ARC Europe Ltd Reviews 

Yeah it’s a registered company but total scammers they send threatening letters to the correct address but with fictitious names they shouldn’t be allowed to worry people like this 🤬

I am leaving this review based on my personal experience with ARC Europe.
I settled the outstanding balance on my account in full, expecting the account to be updated and the original creditor to be informed that the debt had been cleared. Unfortunately, this has not happened.
Despite the balance being fully paid, the debt is still showing as outstanding on the original account. I have contacted ARC Europe and asked them to update their records and inform the original creditor, but the issue remains unresolved.
What is particularly frustrating is that you can make the effort to reach an arrangement with a debt collection agency and pay the balance in full, yet the account can still appear as outstanding because the agency has failed to properly update the information.
In my opinion, there is little reassurance in making an arrangement or settling a debt through ARC Europe if the account is not subsequently updated with the original creditor. The whole purpose of settling the account is to have the debt recorded as paid, and customers should not have to repeatedly chase the collection agency to correct their records.
Based on my personal experience, I would be very cautious about dealing with ARC Europe.

This company is a joke. I would be very careful in dealing with them. I settled a claim I had with them instantly and literally calling them daily for further instructions. I have been dealing with Vijay, at first very good when collecting the payment but ever since he’s been playing me along and im not sure if he knows how to send emails. Disgraceful company.

I originally dealt with ARC (Europe) Ltd after a debt was passed to them for collection. I paid the balance in full on 29 April 2026, and they confirmed my account was closed.
The problem began on 28 May 2026 when I accidentally made an additional Faster Payment of £1,800 to ARC's account — a simple mistake, but one I expected to be resolved quickly.
On 3 June 2026, I rang them, and they confirmed that the balance would be refunded. I followed up on 11 June and again on 15 June via their customers@ address. It is now 23 June 2026, three weeks since my first contact — and I have received no response whatsoever, let alone a refund.
Retaining £1,800 that clearly does not belong to you, while ignoring multiple emails requesting its return, is unacceptable. I will be escalating this matter to my bank and, if necessary, to the Financial Ombudsman Service.

I settled my unknown arrears in full with Villiage and ARC EUROPE and they still debited my account which I not at all happy with. This is totally disgraceful as they should be having a professional approach.

If you get a recycled new number from your provider and recieved debt texts / calls . Please inform them that you are not person they are trying to reach and explain in detail and recipts of the date you got the number too if they want proof. I not long phoned them explaining the previous person they were looking for , no longer has this number and im the new owner . And they will take your number off there system! . So far 2 different debt companys have done it and we're very nice . Blocking there number will not stop them so please dont think blocking will solve it . If your wanting to be left alone then please contact the company in advance . If your worried its a scam then google the number to be resured its legit before phoning too . 🙂 08.06.2025 ( won't let me put that in experience date when this happened 🙂)

Katie was Easy to talk to and helpful

I have an account with Arc Europe. Super easy to deal with, they sent me a letter, I set up a payment plan on the website. Easy as that, never had to speak to anyone.

I pay on time every month and they leave me alone, easy as that. Thanks.

These idiots can't get in their heads they are ringing the wrong number even after me telling them constantly
Unprofessional
*IGNORE

ARC service number from xpeng told " service only fom monday to friday"!!! We left the car at a fuel station finally. On monday, ARC send an ADAC service truck, but they denied to bring my car to the next xpeng partner 50 km away, which is confirmed in my service contract. After 2 hrs of phoning with ARC, xpeng and my service partner, everything seems to be agreed correctly.. but what happend? The driver of the ADAC service truck received an order to unload my car and return to his base, without turning my car to the garage...! Unbelievable.. Several phone calls later ARC promise me now, that they sent another truck to help, who should call me quickly... currently waiting again. May be it's an ADAC problem (local german service provider). Conclusion: The entire process of ARC and its local partners is a catastrophe. Lessons learned: Next car is BMW again. BMW has top driver services.

iv just had a text from ARC EUROPE Ltd, mentioning a non existent debt with South staffs water, iv never owed South staffs anything, I'm sure ARC have got this fake debt from a company called oops and they got it frome hacking. It started several years ago with a demand from oops strangely enough exactly the same as a bill I had received only about a week earlier apx £90, i phoned South staffs and was told by a manager they wouldn't chase someone that quickly and they don't use debt collectors, then I read an earlier letter apx 5 months from South staffs warning of a dater hack, eventually when I mentioned how oops got their info they stopped harassing me.
PS, DON'T EVER GIVE COMPANY'S LIKE THIS ANY MORE PERSONAL INFO THAN THAN THEY ALREADY HAVE INCLUDING PARKING TICKET Co, AS THEY'RE OFTEN UNACCREDITED CHANCERS AND CAN'T GET YOUR ADDRESS WITHOUT YOU GIVING IT TO THEM.

