Do you owe money to Arvato Financial Solutions?

If you have debts of over £5000, you may be able to write off your debt with an IVA

Who are Arvato?

Arvato are a debt collection company that is based in Scotland. They are authorised and regulated by the Financial Conduct Authority (FCA) for mediation activities relating to consumer credit and insurance only. Arvato are also members of the Credit Services Association (CSA).

The company’s management oversee 7,500 employees around the world.

They are a division of a group of companies known as Arvato Bertelsmann that offer a range of services from debt recovery, to creating and administering financial products, to developing technology platforms and security systems, to customer support solutions and streamlining a company’s back office. They pride themselves on having in-depth market knowledge about each industry that their businesses support.

If Arvato Financial Solutions are chasing you for money, don’t waste time. The longer you ignore their contact, the more serious the potential repercussions. You can contact one of the debt experts on our team through our phone number 0800 233 5753 or by clicking ‘Get Started For Free’.

You’ll also find a range of helpful articles on our website.

arvato
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Who are Arvato Financial Solutions? What is Arvato Financial Solutions?

Arvato Financial Solutions Limited is the official company name of Arvato. It is registered in Scotland with the following details:

  • Company Number: SC223606
  • Registered Office: 24 George Square, Glasgow, G2 1EG

Who do Arvato Financial collect for?

Arvato offer a full range of collection solutions from accounts that have just missed a payment, to ones that require field collection. They work with some of the largest water companies, banks and energy suppliers in the UK.

Arvato debt collectors

Are Arvato legitimate? Can I trust them?

Arvato are a legitimate company that is part of the Bertelsmann group of companies. They do an excellent job of keeping their business clients happy, but the debtors that they chase for money tend to have less positive interactions.

Don’t risk their debt recovery action escalating. Contact a member of the IVA Online team for free, confidential support on 0800 233 5753. We’ll give you access to the information you need to understand your options and recover from these difficult times.

Why are Arvato Financial Solutions calling me?

If you have received letters, calls or even a visit from Arvato, then it is likely to be because you owe money to a client that they are providing debt collection services to, or that they have purchased your debt from another company.

We recommend that you do not ignore their communications because their debt collection process will only escalate. If you owe money to multiple creditors and need free debt support, you can call us for free on 0800 233 5753 or click ‘Get Started For Free’. We know how frightening it can be to find yourself in debt. We pride ourselves on treating our clients with respect and offering a truly professional service.

Arvato knocking on door

Do I have to pay Arvato?

If you recognise the debt and amount that Arvato Financial Solutions are chasing you for, then we recommend that you do not ignore contact from this company. They have sophisticated technology systems to keep track of all of their debtors, so their agents are unlikely to forget that you owe them money.

If you want to get Arvato out of your life, then you have the following options:

  • Pay your debt in full – if you have the funds to be able to afford to do this
  • Make a settlement offer to Arvato – this is an offer to repay part of your debt in full. They do not have to accept this, but they may be open to it if they believe it’s the best way to collect money from you
  • Agree an affordable repayment plan with them. You will have to see if they are happy to accept an amount that is realistic for you given your income and your essential expenses
  • Work with a specialist debt company who can help you to find an affordable way to manage your debt obligations.

At IVA Online, we have years of experience of dealing with debt collection companies like Arvato Financial Services. We understand the tactics that they use and how it feels to be a debtor who can not afford his or her debt repayments. We work tirelessly to find the right solution for the unique needs of each client and their circumstances.

If you would value our support, you can connect with a member of our team by calling 0800 233 5753 or clicking ‘Get Started For Free’.

How can I stop Arvato calling me all the time?

Generally, the only ways to get rid of debt collectors is to either prove that you don’t owe them money, or to organise repayment of your debt in one of the following ways:

  • Lump sum
  • Repayment plan
  • Settlement agreement
  • A debt solution such as an IVA

Can I block Arvato’s calls?

You can trying blocking calls from numbers that Arvato agents call you from, but you may find they simply call you from another number instead. Sometimes debt collections firms even phone you from numbers that appear to be in your local area to encourage you to pick up the call.

You can request that they only contact you by letter, in which case it is important that you open your mail. Merely ignoring the letters is unlikely to be helpful because the debt proceedings will just become more serious.

If you are juggling debts with multiple creditors, then we may be able to help you. Contact us by clicking ‘Get Started For Free’, and we’ll see if we can deal with the collectors for you.

