NCO Europe

Received a letter or call from NCO Europe? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are NCO Europe?

NCO Europe (now part of Alorica) is a debt collection agency that operates in the UK and across Europe. They collect debts on behalf of other companies.

They may contact you because:

• A company has hired them to collect a debt
• Your account has been passed to them for collection

FCA Registration: Authorised and regulated by the Financial Conduct Authority.

Contact Details

NCO Europe

Churchgate House Manchester M15 6NX

Telephone: 0161 232 8000

Your Legal Rights

NCO Europe Must:

• Tell you who the original creditor is
• Provide proof of the debt if requested
• Treat you fairly under FCA regulations

They Cannot:

• Harass you with excessive calls
• Contact you at unreasonable times
• Discuss your debt with others
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could escalate
2. Verify the debt - request proof
3. Check if statute barred - 6 years with no payments
4. Respond based on your situation

Can NCO Europe Send Bailiffs?

No. They cannot enter your property or seize belongings without a court judgment.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt. Check if you qualify.

Debt Relief Order - For debts under £30,000 with low income.

Take control of your debt. Use our free IVA calculator.