How to Appeal NCO Europe Debt Collection

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Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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- Financial Expert
Updated 12 November 2023

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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How to Appeal NCO Europe Debt Collection in 2023

If you have read other posts on this site, you probably already realise I have a pretty low opinion of most debt collection agencies. And NCO is no exception. I’ve done some research and discovered that NCO is just as aggressive as most of the more notorious collection agencies. I’m going to explain who they are, what they do, and how to stop them from contacting you in this post.

Do you have to pay NCO Europe?

You might not have to pay NCO Europe.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Can you write off any of your debt?

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How much debt do you have?

This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options. 

Who Is NCO Europe?

In 1996, NCO Europe Ltd., also known as NCO, was founded in Preston, United Kingdom, and provides financial and customer service outsourcing. 

The company operates an online payment platform for businesses, as well as assisting customers with managing their accounts, paying bills, and accessing other financial services. Customer needs are taken into consideration and the company strives to meet them as best as possible.

NCO Europe Ltd is a company registered in England and Wales and has its registered office at New City House, 57-63 Ringway, Preston PR1 1AF. NCO Europe Ltd has an FCA number of 662151.

With over 400 employees, NCO Europe has experienced significant growth over the years, creating new jobs and positioning itself as a leading customer solutions provider.

What Does NCO Europe Do?

According to the NCO website, It engages in multilingual business process outsourcing and conducts activities across a range of sectors under the SIC code 82200

With innovative value-added solutions, NCO Europe strives to deliver outstanding experiences for their customers, employees, and partners.

Management of customer accounts, payments, and support are among the company’s services. In addition to debt collection, NCO Europe is also involved in parking fine chasing for a variety of clients in the financial services industry.

If you are like me, you think this is all just impressive-sounding words for debt collection, and you are probably right. If NCO is contacting you, then you can be sure they are chasing a debt.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt

To find out whether they could work in your situation, hit the button below.

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Who Does NCO Europe Work For?

As a debt collector, NCO Europe sends debt letters to residents of the UK on behalf of various clients, including those in the financial services industry

To secure affordable repayment plans for overdue accounts or to guide customers to where they can receive free financial advice, the company interacts with its client’s customers, and sometimes with their appointed third-party representatives.

NCO Europe manages overdue accounts or debts for clients in a wide range of industries, primarily in financial services.

How To Contact NCO Europe

Unlike some other debt collectors, there are quite a few contact methods available on NCO Europe’s website, all of which can be used to reach out to them:

  • They can be contacted by phone at 0330 060 1500. The call is free on most mobile networks within the UK.
  • They can be contacted via email at [email protected]
  • They can be reached by post at New City House, 57-63 Ringway, Preston, Lancashire, PR1 1AF.
  • Their website allows you to manage your account or make payments. You can register for an online account if you don’t already have one.

The following are their opening hours for customer service:

  • Monday to Thursday: 8am to 8pm
  • Friday: 8am to 7pm
  • Saturday: 8:30 am to 1pm
  • Sunday: Closed

When you have a complaint, you can use the Resolver tool to contact NCO Europe customer service. This independent issue-resolution tool simplifies the complaint process by enabling you to raise and resolve consumer issues.

Why Is NCO Europe Trying To Get in Touch?

A key part of NCO Europe’s activities is debt collection. They specialise in multilingual business process outsourcing and work in a number of different sectors.

It’s likely that NCO Europe is trying to reach out to you in order to recover a debt for one of their clients, which might be related to financial services or parking fines.

To initiate the debt collection process, NCO Europe typically sends letters to UK residents, which may seem threatening to some, causing them to panic. NCO Europe offers a copy of the original credit agreement to customers who are unsure whether the debt is valid.

Is NCO Europe Harassing You?

Debt collectors are notorious for being over the top when trying to collect a debt. But too much contact could be seen as harassment, which is illegal. I have listed some typical forms of debt collector harassment, below.