Arvato bailiffs

How can I calculate how much I can afford to repay?

If you are calculating how much you can afford in debt repayments, it’s essential to write out your budget. A budget exercise involves listing your total income and all of your necessary spending on items like food, water, electricity etc. Once you have deducted all of your essential expenses, you can consider contributing some of what remains to debt. It’s wise to leave yourself a little contingency as emergency funds.

What rights do I have when dealing with debt collectors?

You have the following rights when these firms are chasing you:

  • You can ask that they only contact you by letter, to avoid having a continuous stream of calls.
  • Their agents can not visit you between 9 pm and 6 am, and they can not gain entry by pushing past you.
  • They can not bully you, threaten you, or employ tactics of verbal or physical abuse.
  • They can not disclose the details of your debt to others without your permission.
  • They can’t pretend to have powers that they do not have or forge court documents.

How should I contact Arvato Financial Solutions?

You can contact Arvato in any of the following ways:

  • Telephone: 0344 571 4075
  • Post: Arvato Financial Solutions, 24 George Square, Glasgow, G2 1EG
  • Manage your account online: https://pay.arvatofs.com/

Alternatively, if you have unpaid accounts with multiple creditors and would like support with your financial situation, click ‘Get Started For Free’ to connect with our experienced advisors. We’ll see if we can deal with the debt collectors on your behalf to ease the pressure and help you to regain your power.

What if I think my debt is too old for Arvato Financial Solutions to collect?

If you have not received any contact about your debt or acknowledged it for six years (five years in Scotland), and you have not made a payment in this period or received a notice of court action, then it may be too old to collect. If you are in doubt about whether your debt is collectable, then we recommend that you seek legal advice to be sure, rather than simply ignoring it.

bailiffs from arvato

What if Arvato are chasing me for someone else’s debt?

In this case, you should contact Arvato Financial Solutions immediately to inform them about the issue. They may be chasing a previous tenant of your address. If you ignore the contact, it may escalate to a visit from bailiffs (enforcement agents).

Arvato may ask you to show ID to prove that you are not the debtor before they are willing to remove your address from their collection process. They use a sophisticated technology platform to keep on top of the details of everyone who owes them money in order to maximise the profits they make.

Will Arvato Financial Solutions take legal action against me?

Yes, Arvato may escalate your case to court action if you do not respond to their correspondence, or if you do not agree to repay the money that you owe to them.

They may ask the courts to grant a County Court Judgment (CCJ) to force you to take legal responsibility for your debt and to agree a repayment means.

Will a CCJ affect my credit rating?

Yes. Unless you repay a County Court Judgment within 30 days of its issue, then it will stay on your credit report for six years. During this period, you may find it difficult to secure further credit, such as a mortgage, due to the negative impact the CCJ will have on your credit file.

Do Arvato Financial Solutions use bailiffs?

Yes. Debt collection agencies like Arvato typically instruct bailiffs, now known as enforcement agents, once a case has gone to court, to enforce the court order. For example, they may visit your home to make a list of your valuable possessions that they will seize and sell, if you fail to meet the terms of the court order.

What is the difference between a bailiff and an enforcement agent?

Enforcement agent is the modern name for a bailiff. It’s simply someone who has the legal authority to collect debts on behalf of firms. They may work directly for a council, a debt collector or be self-employed.

Can Arvato’s enforcement agents break down my door?

Enforcement agents are allowed to enter with reasonable force without a court order if they are collecting specific types of debt such as income tax, stamp duty and criminal fines. Forcing entry usually involves using the services of a locksmith rather than breaking down a door.

Otherwise, enforcement agents typically visit after the court has granted an order, and they are not allowed to force their way into your home. They will typically charge you a fee for each visit they make to your property, and if you don’t let them in, they may seize items left outside of your property.

Do I have to let enforcement agents that Arvato send, into my house?

No. You have the right not to let bailiffs into your property, as well as the following rights:

  • Arvato can not send enforcement agents between 9 pm and 6 am
  • They can not share the details of your debt with your friends, family or another third party that is not involved
  • Bailiffs can’t enter if only children are present
  • They can not push past you to gain entry to your property
  • You can ask them to show their ID through a closed window and to talk to you on the phone.

If you receive a visit from enforcement agents, we recommend that you don’t let them in. Instead, feel free to contact a member of our debt experts by calling 0800 233 5753 or clicking ‘Get Started For Free’ and our experts will see if they can deal with the debt collectors on your behalf.

