Feel free to chat with us online and we will help you as soon as possible. We are available online Monday to Friday, 8:30am to 6:30pm. Alternatively, if you’d rather hear a friendly voice, you can always give us a call on 01932 251 000*.
How It Works
You’re in safe hands
We have a range of options to help you resolve your outstanding accounts.
Payment options
You can choose to make a payment, pay off your total balance now, or in affordable instalments.
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Register with your ARC reference number, your last name and date of birth
You can find your reference number on the front of your letter from us.
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Check the amount to pay is correct
Please confirm that the payment is affordable to you and will not impact your priority bills.
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Select payment method
Choose the card you would like to pay with and confirm your card details to pay via our secure payment system.
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Register with your ARC reference number
You can find your reference number on the front of your letter from us.
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Calculate what you can afford to pay
Answer some simple questions to calculate what you can afford to pay.
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Set up a repayment plan
Create your bespoke repayment plan. You can opt to pay your instalments weekly, fortnightly or monthly, depending on your circumstances.
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Select payment method
Choose the card you would like to pay with and confirm your card details to pay in instalments via our secure payment system.
Your payment method options
We offer multiple other payment options for your convenience. To ensure that the payment can be properly credited to your account, please ensure that your reference number (located on the front of our letter) accompanies every payment.
Pay by card
You can make a payment or set up a affordable payment plan using your debit or credit card.
Make a secure one-off payment online or call our 24-Hour Payment Hotline on 01332 647 693* and follow our secure payment instructions.
Direct debit
We also accept Direct Debit payments – this is an instruction from you to your bank or building society authorising us, ARC (Europe) Ltd. to collect a pre-agreed amount on a pre-agreed date.
We are with you on this journey
We’re ready to support your next steps to become free of debt. Received a letter from us?
Read FAQsWho is ARC (Europe) Ltd?
We have been around for almost twenty years and are trusted by our clients to collect debt on their behalf. We are authorised and regulated by the FCA (Financial Conduct Authority) to conduct Consumer Debt Recovery activities.
Why we have contacted you?
If you have received a letter from us, we are contacting you in relation to an outstanding debt. Please don’t put it off - we want to help you to resolve the situation and avoid further financial difficulties.
How we can support you
We are here to genuinely help you resolve your outstanding debt in the best way for you. Choose to pay in full now or set up a payment plan that works for you.
We’re here when you need us
Our friendly team members are always here to help our customers with their outstanding accounts. How can we help you?
You can access your account 24/7 here
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