Do you owe money to NCO Europe?
If you have debts of over £5000, you may be able to write off your debt with an IVA

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NCO Europe are a company who deal with debt collection. NCO Europe Limited (registered in England and Wales company number 03122581) are registered with the Financial Conduct Authority (FCA) allowing them to collect debts in the United Kingdom. Their registered address is: New City House, 57-63 Ringway, Preston, Lancashire PR1 1AF, telephone 0330 060 1500.

Important: Do not let NCO Europe into your home, no matter what they tell you. Contact us immediately and we will try to deal with them on your behalf.

Let’s find out more about NCO Europe and how they work…

Owing Money to NCO Europe

If NCO Europe come to your house for debt collection purposes, they will be there in their capacity as debt collectors.

Have NCO Europe been in touch with you via phone, email or by paying you a visit? If so then you need to know that are steps you can take that can help you in your dealings with debt collectors like NCO Europe.

Owing money to any debt collector or debt collection company can be a difficult and overwhelming experience, it is therefore important that you know what steps you can take to protect yourself.

One of the most important things to point out is that if NCO Europe as debt collectors come to your house then DO NOT let them in to your home. Contact us as soon as possible and we will help you to take steps to deal with them.

Before we guide you on what you should be doing, let’s have a look more closely at NCO Europe and how this debt collection company operates.

NCO Europe are essentially debt collectors who will contact you in order to collect debt.

They normally appoint agents in the field who will attend your home in order to discuss what you owe to NCO Europe. You might be surprised to receive a visit from NCO Europe and it can be distressing to have them arrive at your home. Often you won’t have heard of them and may be distressed to find them at your door.

NCO Europe are a debt collection agency and they will often buy debts from others companies and then pursue those who owe the debt.

Will NCO Europe Come to My House to Collect Debts?

The answer to this is yes, NCO Europe will send agents to your house to collect the debt . If you owe them money then the visit will not only be difficult for you but can affect the family members you live with.

NCO Europe will always write to you informing you that they are now dealing with the debt and are regulated by the Financial Conduct Authority. They will have contacted you to inform you that you have a debt accruing, confirm the amount you owe, detail any charges and ask you make a payment quickly so the debt can be settled.

The letter from NCO might also state that a field agent will be paying you a visit soon at your home address, and that you must make a payment to settle your debt immediately. Do not ignore this letter! NCO Europe will also most probably call you multiple times a day.

Any field agent who attends your home on behalf of NCO Europe will be looking to seize assets as a form of repayment of the debt.

What if NCO have contacted me?

If NCO Europe have written to you then it is imperative that you take action now. Do not think that ignoring the letter will make the problem go away. In all likelihood this could make things worse.

There are steps you can take to ensure that you deal with this situation in the best way possible.

The first and most important step to take is to call an independent debt advisor who can talk you through the process and give you advice on what action you need to take.

Once you get in contact with a debt advisor they will ask you for details of your circumstances so they can understand the background, and they will be able to advise on what you need to do.

Will NCO Europe chase me if I ignore them?

Inoring the letters and calls from NCO Europe is the worst thing you can do. NCO Europe are unlikely to go away, in fact they will probably escalate the calls and letters to you forcing you to pay money.

They will find alternative numbers to call you on, and they could even try and trace you on social media and contact you via different platforms.

Can NCO Europe take me to court?

Once NCO Europe send out a letter they will normally offer you a payment plan, but this payment plan is not always the best plan for people to pay debts off.

If you do not come to an arrangement or solution in relation to settling the debt then NCO Europe then they can commence county court proceedings against you.

Their aim will be to get a county court judgement against you.

What debt do NCO Europe Collect?

NCO Europe is an outsourcing partner working with financial organisations in the UK. As they are registered in the UK they collect debts due from residents in England, Wales, Scotland and Northern Ireland.

By working for banks and other financial organisations such as loan companies and credit card companies, they recover unpaid debts and take a fee or commission for doing this work and getting people to pay their debts off.

Some of the debts NCO Europe might collect include credit cards debt, parking fines, loans, council tax debts and utility bill debts. They will continue to chase you until your account with them is cleared.

What to do if NCO Europe come to your house

The number one rule is to ensure that you do not let them in to the house. The second most important thing to do is to call us and get some advice on how you need to proceed. What you cannot do is let NCO Europe into the house under any circumstances.

Make sure the house entry points are secured, lock all the windows and doors to your house. NCO Europe have no legal right to enter your home, they are not bailiffs. Remember, any debt collectors or bailiffs cannot enter your house unless you invite them in.

Do NCO have the right to chase me?

NCO Europe have the right to chase you for repayment of the debt as part of their debt collection services, but they cannot intimidate or harass you.

However, if you have any debts secured against your home and you owe money then you need to be extra careful when dealing with debt collection agencies. Whilst you should not lose your home, as creditors NCO Europe could make an application to the court to secure any unsecured debts against your property.

This is why it is important to take action as soon as possible, to prevent NCO Europe from initiating court action that could cause you stress and affect your home.

I have no money

If you just do not have the money to make the payments to settle the debt owed to the debt collectors, then you need to ensure that you do not make any arrangements for repayment with NCO Europe. If you do it is likely that you will not be able to make the payments you have agreed to.

Get in touch with IVA Advice and we will help you manage your debt and your dealings with NCO Europe. We will ask for details of all the debts you have accrued and work with you to find a solution.

What rights do I have if I owe them money?

As a UK citizen you have rights that protect you, these include the following:

  • the right not to be harassed by NCO Europe or any debt collection agency
  • if you feel harassed, tell NCO Europe to write to you only as you do not want to be contacted by phone or email.
  • you have the right to ensure that NCO Europe do not contact your friends, family or neighbours. The Data Protection Act means that legally they cannot discuss your case with others.
  • as creditors they cannot fabricate documents or tell you information that is not true
  • NCO Europe cannot act in a threatening or abusive way in their capacity as a debt collection agency and if they do this is not legal. If you feel NCO have acted in this way you can make a complaint.

How can IVA Advice help?

If you owe money to NCO Europe, then call us immediately.

We can help you to stop NCO Europe Ltd from contacting you and sending threatening letters. We can also stop them from visiting your home, texting, emailing and messaging you. Not only that, we can help you so that any debt collection company who is contacting you stops doing so.

Our aim is to help you find a debt solution to your debt management problems. We work with you to find solutions that are manageable for you and work towards you becoming debt free.

Our Services

What we can do:

  • stop the debt collection agency or services from contacting you directly
  • help you find solutions that can write off the debts you owe to make you debt free
  • work with you to consolidate your debts into a realistic monthly payment plan
  • help you get out of the loan after loan cycle you may be trapped in
  • help you to freeze interest payments and charges on debts you owe
  • offer a variety of debt solutions so you are debt-free
  • help you manage credit cards and other debt
  • work with you to prevent court action
  • free qualified advice to help you

We have helped thousands of people with their debt.


Our expert advisors are on hand to work on your behalf, providing bespoke confidential debt advice on Individual Voluntary Arrangements (IVAs) and a debt solution that works for you.

An IVA is a debt solution arrangement which allows you to merge and consolidate all your debts into one monthly payment that is affordable to you. You can pay from as little as £80 a month if an IVA is in place. In order to repay the debt you commit to a period of time for making the monthly payment under the IVA, usually 5 years. After this time the debt should be legally written off.

For many people, going down the route of an IVA can result in almost 60% of their debt written off. Visit us now online at our website for a free online test to see if you are eligible for an IVA solution.

Frequently Asked Questions

Are NCO Europe authorised and regulated?

Yes, NCO Europe Ltd are a registered company authorised to collect debts. NCO Europe are regulated. Their FCA number: 662151 . They are also a member of the Credit Services Association so they can legally contact you. If you feel they have treated you unfairly you can make a complaint to the Financial Ombudsman.

How can I contact NCO Europe?

You can write a letter to Customer Enquiries, NCO Europe at their registered address which is at New City House, 57- 63 Ringway Preston PR1 1AF Lancashire. You could also contact them online as If you do get in touch them make sure you have their reference number to hand. You can also phone their customer service team, just call 0330 060 1500 (this may be free or charges at a local rate). You can also contact them via their website.

Can I get rid of the debts NCO are owed?

At IVA Advice we work with you to examine your unsecured debts and work with you to try and write off as much of your debt owed to creditors. Contact us today and we can discuss your account and any debt you have from credit card debt, to home loan debt, and bills. If you have received a letter from NCO Europe then contact us now. We can deal with them on behalf of you. If they start court proceedings you could find yourself in difficulty.

Are NCO debt collectors or bailiffs?

NCO Europe are not bailiffs. They are debt collectors who collect payments owed to companies. They act in the same way as your lender would or credit card companies would and chase you to pay any outstanding debt owing, they collect debts on behalf of their clients. Bailiffs are different and can seize assets, taking possessions from your home.

Will an IVA affect my credit history?

The IVA will remain on your credit report for 5 years so during this time your credit rating will be affected. It usually then takes another 12 months to have it removed from your report.

If you are worried about NCO Europe, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.

Thomas James

Senior Debt Specialist at IVA Advice

I am a Debt Specialist with over 10 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry.

I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on debt matters.

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