What possessions will Arvato enforcement agents take?

Arvato Financial Solutions want to recover as much of the money that you owe as possible. Bailiffs acting on their behalf will typically search for high-value assets and possessions that they can quickly sell at public auction, such as jewellery and electronics.

Can Arvato take my car?

Arvato can take the necessary court action to send bailiffs who can seize vehicles. However, they can not take cars in the following circumstances:

  • If the vehicle has finance outstanding to another business
  • If the car belongs to a legitimate blue badge holder
  • If the car belongs to someone who is not the debtor.

If your car is worth less than £1,350 and you can prove it is essential to your work or studies, Arvato may let you keep it.

If you are in a debt collection process, any assets that you leave outside of your property are at risk of being seized by enforcement agents, so be mindful of what you leave outside.

Can I stop Arvato enforcement agents from taking my possessions?

If Arvato Financial Solutions send bailiffs to collect your possessions, you do not have to let them in. However, this is only a temporary solution. You will need a plan to stop their debt collection process once and for all. Our team will be happy to connect you with free debt advice. Simply complete the short form at ‘Get Started For Free’ and one of our people will get in contact with the information that you need.

There are certain things that bailiffs are not allowed to seize, including:

  • Vehicles belonging to a blue badge holder
  • Bedding for each member of your household
  • Essential kitchen appliances
  • Your pets
  • Medical equipment
  • Items in your house that do not belong to you because they are on a finance agreement or are owned by other people.

Do Arvato Financial Solutions care about customer needs?

Arvato Financial Solutions appear to care a lot about meeting the needs of their corporate clients. They provide a range of services for companies across the UK and other parts of the world. However, the situation is quite different for people who owe money to the debt collection industry. Their primary focus is on making as much profit on the debts they collect as possible.

Will Arvato let me write off my debt if I can’t afford to pay?

Arvato are unlikely to cancel your debt unless you seek the support of a debt management firm. If you have debts of over £5,000 across two or more creditors, then you may qualify for an Individual Voluntary Arrangement (IVA).

You can include a number of different types of debt in your total balance, such as credit cards, loans, store cards, phone bills, unpaid council tax and other unsecured debt types.

Through an IVA, you can consolidate your debt repayments into an affordable monthly payment, which you make for around five years. After this time, your creditors agree to write off any remaining balance.

How do I know if I qualify for an IVA?

You can simply contact us, and we’ll walk you through the process. You can call us at a time that suits you on freephone number 0800 233 5753 or select ‘Get Started For Free’ from the top right-hand side of the page. We have a highly experienced team of advisors who will be happy to answer your questions and point you in the right direction.

Will Arvato make me bankrupt if I don’t pay?

If you ignore communications from Arvato and fail to agree a method of repaying them, then they may petition the court to make you bankrupt if they believe this is the only way to recover some money from you. Typically the cases that reach this stage are ones in which the debtor also believes that bankruptcy is the best option for them.

Before letting things escalate to this stage, we recommend that you seek some free and confidential debt support so that you understand all of the options available to you. For example, an IVA can provide a way to consolidate your debts into an affordable monthly repayment, and often to write off some of what you owe, without losing your house or having to give up a moderately valuable car.

Click ‘Get Started For Free’ to see what options you have to consider.

What payment methods do Arvato Financial Solutions accept?

Arvato, like all debt collection companies, try to make it as easy as possible for you to pay them. They accept the following payment methods:

  • Debit card
  • Credit card
  • Direct debit
  • Standing order

Can I change a debt payment plan with Arvato Financial Solutions?

Arvato will be happy to accept any arrangements that increase the speed and amount of your debt repayments. If you experience more financial difficulties and are unable to meet the same level of repayments, you would need to share the information about the change in circumstances with Arvato Financial Solutions and see how they respond.

If you have unpaid accounts with multiple companies, with total debts of over £5,000, then you may qualify for an IVA. An IVA turns all of your monthly repayments into one affordable instalment. To see if an IVA is a good solution for you, click ‘Get Started For Free.’ You’ll connect with one of our debt experts who will be happy to answer your questions and to share helpful information with you.

What if my financial circumstances change while I’m repaying my debt?

Suppose you can suddenly afford to repay more of your debt, due to earning more money or coming into an inheritance. In that case, the debt collectors will be happy for you to overpay any payment arrangements that you have in place. On the other side of the equation, if your financial situation becomes worse, you may have to prove to the collectors that you can no longer afford the same level of instalments. They will use tactics to encourage you to continue to repay the maximum amount that they believe you can afford.

