NCO Europe Ltd Avis 

Closed my account as complete with £10.98 credit in December 2025, credited me the £10.98 back to my bank account in Feb 2026.....account closed and debt settled..... I have it all documented.... They have now added 5 missed payments onto my credit report? The account was settled and. Closed by them.... They bought my account of duologi and I had to complain to the fca to get in touch with nco initially... Created a direct debit mandade I didn't sign.... Now after my account being settled they do the above..... Contacting fca again as I have all the evidence to back the account being settled in full..... Never use these people.... Fraud and they closed my portal as I settled the debt and I have had no contact since...... Dodgy and will be taking this further.... NOW LOOKED INTO THIS FURTHER AND HAVE BANK RECORDS TO SHOW PAYMENTS WHEN YOU SAY I MISSED THEM AND ALSO THE AGREEMENT WAS 24 MONTHS AS AGREED... YOUR RECORDS ARE WRONG.... NOW STARTED FURTHER ACTION AGAINST YOU.... AVOID... AVOID..... AVOID.... AVOID... ##update... Thanks for the email below that I have already contacted with no response

1 Star — Avoid
​I took out an item on finance a few years ago and have never missed a single payment. Over time, the account was passed between companies until it landed with NCO Europe.
​Out of nowhere, they rang me claiming I had "cancelled my Direct Debit" and asked if there was a problem. I wasn't aware of any cancellation at all. They then claimed there was a small remaining balance of £68 left on the account, which I paid on the spot over the phone under pressure.
​After speaking with others and looking at recent reviews here, it is clear this is a routine pattern they use on many customers. Claiming a Direct Debit has been cancelled is used as a tactic to cause panic and force immediate card payments for small residual balances.
​I have submitted a formal complaint under FCA rules and will be taking this directly to the Financial Ombudsman Service if it is not resolved properly. Misleading customers with false claims about cancelled Direct Debits to force instant payments is completely unacceptable.

I would like to massively thank Farouk Ahmed. I had an issue with a payment which affected my credit report. He handled my case in a dedicated, professional & thoughtful manner. He is a credit to your company and should be recognised for his efforts with a pay rise or a move up.
Thanks again Farouk.
Michal Shelle.

Cold called me and demanded security information to continue the call -I have never heard of this organisation.

If you want to call anyone NCO Europe prove who you are first.

Please don’t ask me to email you at your enquiries address as I can’t do that as I don’t know who you are and Martin Lewis advises people not to engage with cold callers at all as it most likely will be a scam.

I am a pensioner and unwell and your harassment is making me worse and causing some much stress and anxiety.

Farouk was brilliant, even when the was angry, he kept his cool. Most importantly, he was a man of his word. He said he would call me the next day and did just that. We need more Farouk’s working for NCO.

Dreadful company.
I had a loan for an item that they then took over from Duologi. It is a loan I have always paid on time, no issues whatsoever.
Then I get a random call and they have cancelled my direct debit with only two payments to go to verify I am still ok with the payments. Why the heck would they do this? I have raised a complaint and if I don't get a satisfactory response I am going to the ombudsman.
I would understand if I had bad credit or had missed payments, but the account is perfect and only has 2 payments left.
Why can't people just leave things be instead of raising my blood pressure? Awful. Avoid at ALL costs.

I decided to upgrade some musical equipment and took out finance with a finance company who passed the reins to NCO Europe, who mistakenly took my initial deposit as a payment so when my 36 payments in their eyes had been paid failed to actually take my last payment, then when they realised they had not taken the last payment they reported me for a missed payment, I only realised this when my credit score took a dive. Obviously I contacted this company as they were the only ones I had credit with, they said I needed to make one more payment, which I did immediately but made sure that they realised it was their fault and not mine, they apologised profusely and promised they would contact the necessary people to put my credit score back where it should be. You know this is not the end of the story because on 31.03.26 a message came up on my credit score saying I had missed a payment, so yes I phoned. them again today and I heard the usual tales of “cannot understand how that has happened” etc etc they said that on their books my account was paid and closed last February, and that I should send a copy of the email I had received from Experian which I have done. Hopefully my credit score will be corrected.

Farouk Ahmed - so so so helpful, quick efficient. Went out his way to ensure I had my issue solved. Thank you so much.

Farouk Ahmed was kind, courteous and very knowledgeable. Thank you Farouk for your help and assistance it’s MUCH appreciated.

Received excellent customer service from Farouk Ahmed who was very helpful and patient. He fully resolved my query.

Abusive staff, talk over you then shout at you as you wasn’t being allowed the chance to talk, he then raised his voice at me. His manager is also forcing me to do another income expenditure despite having one only 8 weeks old. This is also not helpful because I’m offering a full and final settlement, not monthly payments. They are abusive and making things difficult for me unnecessarily. No one should experience abusive treatment.

Ho un piano di rientro a saldo e stralcio, sul sito non risulta l'accordo e non riesco a ricotattarli al numero di telefono risponde il centralino di "mi piace così"per le diete personalizzate, non ho avuto riscontro neanche alle mail inviate

Terrible.. I had a amex card. I neeeee to pay before the 11th of januari which I did. Amex had a problem with there payment systeem so it was sent to nco Europe but it was paid already.. now almost a month later en multiple phone calls and e-mails and also sending proof of payment. The case is still open.. The people of customer care are horrible not friendly at all and make up lies for there mistakes.. and now it still takes weeks according to them to close this.. Uhm why I paid.. in full.. shouldn’t be with nco in the first Place and now they won’t close it? No no I go to court if I have to.. and I Will win this because there is no outstanding balance.. there wasn’t one when the first mail was sent.. so close the case

Richard Welham was amazing. His sense of humor and care made the experience which isn’t so much fun amazing. He was very informative and explained things in much detailed which I appreciated. I’m always amazed by great customer experience as it’s rare these days but he hit on the head. Thank you Richard!

Would give NO stars if I could. Set up a payment plan with them and after a year of paying consistently they emailed about updating my financial information - I replied and stated that nothing had changed - they stopped taking payments without telling me (not sure why?), recorded a default on my credit file and referred my debt to another company. I have contacted them to rectify this as the default was false and therefore fraudulently recorded, they are trying to pass the buck and told me to contact the original client. I'm in the process of instructing a solicitor to take them to court - I'm told the default can be removed and I can get compensation for damages from them.

I can’t fault nco I was able to settle a account when speaking to Delphine on the phone thanks for all the help

Farouk at NCO Europe was very helpful and professional. He took the time to understand my query and managed to resolve it efficiently. Excellent service and highly recommended.

Had a lovely conversation with a young guy called Jason Singh and he really was the epitome of professionalism and has sorted my debt out for me. Thank you very much Jason! A credit to the company!

I phoned NCO and got speaking to Farouk Ahmed....he was fantastic. He was knowledgeable, polite, articulate and has been my light in a very dark tunnel. He sorted payments for me, and went over and above to do what he could for me. If anyone has any dealings with NCO ask to speak to him - i guarantee he will do his very best to help.
NCO please note - this man needs a promotion!!!!

NCO Europe, will not update my credit report, therefore it is showing up as High Impact which is effecting my credit score, I have tried contacting them to no avail, they want me to set up a payment plan however I am managing this on my own, pls note I was never behind on my payments from Vanquis Bank who sold my account, therefore I will not get into an agreement with a company that I did not ask for