  • Excessive contact by debt collectors is forbidden. For example, they cannot repeatedly phone you, visit you at home, or bother you in public. If you request to be contacted by email or post, they must follow this request and should not contact you via any other method.
  • Unlike creditors, debt collectors do not have permission to call or visit you at any time of day or night. They must keep their attempts to contact you within reasonable hours.
  • If you don’t give your permission, a debt collector cannot reveal your financial situation to anyone else. Your employer is also prohibited from discussing your borrowing without your permission. This includes discussing your debt with a family member, friend, or neighbour.
  • As debt collectors do not have extra-legal powers like bailiffs, they cannot force entry or take possession, so pretending to be a bailiff would be considered harassment.

Debt collector harassment involves any action that makes you feel distressed, humiliated, or threatened. Debt collector harassment is illegal. You can complain to the creditor, the Financial Ombudsman, and the Financial Conduct Authority (FCA) if you feel harassed by a debt collector.

If you decide to complain, it is important to gather as much evidence as possible (e.g., call logs, dates, times) and first send your complaint to the debt collection agency. The Financial Ombudsman can investigate your complaint if you are not satisfied with the response. You need to provide your personal details, your version of events, and any evidence you have. Most types of credit can be handled by the Financial Ombudsman Service if you have concerns about debt collection.

How To Stop NCO Europe From Hounding You

Now you know what can be seen as harassment, I need to cover the steps you can take to stop a debt collection agency such as NCO from contacting you. I’ve explained some steps, below.

  • The first step is to confirm that you actually owe the debt. You can do this by asking for a copy of your original credit agreement from the debt collection agency. You may not owe the debt if it belongs to someone else or if it has already been paid in full.
  • Communication is crucial: You need to stay in touch with your creditors or debt collection agency. It is not advised to avoid or ignore their letters as it could lead to an increase in debt, missed opportunities to resolve issues and more intrusive contact attempts.
  • Decide what method of communication you prefer. For example, you might ask the debt collection agency to only contact you through by post instead of calling or visiting you.
  • It may be possible to write off some of the debt if you cannot afford to pay it off. Many people in the UK are able to do this legally.
  • A complaint can be made to the creditor, the Financial Ombudsman, or the Financial Conduct Authority (FCA) if you feel that you are being harassed by a debt collector.
  • Getting advice from a professional may be helpful if you are unsure how to proceed. You can reach out to organisations such as Citizens Advice Bureau and StepChange for assistance.
  • You should remember that harassment from a debt collector includes the use of excessive phone calls, home visits, and revealing your debts to others. If you contact NCO and ask them to stop harassing you, they must do so.
ow To Stop NCO Europe From Hounding You

What Laws Apply to Debt Collectors in the UK?

There is a whole range of laws and regulations that apply to debt collection in the UK. These protect your rights and aim at making collection agencies act in an ethical manner. I’ve explained some of these laws in this section.

  • Debt collectors are regulated in the UK by several laws and guidelines that aim to balance creditors’ rights to recover what they’re owed with debtors’ rights to fair and respectful treatment.
  • Firms that collect debt for a third party must obtain permission from the Financial Conduct Authority (FCA). This also applies to those collecting debts arising under credit agreements, consumer hire agreements and regulated peer-to-peer loans. Firms offering outsourced services to lenders are likely to need their own permission as well.
  • In order to collect debts, creditors are required to follow certain rules and regulations. If these guidelines are not followed, it could be considered harassment. Harassment includes repeated, inappropriate, or threatening contact, as well as any action that makes the debtor feel distressed, humiliated, or threatened.
  • Besides chasing legitimate debts, debt collectors can add interest or additional charges, visit your home, withdraw funds from your connected accounts, and assist creditors in obtaining court orders. In any case, they cannot harass you, contact you at work, threaten you with legal powers they do not possess, breach data protection laws, increase interest if you miss payments, or lie to you. On weekdays, they can only call between 9 am and 5 pm, and calling outside these hours is illegal.
  • As part of recent UK government regulations, debt collectors have also been required to simplify the language used in debt letters to make them less intimidating. Lenders must also use bold or underlined text rather than capital letters and limit the amount of information that must be highlighted. In addition to replacing legal terms with more understandable ones, they must clearly indicate where people can get free debt advice.
  • Under certain conditions, a debtor might not be liable for a debt. For example, if it has been six years or more since they made a payment or communicated with the creditor, or if there was a problem when the contract was signed.
  • It is also possible for debtors to challenge debt collectors if they think they are being treated unfairly or illegally. If they are not satisfied with a debt collector’s response, they can escalate their complaint to the Financial Ombudsman Service, which can investigate complaints regarding the collection of debts for most types of credit.

The General Debt Collection Process

I want to take a look at the debt collection and enforcement process in this section so that you understand where a collection agency such as NCO fits in, and what their role is. Creditors can take several steps when a debtor fails to pay back a debt when the collection and enforcement process in the UK is carried out.

  • A creditor typically invoices for services or goods provided, followed by chasing payment. The creditor will begin chasing up the invoice if the payment is not made within the agreed-upon timeframe, reminding the debtor of their outstanding balance. This would also include sending out bills for credit services, council tax, etc.
  • At this stage, the creditor has the option of engaging a collection agency such as NCO to begin chasing the debt on their behalf. Or they may choose to sell the debt for pennies on the pound, to a company that specialises in profiteering from delinquent debts.
  • If the payment has still not been made, the creditor may send a letter before the claim. This letter informs the debtor about the outstanding debt and gives a deadline for payment.
  • If the debtor fails to respond to the letter before claim or settle their debts, the creditor may initiate legal proceedings through the county court. Once a county court judgement (CCJ) is obtained, the creditor can enforce it in court.
  • A court judgment may still need to be enforced if the debtor does not pay. A court may also order the debtor to attend court and provide evidence of their income and expenditure. The court may also send bailiffs to collect the payment. The bailiffs will ask for payment within 7 days of receiving the warrant of control. Debtors who do not pay their debt may have everything in their home or business sold by the bailiff if it cannot be repaid.

Will NCO Europe Take You to Court?

It is important to understand how NCO Europe collects debts in order to determine if they would take someone to court.

By contacting the debtor, sending letters, making phone calls, and offering repayment plans, debt collectors like NCO Europe attempt to collect the debt. In order to achieve this, they will use a variety of methods. It is possible that NCO Europe will take further legal action, including taking the debtor to court, if these initial attempts to collect the debt fail.

It’s important to note that the actual decision to take someone to court will likely depend on various factors, such as the size of the debt, the debtor’s financial situation, the costs involved in taking legal action, and whether or not the debtor has the ability to repay the debt. However, typically, you can expect to receive at least a letter before a claim from NCO if you don’t pay the debt, even if they have no intention of seeking a CCJ.

You should seek advice if you have received a debt collection letter from NCO Europe and are concerned about potential legal action, don’t ignore the debt, it won’t disappear by itself.

Can NCO Europe Send a Bailiff to Your Home?

Despite NCO Europe’s claims, it won’t send in bailiffs. NCO Europe is a debt collection agency that operates throughout the UK. They buy debts from various clients and then take on the responsibility of collecting them.

As a debt collection agency, NCO Europe does not have the same legal powers as bailiffs (also known as enforcement agents in the UK). If you owe unpaid debts, such as council tax, parking fines, court fines, or judgments from the county court, high court or family court, bailiffs may visit your home to collect them. But the bailiffs will not have been sent by NCO.

NCO Europe is not legally permitted to send bailiffs to your home as a debt collection agency. In some cases, they may be able to take legal action to recover debts, but they cannot send bailiffs directly. If a court action is successful, a County Court Judgement (CCJ) could be issued, and failure to comply with the terms of a CCJ could result in bailiffs being used, but this would be a decision of the court, not NCO Europe.

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to beat NCO Europe
How to beat NCO Europe

Looking into debt solutions could help. 

  • Lower monthly payments
  • Reduce pressure from the people you owe
  • Affordable monthly repayments.