Arvato British Gas – Should I Pay or Ignore? 2022
For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.
Feeling the heat from Arvato about a British Gas debt? You’ve come to the right place. We’re here to provide clarity and support when dealing with an Arvato British Gas debt. Find out key information and your rights when dealing with this debt collection group, right here.
Beating Debt Collectors
There are several ways to deal with Arvato debt collectors and improve your finances.
Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.
It’s always best to find out about all your options from a professional before you take action.
Fill out the 5 step form to get started.
What is a British Gas debt?
A British Gas debt is when you fall behind on your energy payments to British Gas. These are also known as account arrears. It can be difficult to keep on top of household utility payments because these bills aren’t typically the same each month. You might not know what your next bill will be, so you end up getting caught short.
Some energy companies now offer to “smooth out” payments, which is where they work out your average monthly bill and only charge you this amount no matter how much energy you use. So you always know how much your bill will be and it’s less likely you’ll enter into account arrears.
However, you may have to make up any difference between projections and actual use at the end of each year.
What debt collection agency does British Gas use?
British Gas can outsource the process of recovering account arrears to a debt collection agency. They might use different debt collection agencies to chase unpaid arrears at different times.
They are well known for using Arvato Financial Solutions, but a blog post from Money Saving Expert states they also use PRAC Financial and BW Legal.
Who is Arvato British Gas?
Arvato is a financial solutions and credit management company that works with international clients. They have a head office in Glasgow and are known to chase debts owed to British Gas. Their full company name is Arvato Financial Solutions.
“Yesterday, a man was on my doorstep asking me for £635.16 that I apparently owe to British Gas. Firstly, I am not a BG customer, I am with SSE. Second, this amount of money is the amount of electricity I managed to use in 41 days, while not even in the property.”
- Anon (Reddit)
Hi, we had a bailiff from this company knock on our door last week due to a British Gas bill that was 32 days past due. […] The woman at BG couldn’t say whether it would be enough to call off Arvato. I’m scared of them coming back now […]
- Mrs Aitch (Money Saving Expert Forum)
Although they are essentially a debt collection agency, there are multiple reports like the ones above of their staff coming to debtors’ homes. Although there is technically no law against them knocking on your door for a chat, you are well within your rights to ignore them and ask them to leave.
They are not enforcement officers (bailiffs!) working to enforce court orders, so you don’t have to speak to them and they cannot come into your home without permission. If they try to give the impression that they’re enforcement officers, you can report Arvato to the Financial Ombudsman Service (FOS).
Have you received an Arvato Debt Collection British Gas letter?
If you receive an Arvato British Gas debt letter, you might be hit with a wave of worry and anxiety. These letters can be scary because they’ll request immediate payment and simultaneously threaten you with legal action if you don’t pay.
The formal name for these letters is a Letter Before Action. This is because they have to send a letter and give you an opportunity to pay before proceeding to litigation.
How do I contact Arvato?
Arvato makes it extremely difficult to get in touch with them over the phone. They only allow debtors to make contact via an online customer portal, whereas clients can use an online contact form. The good news is that you won’t need to pick up the phone to fight back against Arvato. Read on for the important details.
Can I ignore Arvato Financial Solutions?
You shouldn’t ignore Arvato Financial Solutions because they could take you to court, but this doesn’t mean they will. Their legal threats might not be genuine and they could be saying these things to scare you into opening your wallet. It’s an effective tactic because you never know when legal threats are real or not.
Do I have to pay Arvato?
You might have to pay Arvato to avoid legal action and a court order forcing you to pay. But you don’t have to pay an Arvato British Gas debt just because you receive a Letter Before Action. There are checks and things you can do to try and get out of paying or simply to delay Arvato’s processes.
Feeling like Chandler?
Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.
Check if the debt is still enforceable first!
Before responding or paying, check to see if the Arvato British Gas debt can still be legally enforced. Energy debts become legally unenforceable as per The Limitations Act after six years in England and Wales and similarly become unenforceable after five years in Scotland.
If you discover that the debt isn’t enforceable, Arvato cannot take legal action and you’re never obligated to pay. You can therefore tell Arvato you won’t be paying for this reason and ask them to wipe the debt.
Ask Arvato to prove your British Gas debt
You can ask Arvato to prove your British Gas debt. They must respond with a copy of the agreement you made with British Gas, which you then defaulted on. They cannot just say you defaulted and request payment.
You don’t have to pay until this contract or agreement is supplied. If they don’t supply it and take you to court, you should inform the judge that you’re still waiting for proof of the debt. Keep a copy of your prove the debt letter for this reason.
What if Arvato proves the debt?
If they reply with proof, it’s best to consider paying in full or start looking at debt solutions. This is to ensure you avoid court action and further fees.
Read our free debt information guide!
If you’re dealing with other debts or simply have money problems, consider reading our free debt information page first. This page is designed to help all types of people with a variety of financial concerns. Take a look for yourself by clicking here.