Smelly collectors with nothing better to do than harass people. I am now going through the complaints process with the Financial Ombudsman in line with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook. Get scared.

Just received a letter to my home address, but addressed to a name not known to me, claiming to be collecting money owed to Bannatyne Gym. Whilst I must consider one day joining a gym to get fit I can confirm to you cowboys that’s I’ve actually never set foot in one. What a load of losers. Pls close down and stop attempting to scam people, makes me feel sick!!

Shocking service debited my card for £600 on a £120 transaction and even admitted system error, now refusing to do anything about it, be very careful when parting with money with these guys

A gentlemen helped me. I am quite sick and needed help. So thank you Mr Connor from the live chat services. Very understand and helpful. Thanks again

My son who is 15 opened an account after seeing a advert saying 2 month free gym membership with virgin team. Even when filling in details he lied about his age online to say he is older. When theyasked for hin to bring id obviously he didnt follow through as he knew he was not honest. When they started asking for payments he come and told me what he did, i berated him and educated him about small prints and bad credit history and how it can affect his future. He apologised and i was already paying for another gym and i asked him why he wanted another membership he said i didnt know it was a 12 month contract membership. I thought they will just let me use it for free fir a month. I then email virgin told them what has happned and they said since he hasnt brought an ID they will cancel tge account. And we paid the 50 outstanding fee. 5 weeks later we get a bailiff letter from arc saying we owe 1300. So arc europe i couldnt get hold of anyone phone and now you collect debt from children???

ARC Europe has been nothing short of a nightmare. They contacted me about a £120 debt I wasn’t even aware of—likely due to having moved house—and they had no current information about me other than my phone number. Despite this, I tried to settle the full amount immediately. Shockingly, they refused and insisted on a payment plan. When I declined and asked them to return the debt to the original creditor, they outright refused.

What followed was pure harassment. I now receive multiple phone calls a day, often from mobile numbers, and if I don’t answer, they escalate. The most disturbing part? An individual named “Ali” from ARC created an Instagram account just to follow and message me—completely inappropriate and creepy. I’ve also been contacted via WhatsApp and even received calls in the middle of the night—once at 3:27 AM.

This level of unprofessionalism is appalling. I’ve attempted in good faith to resolve the matter, but instead I’m being stalked online and hounded by phone. For a company chasing a £120 debt, this behaviour is wildly disproportionate and downright disturbing. Stop contacting me on social media, and stop calling me at night.

Glorified loan sharks. Arc Europe buys debt from other companies regardless of the circumstances and whether the defendant is in the right. When these large companies know they don’t have a leg to stand on ( in my case, Freedom Brokers) but still demand money they will use companies like Arc to sell their debt. Arc Europe don’t care who is the victim in these cases and only see an easy way to make money by threatening people with extreme measures and damaging your credit score. Just remember, if a debt company buys your debt, your agreement isn’t with them it’s with the company you entered into an agreement with, so Arc by Law have no right to file any bad debts with Experian. They can only badger you and scare you into paying. In my case they passed on my details without my permission to a third “door step” debt recovery company who were very aggressive over the phone. Again, remember these “door step” clowns have no power either, so even if they did turn up at your door they have to leave if you tell them. If they don’t, then they are breaking the Law. Only baliffs have the right to demand payment at your home through a court order. Know your rights and don’t let any of these clowns intimidate you. I’m still waiting on a reply regarding them breaching my data protection rights and lying to me over the phone.

Please take any letters they send you to the police and prosecute those corks. They have sent me fake paper copy number 3 lol of the letter stating that I have an outstanding debt through Santander. lol I don’t bank with Santander and I called their fraud team. Provided all the details and Santander fraud team stated that ARC Europe are using pressure tactics to collect nonexistent debt ….If they call you block them and refer to police for fraudulent investigation.

scammers. Sent me dodgy looking amateur scanned piece of paper asking me to contact them regarding some debt..Lol ...Avoid and blocked