If you are finding that you have debts with multiple creditors that are getting out of control, then you are welcome to contact one of our advisors to see if there are any other debt options available to you, which can help to ease some of the stress and pressure. We understand just how difficult being in financial distress can be, and we’ll do our best to support you.

Do Arvato Financial Solutions have a good reputation for debt collection?

Arvato pride themself on the track record if their debt collection activities for their corporate clients. Sadly the picture is quite different for individuals who they are chasing for a debt balance.

At the time of writing this, Arvato have a bad score of 1.3 out of five from 82 reviews on the independent customer review website Trustpilot. The negative feedback includes cases of people being chased for debts that do not belong to them, chasing them for money that has already been paid, a lack of responsiveness, constant calls, aggressive and threatening behaviour.

Can I complain about Arvato Financial Solutions?

Yes, like every debt collection business, Arvato must have a robust complaints. In the first instance, you should raise your complaint directly with Arvato by emailing complaints@arvatofs.com.

What if I’m not happy with how Arvato Financial Services respond to my complaint?

Arvato are authorised and regulated by the Financial Conduct Authority. This regulation means that if you are unhappy with their final response to a complaint surrounding a debt that is covered by the Consumer Credit Act (CCA), then you can escalate it to the Financial Ombudsman Service (FOS):

  • Phone: 0800 023 4567
  • Complete an online complaint form at www.help.financial-ombudsman.org.uk/help
  • Email: complaint.info@financial-ombudsman.org.uk
  • Write to them: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

For debts that fall outside of the Consumer Credit Act, you can contact the Credit Services Association and complete the complaint form template on their website and either post it or email it to complaints@csa-uk.com.

Where can I get free advice and support to help me deal with Arvato Solutions?

At IVA Online, we have years of knowledge and results from dealing with debt collection companies. We understand the methods that they use and the tactics they resort to, such as intimidation.

There are millions of people in debt around the world, so you are not on your own with this problem. We help our clients to understand their rights and their options.

If you would like our support, fill in the short form at ‘Get Started For Free’ and one of our debt experts will be in touch to help you.

How do Arvato Financial Solutions use my data?

You can read Arvato’s privacy policy on their website. They can only use your details in compliance with the data protection act; for example, they can only share it with the specialists in their business that need to have access to as part of the collections process. They would need your consent for any further use of your personal details.

Can Arvato Financial Solutions tell other people about my debt?

Arvato can only share your details with the people essential to the debt collection process, such as their employees and enforcement agents, as per their privacy policy. It would be a breach of the data protection act for them to share details about your debt with your friends, family or other third parties, as part of their debt collection processes.

What is Arvato? Who is Arvato?

Arvato is a debt collection company based in Scotland which provides services to clients across the UK. It is part of the Bertelsmann Group. You may hear the company referred to as Arvato Financial Solutions (its official company name), Arvatos, Arvato FS, Arvato UK, Arvato Finance Solutions, and Arvato debt collection.

bailiff with TV

What is Bertelsmann?

Arvato Financial Solutions is part of the Bertelsmann group of companies. The other businesses in the group span a variety of industries, including:

  • Bertelsmann Printing Group
  • Bertelsmann Education Group
  • Penguin Random House
  • Gruner + Jahr
  • RTL Group
  • BMG

Their website states that they provide “first-class media content and innovative service solutions that inspire customers around the world”.

Where does Arvato Financial Solutions operate?

The business has a presence in over 40 countries. They pride themselves on thinking as a global team, but acting on a local basis.

What support can I expect from IVA Online when dealing with Avarto?

Our team have years of knowledge about the debt industry. We know how a debt business like Arvato works and the range of tactics they use to get their debtors to pay up.

We treat each individual who comes to us for support with care and understanding. We make it our business to help you to understand the range of options that you have available. We love to keep in touch with our customers. Our team are always delighted when one of our customers sends us a note of thanks. We love to hear just how much their life has changed for the better.

You can contact a member of our team today in the following ways:

  • Phone number: 0800 233 5753
  • Online contact form on our website: Click ‘Get Started For Free’

What industries do Arvato collect debts for?

Arvato act as a debt collection supplier to businesses in a variety of sectors, including:

  • Telecommunications
  • Utilities
  • Banks

They believe that their in-depth knowledge of each sector brings a host of benefits to the firms they work with.

How do I know if I qualify for an IVA?
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