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The following page provides important information about Arc Europe Debt Collectors. If you’ve been approached or contacted by any member of their collection team, these details could provide some of the answers that you’re looking for.

If you owe money to Arc Europe and aren’t sure how you are going to be able to repay it, we’re here to help.

    • Has Arc Europe contacted you about an existing debt with another company?
    • Are you struggling to pay off loans and cover your monthly bills?
    • Would you like to know more about your rights during the debt collection process?

We can help find a solution that is fair to both parties and with comfortable repayments under your current budget.

Arc Europe contact details:

Company Name: Arc (Europe) Ltd.

Other Names: ARC, Arc, Arc Debt Collectors, Arc Debt Collection, Arc Europe

Kent House
Churchfield Road
KT12 2TU

Main Contact Number(s): 01932 251000




Other phone numbers that they might use to contact you:

01932 251085 or 0845 270 7365

Opening hours:

Monday—Thursday: 8:00am—8:00pm
Friday: 8:00am–7:00pm
Saturday: 9:00am–1:00pm

Who is Arc Europe Ltd.?

Arc Europe is a debt collection specialist with over 20 years of experience. They work in areas of regulated consumer debt recovery and debt purchase.

They work alongside major organisations, using leading debt recovery services and technology. This includes clients and partners in finance, health and fitness, and insurance sectors.

Arc Europe collect regulated consumer debt, non-regulated consumer debt and commercial debt (business to business debt).

They help their clients to manage overdue and outstanding accounts while conforming to the Credit Service Association Code of Practice and regulations administered by the Financial Conduct Authority.

Why would they contact you?

Arc Europe contact customers who have failed to make payments on their credit accounts on behalf of the company that they owe the money to. They could be working directly for that company, or they may have bought the debt from them—either way, they are responsible for collecting the outstanding amount and collecting the payments.

If you are having problems repaying loans or outstanding bills, Arc Europe is duty-bound to work with you to make your repayment amounts manageable and affordable. Your payment plan should be based around what you can realistically afford, and if they’re not, you may have the right to make a complaint.

Do you owe Arc Europe Ltd. money?

The first thing to do when you get a letter from Arc Europe is to make sure you definitely owe the money they say you do.

There are cases where debt collection agencies mistakenly chase fully paid debts or debts that have expired. Other accounts that don’t require repayment are those set up fraudulently in your name or aren’t your responsibility to cover.

If you think this is the case, then it’s important to flag it to the relevant people to avoid any further action being taken against you.

How old is the debt they are collecting?

A lot of older debts can be written off under the law of statute barred debt.

Statute barred debts are loans or unpaid accounts that fall under list of conditions and are over 6-years-old.

A debt collection agent chasing repayments for a statute barred debt is breaking the CSA Code of Conduct and can be prosecuted for doing so.

If your debt applies to statute barred status, then there are things you can do to have it removed. The best course of action is to contact the FCA or credit reference agencies to make sure that the debt has expired before making a complaint.

If it turns out to still be active, we can guide you in the best ways to manage it.

Is Arc Europe Ltd. treating you unfairly?

All debt recovery companies are expected to follow the rules of the CSA and are regulated by the Financial Conduct Authority.

If they behave outside the rules that were created for them, they can be brought before a court for prosecution. More importantly, the rules are designed to protect customers from unreasonable practices when they’re struggling to make their repayments.

If you’ve been contacted during unsociable hours or have received correspondence designed to look like court papers, to intimidate you into making payments you can’t afford, then you have a right to complain.

Other areas of illegal behaviour include using force and harassment, discussing your case with anyone but you, suggesting that you take out additional credit to cover your existing debts and a wide range of other unjust methods.

TAD can confirm any illegal behaviour, explain your rights, and outline the steps to take to resolve the situation. You could also be entitled to compensation, but you will need to take this up with the collection agency or the court.

Managing your debt

Here at Talk About Debt, we know just how stressful and worrying being chased by a debt collector or a bailiff can be.

We want to help you to prevent this from happening. There are a variety of methods to manage an outstanding debt, and it should always be done in an affordable way.

We deal with debt recovery companies all the time. We know the jargon, we know what they expect, and we can use all of our expertise to get the solutions you need, quickly and efficiently.

We’d also like to make sure you stay financially healthy, helping you to understand the various ways of managing credit and debt issues when they arise.

Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

*Talk About Debt is not associated with Arc Europe Ltd. or any of the agencies in our debt collection agency and bailiff directory.