of your original credit agreement. If they are unable to provide this you have no obligation to make any payment to them..

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.

ARC Europe debt chasing

Can pay but won’t pay?

If you really do owe the money, then the road of least resistance is to repay the debt if you are able to do so.

If you can’t afford to repay it, or if doing so would prevent you from servicing more important credit such as your rent or mortgage, then try to make some arrangement with Arc Europe Ltd Debt Collection.

You could perhaps offering them a partial repayment.

How debt collectors can ruin your life

What can ARC Europe Limited Do?

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.

Debt collectors cannot force their way into your home and they also don’t have the authority to seize goods and sell them off the way bailiffs do.

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.

arc europe limited kent house

How debt collectors can ruin your life

It isn’t unusual for debt collectors to employ questionable tactics that may or may not fall foul of the law. This might include pressuring and bullying threats, frequent phone calls sometimes made to your workplace and empty threats.

It can prove almost impossible to get the debt collectors called off. Victims say they have suffered sleepless nights and been afraid to open their doors in case bailiffs turn up.

Being pursued by Arc Europe Ltd Debt Collection could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide.

According to the debt support trust, almost half of people who struggle with debt at some point consider suicide, and it was recently reported that a coroner raised concerns over debt-collection agency’s practices following the suicide of a debt-ridden courier.

In their report into mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded:

“Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”.

They called upon the government to tackle the problem of irresponsible lending and intimidating collection tactics.

Arc Europe and the law

Arc Europe Ltd Debt Collection and the law

The Office for Fair Trading (OFT, 2012) has published a set of guidelines for the debt collection business. To summarise these, Arc Europe Ltd Debt Collection should:

  • Treat debtors fairly and not use aggressive practices, coercion, deceit, or be oppressive, unfair, or improper
  • Be transparent and provide clear information that is not confusing or misleading
  • Be considerate towards debtors experiencing difficulty
  • Act proportionately taking into account debtors’ circumstances.

If you are being intimidated by Arc Europe Ltd Debt Collection who are not abiding by these guidelines, then you have a good case for reporting them to the OFT which has the power to remove their license.

Complaints about the tactics used by debt collection agencies and bailiffs themselves soared 77 per cent from 864 to 1,529.

To make a complaint about Arc Europe Ltd Debt Collection, you can use this online complaint form.

Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. That is a clear case of deceit, though they are likely to claim that this information appears in the small print.

Understand how they operate

Understanding how Arc Europe Ltd Debt Collection operates

Understanding how debt collection agencies operate can help you defend yourself against them.

They are on a bonus

The Arc Europe Ltd Debt Collection agents who phone you are likely highly incentivised and are expected to collect a specified minimum amount of money per hour. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. Hence, they will do what they can to collect some money rather than record a “No Payment” call, including making intimidating and threatening behaviour.

The lesson here is if you are able to be strong and stand up to threats from Arc Europe Ltd Debt Collection, knowing that their threats are empty, you can to some extent turn the tables. Keep them talking but just don’t pay. You will still owe the money, but at least you won’t have to pay that day.

Automated call technology

You might be tempted to simply not answer calls from Arc Europe Ltd Debt Collection, but when this happens agencies often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer. Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you.

If this happens to you make a note the frequency of the calls. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. Tell the agent that you will be reporting them to the Financial Ombudsman.

The best way to contact the Financial Ombudsman is by phone on 0800 023 4567 or 0300 123 9123

Bad cop, good cop

Bad cop, good cop is a tactic frequently employed, and often is highly effective. When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. This change in attitude can happen in a single phone call where the agent starts off politely but should you fail to make a payment their behaviour becomes abusive. Nor is it just relentless phone calls. Frequent threatening and sometimes sinister letters are another common practice. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment.

It is difficult to stand up to such behaviour, which is exactly why they use it. But again, you should try to stay strong if you possibly can. Report it to the OFT using this online complaint form.

Embarrassing you by talking to third parties

If someone apart from you answers the call then agents frequently attempt to embarrass you by discussing your debt and financial problems with whoever answers the call. This could be a family member at your home, or it could be someone at your workplace. This is certainly illegal behaviour and breaches not only OFT guidelines, but also other privacy laws.

Again, such behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Deceit and Lies

Deceit and lies

If everything else fails some debt collectors feel they are immune from the law and will apply some very nasty forms of leverage. They might pretend to be calling from the court, that they are a bailiff and will be visiting your home to remove your possessions, possibly even threatening you with criminal prosecution.

Never give them permission to visit you and if they do then never let them into your home and if you feel physically threatened then don’t hesitate to call the police.

Don’t let them wear you down

As we have seen, debt collectors such as Arc Europe Ltd Debt Collection are relentless and their behaviour could be responsible for mental ill-health and even suicide. Standing up to Arc Europe Ltd Debt Collection requires a degree of strength and courage few people possess. But there is help out there. Ultimately you need to get out of debt, but you need to do so in a controlled manner that will minimise your pain and distress. Ultimately all debt problems are solvable.

Getting help with debt

There are various kinds of help with debt available: there are not-for-profit agencies who exist to provide one-to-one help for you, and there are commercial debt management companies whose aim is to make money out of you. The former should be your first port of call. Some of the important agencies include:

  • Citizens Advice Bureau (CAB) provides extensive help with debt and should help you stop debt collectors contacting you if you are able to show you are seeking help and are trying to repay your debts.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take charge of their debt.
Writing off your debt entirely

Writing off your debt entirely

It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA). This is a formal agreement to pay the debt collectors an amount you can afford as a one-off sum or as monthly payments and the rest of the debt will be written off after a defined period, usually five years. This must be carried out by an insolvency practitioner.

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.

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.

make arc europe payment


Despite warnings from professional bodies, government guidelines, and other measures the behaviour of many debt collecting agencies is atrocious, leading vulnerable debtors into mental illness and even suicide. However, it is possible to fight back, especially with some help from the agencies mentioned in this article. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. Certainly, you can stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence.

Arc Europe Ltd Contact Details

Company Name: Arc (Europe) Ltd

Other Names: ARC, ARC Debt Collectors

Kent House
Churchfield Road
KT12 2TU

Phone: 01932 251000


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:



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.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


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

CONC 7.9 Contact with customers


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring