We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Arvato issues / can unregulated debt be written off?
Cheesephetamine
Posts: 247 Forumite
Hi! I wonder if any of the very knowledgeable people around here can help me.
I called Arvato today. They are managing a debt I have with EE as I cancelled my contract way early as I couldn’t carry on paying £200+ monthly for my phone contract and handset. The debt is about £2400
I called them as I wanted to ask them to pass along to EE some paperwork for them to consider writing off my debt (or settling for a smaller amount) as almost all my other creditors have done so due to ill health.
I called them as I wanted to ask them to pass along to EE some paperwork for them to consider writing off my debt (or settling for a smaller amount) as almost all my other creditors have done so due to ill health.
The man from Arvato told me that they won’t do that as the debt I have can’t be written off. I said that I didn’t agree with him as I had a debt with NatWest pardoned and it was nearly £15k. They said that “the debt with EE is different as it is an unregulated debt so each debt is treated differently and NatWest might have done it but we can’t do it”. I said at least pass the paperwork over to EE! He still refused.
Is he telling me the truth or is he bullshitting me?? I had loans, credit cards and a very account written off. All 3 different type of debts. It sounds to me like they don’t even want to try??
Is there any email I can contact EE on in which I can send this paperwork directly myself if Arvato is not being transparent with me?
thanks
Is there any email I can contact EE on in which I can send this paperwork directly myself if Arvato is not being transparent with me?
thanks
TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉
0
Comments
-
He is correct in saying the debt is not regulated by the consumer credit act, as its a service contract, the rest of the conversation is a prime example of why you should never speak to these people on the phone.
Avarto are just acting as a collector here, they do not own your debt, so therefore have no control over what happens with it, they cannot write off a debt that they do not own.
If you want EE to consider writing off your debt, then deal directly with the organ grinder and not their monkey.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Ok. I thought so. I will send them the paperwork directly via post.Are debts not regulated via the consumer act unable to be written off / not pursued?TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉0
-
Any debt can be written off at the creditors discretion, it makes no difference whatsoever.Cheesephetamine said:Ok. I thought so. I will send them the paperwork directly via post.Are debts not regulated via the consumer act unable to be written off / not pursued?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Oki doki. No harm in trying. Thanks
TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards