Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

Are you ready?

Show me my debt options

Arc Europe Debt Collection

ARC Europe has been working in debt recovery for nearly twenty years. Specialising in working for the health and leisure, insurance, and financial sector, they are authorised by the FCA (Financial Conduct Authority) to conduct debt recovery and to purchase outstanding debts.

The stress of being in debt can have a detrimental effect on an individual’s physical and mental health. Here at debtbuffer, we aim to help you regain control and enjoy your life again. We will help you understand your debt options in order to rebuild a life with you at the steering wheel. Life is too short to carry debt, so let’s get you on the path to living debt free.

Who are Arc Europe?


Are Arc Europe credible?

ARC is fully regulated by the FCA. This means that they are audited by the FCA on a regular basis. ARC must ensure that they make their accounts, their history, and their operating methods available to be checked according to government guidelines.

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

ARC will have contacted you in relation to an outstanding debt that is either being pursued by one of their clients or by the company directly after buying out your debt. As ARC have been collecting and managing debt for nearly two decades, this suggests that their business model is found to be effective by the companies that choose to utilise their service.

Who do ARC (Europe) collect for?

ARC works for many different companies, primarily from the financial, insurance, health and leisure industries. Clients contact and work with ARC to manage their overdue and outstanding accounts. ARC also purchases debt and works to collect payment for themselves. As such, there is no single body that ARC collects for and each case is different.

Is ARC (Europe) a legitimate debt collector?

As ARC is regulated by the FCA, this means that the FCA recognises ARC as a legitimate debt collecting agency. Regulation ensures that ARC is held to the FCA standards for debt collectors and must comply with government guidelines.

Can I stop ARC (Europe) from contacting me?

As ARC works on the behalf of clients and they are the legal owners of some debt, they are under contractual obligation to initiate contact with you. Their responsibility is to the client who owns the debt. There is no way to prevent ARC from stopping contact with you as a result of this.

Should I ignore ARC (Europe)’s letters or calls?

As ARC and the clients they work for are the legal owners of the debt, they can use official channels to get your contact details. They can, for example, contact your bank and request your updated contact information. If a company such as ARC has a lack of contact from a debtor, they may move to engaging bailiffs, start legal procedures, or refer the case to the court system. Debtors should not ignore ARC letters or calls.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


Should I pay ARC (Europe) the money I owe?

As ARC are either the legal owners of your debt or the appointed managing party for the debt, then you should pay them the money they owe if you are in position to do so.

If you believe that you do not owe the money, then you should contact ARC immediately. They will consider the dispute and refer the matter to the client if required. During this time, their collection activities will be on hold while your claim is fully investigated.

I can’t afford to pay ARC (Europe). What now?

Arc’s business model only works if you can continue to make payments. They will consider your personal and financial circumstances in order to seek a solution that is best for the interests of their clients. ARC will attempt to develop an affordable and sustainable instalment plan. As a debtor, you may have a range of options open to you, right the way through to voluntary bankruptcy; however, this can be more difficult or financially costly to manage. You should always seek impartial, professional advice.

What action can ARC (Europe) take?

ARC will work with a debtor to find ways to manage instalment plans and to keep creditors informed and appraised of the situation. They do not have enforcement authority, so they are not permitted to enter your property if you do not want them to. They are not allowed to confiscate any personal goods to take for payment. They are not allowed to threaten, intimidate, or lie to a debtor about what they are allowed to do.

However, ARC are allowed to contact bailiffs and move through the legal system to pursue payment. If this happens, a High Court Enforcement Officer may make a visit to your home. Should this happen, you will still have to pay the debt, additional charges depending on the size of the debt, and to cover the cost of the actions that the officers have taken to recover the debt.

Could my ARC (Europe) debts mean that I lose my home?

Unfortunately, in some cases, debt can potentially lead to you losing your home. If, for example, your debt leads to you declaring bankruptcy, then your home might be repossessed.

How do I make a complaint about ARC (Europe)?

ARC’s internal guidelines, alongside FCA guidelines, require staff to act professionally and ethically. However, if you are unhappy with their service, then call them on 01932 251 000 to make them aware and start the complaints process.

If you have any further concerns, then you can write to them at:

Customer Support Manager
ARC (Europe) Ltd
Kent House
Churchfield Road
KT12 2TU

Furthermore, if you are unhappy with the way in which ARC have handled the complaint, you can contact the Credit Services Association on 0191 217 0775 or the Financial Ombudsman Service on 0800 023 4567.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

Show me my debt options