+44 1932 251000 – Who’s Calling and What to Know
If your phone rang and the screen showed +44 1932 251000, you may have felt confused or even concerned. You’re not alone. Many people in the UK have received calls from this number and wondered why. In this article, we explain who is behind this number, why they might call you, and what you can do next.
What Is +44 1932 251000?
+44 1932 251000 is a phone number used by ARC (Europe) Ltd, a debt collection agency based in the United Kingdom. If you receive a call from this number, it likely means they are trying to contact you regarding an unpaid debt on behalf of a creditor such as a bank, utility company, or service provider. The company is legally authorized and regulated by the Financial Conduct Authority (FCA), which means they must follow strict rules when dealing with people. While the call may be unexpected, the number itself is legitimate and not a scam. However, it’s important to verify the details of any claimed debt before taking further action.
Who Is ARC (Europe) Ltd?
ARC (Europe) Ltd is a licensed and regulated debt collection company. They are based in Walton-on-Thames, Surrey. The Financial Conduct Authority (FCA) regulates them, which means they must follow strict rules when they contact you.
They are also members of the Credit Services Association (CSA). This ensures they treat people fairly when trying to collect debts.
| Company Name | ARC (Europe) Ltd |
|---|---|
| Regulated by | Financial Conduct Authority (FCA) |
| CSA Membership | Yes |
| Phone Number | +44 1932 251000 |
| Website | arceuropeltd.co.uk |
| Address | Kent House, Walton-on-Thames |
Why Are They Calling Me?
If ARC (Europe) Ltd calls you from +44 1932 251000, they are probably contacting you because:
- You owe money to a company or creditor.
- Your debt was passed to ARC for collection.
- They need to verify your identity.
- You may have missed payments on a loan, credit card, or bill.
Sometimes, they also call the wrong number if their records are out of date. If this happens, you should let them know right away.
What Kind of Debts Does ARC (Europe) Collect?
ARC works with different types of companies to collect many kinds of debts. These may include:
- Credit card debt
- Utility bills (gas, electric, water)
- Council tax arrears
- Unpaid phone or internet bills
- Bank loans or overdrafts
- Buy now, pay later accounts
If you’ve used services and didn’t pay on time, they may send your account to ARC (Europe) Ltd for collection.
How to Confirm the Debt Is Real
Before you speak with ARC or pay anything, it’s smart to confirm the debt is real. You can do this by asking for:
- A copy of the original debt agreement
- The amount owed
- The name of the original creditor
- Details of any fees or interest
They must send this information to you in writing. If they cannot give you this proof, you do not need to pay.
What to Do If You Get a Call from this Number
If you get a call from +44 1932 251000, here are the steps you should take:
- Stay calm – Debt collection calls can feel stressful, but it’s important to stay clear-headed.
- Do not share personal info right away – Ask for the caller’s name and why they are calling.
- Request proof of the debt in writing before you make any payment.
- Contact a debt advisor if you’re unsure what to do.
- Avoid ignoring the calls, especially if the debt is real.
Is It Safe to Answer +44 1932 251000?
Yes, +44 1932 251000 is a legitimate number from ARC (Europe) Ltd. They are not a scam company, but you should still be careful.
You should not:
- Give your bank details over the phone
- Pay anything until you’ve received proof
- Feel pressured into a payment plan you cannot afford
Can You Block the Number?
Yes, you can block the number +44 1932 251000 on your phone using the built-in settings on most smartphones. However, while blocking the number may stop the calls temporarily, it does not resolve the underlying issue. If ARC (Europe) Ltd is contacting you about a legitimate debt, they may continue their efforts through letters, emails, or even legal action. Blocking them might delay communication, but it won’t erase any financial obligations. It’s better to face the situation directly by verifying the debt and working out a solution, especially if the debt is real. Ignoring or avoiding the calls may lead to more serious consequences later.
What Rights Do You Have?
If you are being contacted by a debt collector, you have legal rights under UK law.
| Your Right | What It Means |
|---|---|
| Right to information | They must tell you who they are and what the debt is |
| Right to be treated fairly | No threats, lies, or pressure are allowed |
| Right to dispute the debt | You can ask for proof before paying anything |
| Right to a repayment plan | You can ask to pay in smaller, manageable amounts |
| Right to complain | You can report unfair treatment to the Financial Ombudsman |
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What If the Debt Is Not Yours?
If ARC (Europe) Ltd contacts you about a debt you don’t owe, do not panic. You should:
- Tell them the debt is not yours
- Ask them to remove your number
- Request written proof
If they keep calling, you can make a formal complaint or report the issue.
How to Make a Complaint
If you think ARC (Europe) Ltd treated you unfairly, you can file a complaint directly with them. If they do not solve the issue, you can go to:
- Financial Ombudsman Service – financial-ombudsman.org.uk
- Credit Services Association – csa-uk.com
They will look into your complaint and help resolve it fairly.
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Can They Take Legal Action?
In some cases, yes. If you ignore repeated contact, and the debt is real, they may:
- Send a letter before legal action
- Apply for a County Court Judgment (CCJ)
- Instruct bailiffs to collect payment
You can avoid this by talking with ARC and arranging a payment plan if you owe the debt.
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How to Deal with the Debt
If you confirm that the debt is yours, you have some options:
- Pay it in full if possible
- Ask for a repayment plan
- Speak with a debt charity for free advice (like StepChange or National Debtline)
Debt doesn’t have to ruin your life. There are ways to take control and move forward.
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Conclusion
Receiving a call from +44 1932 251000 can feel stressful, especially if you’re unsure about the reason. But now you know this number belongs to ARC (Europe) Ltd, a legitimate UK debt collection agency. Understanding their role, your rights, and the steps you can take empowers you to handle the situation confidently.
Always ask for proof of any debt before making payments, and never feel pressured to give personal or financial details over the phone. If the debt is real, there are solutions — whether it’s paying in full, setting up a payment plan, or seeking advice from a free debt charity.
Ignoring the issue won’t make it go away. By staying calm, asking the right questions, and knowing your rights, you can take control of your financial situation. If this number calls again, you’ll be ready to respond the right way.
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