Who are Arc Europe Ltd?
Arc Europe Credit are a debt collection agency and debt recovery company.
As a debt collection company they specialise in collecting payments of debts owed by individuals or businesses. They collect debts on behalf of companies like LV Insurance, Quickquid, LA Fitness, David Lloyd and the like.
Chances are they are calling or writing to you because they believe you owe money.
They also buys “bad debts” or “old debts” from banks, credit card companies and other lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Arc Europe. The debt collection agency typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they are calling or writing to you because they have purchased your debt from the original lender, like Blackhorse car finance, Arrow Global, Capital One and more. They now own the debt and believe you owe money.
If you have been contacted by them, you have to make a decision on how to deal with them.
Do you actually owe them any money?
Arc Europe are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
How old is the debt they are collecting?
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can’t afford to pay that much each week or month.
Our experts deal with Arc Europe Ltd every day, and can quickly help you determine if the debt is statute barred, in which case you won’t have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Arc Europe.
This will make sure that if you do owe them money you only enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.
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What can Arc Europe Ltd do?
Debt collection agencies like Arc Europe must follow the strict debt collection guidance that are laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and debt collection must adhere to in order to be considered fit to operate as a debt collector.
Therefore, under the rules laid down by the FCA, ARC can not claim unfair or excessive collection charges, they can not harass you, they can’t threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
The following actions are all unfair. We’ve seen all these activities and more. Some of these are outlawed by industry rules or codes of practice, and some of them are illegal:
- Calling you at unreasonable times
- Calling you at work without permission or after you’ve told them to stop
- Discussing your debts with a family member or employer
- Taking payments without your permission
- Refusing to deal with advice agencies like us, or not giving time to consider your options after you’ve contacted an advice agency for help
- Pressuring you to pay off a debt by borrowing more money
- Using legal or technical language to confuse you
- Sending letters that look like court forms
- Refusing to give you information about your account when you ask for it
- Pretending to have legal powers they don’t have
- Adding unreasonable charges, higher than the actual costs of collecting the debt
- Continuing to contact you for payment when the debt is being disputed
- Continuing to demand payment when a debt is statute barred – this means the law says the debt is too old to chase through the courts.
If you’re one of the many people being sent constant letters, text messages and not answering your phone without looking at “whocallssme.com” in order to avoid the many (and we mean MANY) phone calls by Arc Europe. Or if you have received a letter about a debt you don’t recognise or think you’ve paid off, or if you are struggling to repay debts, fill in our simple form and we’ll call you back to see if we can help.
Arc Europe Ltd
Debt Collectors Contact Details:
Numbers they call from:
Please note that we are not associated with Arc (Europe) Ltd in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to ARC Europe you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Arc Europe Ltd on your behalf and STOP the calls and letters, or simply need a bit of advice, just click on the GET HELP NOW