NCO Europe Ltd Reviews 

I am extremely disappointed with NCO Europe. My debt was apparently transferred to them, but I was never notified of this change. They have been taking money from my account every month without providing any introduction, explanation, or communication regarding the debt they are managing.

No account was set up, no correspondence was sent, and I have received zero notifications about these withdrawals. This lack of transparency and professionalism is unacceptable.

I have contacted the company to resolve this issue and am waiting for a prompt response. I urge NCO Europe to contact me immediately to explain their actions and address my concerns. This situation has caused unnecessary stress, and I expect full accountability.

Having looked at the reviews I can see that neither you nor duologi have followed any formal process on communicating the change of the credit agreement ownership! - Honestly, if this was done in a structured manner as laid out by UK regulations this would not have happened.

I sent you an email this morning -

Hello,

I am writing, regarding serious concerns related to the handling of my account, specifically regarding the transfer of debt to a third-party company without notification, and unauthorised withdrawals from my bank account.

1. Transfer of Debt Without Notification
According to the rules and principles under the Financial Conduct Authority (FCA), creditors are required to provide clear and timely communication to debtors concerning any changes in the management of their debt, including transfer to a third-party organisation. I have NOT receive any formal notice about this transfer, which is both a violation of transparency obligations and a source of undue stress and confusion.

I would like to formally request:

A comprehensive explanation regarding the rationale behind the debt sale or transfer. Documentation showing when and how I was informed about this transfer, if at all.

2. Unauthorized Payment Withdrawals
In addition, I have been notified by HSBC that payments have been withdrawn from my bank account without my express consent from another company. It is a clear requirement under UK law, including the Payment Services Regulations 2017, that payments cannot be taken from my bank account without clear authorisation. This failure to obtain explicit permission before initiating withdrawals is a breach of financial conduct regulations and my client’s rights under consumer law.

I have notified HSBC about this and they (HSBC) have stopped the direct debit and have launched an internal investigation. (I have a reference for this if you need it). HSBC have also notified me to contact you and raise a complaint followed by launching a formal complaint to the Financial Ombudsman (However as notified by the FCA I need to give you reasonable time to respond to this - which I am!)

As such, please provide:

Evidence of any authorisation I allegedly provided, permitting the debits. A full refund of any unauthorised amounts deducted from my account, with interest, where applicable.

3. Violation of FCA Regulations and Potential Consequences
I believe the above points highlight potential breaches of the FCA’s Consumer Credit Sourcebook (CONC), specifically concerning the fair treatment of consumers and transparency in debt management. Should these issues remain unresolved, I will be advising my solicitor to escalate this complaint to the Financial Ombudsman Service.

Next Steps:

I expect a written response within 5 days of receipt of this complaint. Failure to address the issues comprehensively and promptly will leave my client with no choice but to take further action.

Thank you for your immediate attention to this matter. I trust that you will handle this complaint in accordance with your regulatory obligations and will work to resolve it fairly and swiftly.

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On sending this I get a response from your team saying you need my - First line of your current address (and previous line if you have recently moved), Postcode (and previous line if you have recently moved), Your Date of Birth, Current Balance, Details of last payment made
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However, I do not know 'who you are' and if you're trying to scam me! Or the relationship you have with Duologi
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I personally think your credit control manager and team responsible for this should be put on administrative leave!

Dont answer the phone or return emails. I wasnt happy that dulogi jst gave my details to this company as they don't reply to emails or answer the phone how are you meant to speak to someone. Can they black list you does anyone know as im worried about a late payment but ive tried contacting them to make it.

My bank account was compriomised last week and it has been brought to my attention a new DD was set up in September and October for NCO Europe but I havent been advised or completed a confirmation of a new direct debit with that Company therefore I have reported this to my Bank. As yet I contacted NCO via complaints email on Saturday and tried to call on Monday but you have to leave a voicemail heard nothing back. cancelled all payments as i dont recognise the arrangement however it looks like it might have to do with a take over of another company.

Reading others reviews Duologi have given my details to this company.
I have not set up in anyway shape or form a account with these guys
I am not happy with my details being given out without my permission and no one is answering the phone!

I noticed a NEW direct debit £101 took from my bank, under the name of NCO Europe Ltd, reference "First Payment" .

I have NOT commented to this direct debit and have no idea what it is.

After working and canceling the direct debit, attempting to contact NCO by telephone numerous times and also by email woth no response. I have been searching all day to try and find out what this was.

I read on here that Duologi have sold to NCO ( I have a DD with Duologi) ... why have the customers not been informed of this change over? Reading all of the comment ls on here, I am not the only person that this has happened to.

This is disgusting! Not a letter, not an email not a text or a phone call. I did not even think it was legal to do this without notifying the customer

I was very pleased with the service of this company today . The issue was solved very quick and easy . Thank you

Sadly I seem to be observing the same shameful experience that others are .. I had a loan from Duologi with a DD being taken each month, I can see that the next is due to be taken by NCO Europe. I’ve not received any communication from Duologi or NCO at all to let me know this change - I’d have had no issues if I had been told, but looks like both have let me and many others down. Concerning that my personal details (bank account, name etc) must have been passed on without informing me, have these companies not heard of data protection! Pretty sure you have to let your customers know of such a vital change too, very unethical and dishonest not to do so (I’m sure you’ll claim you have notified as has been the generic false response to other reviews). I will be reporting and will not use this company in the future, would strongly recommend you also avoid.

NCO Europe
Why again are you trying to collect on a debt that is over 25 years old.
Is it because your trying to recover old debt that you have bought.
I'm waiting for your threat of debt collets to call or your day I'm court.
Just rememberer it's out of time ''stataute Barred"
Can't waite

found a direct debit on my bank with these no idea who they are cancelled and reported to my bank as a fraudulant company no point trying to email or call them anyway as theres absolutely no customer service which just screams scammers even more

This is an update from my previous post.
I received a voicemail today from a lady at NCO Europe asking me to call back and quote a particular reference number.
It was to late to call back, so I went on their website and managed to register for an account using the said reference number.
I am much happier now as I can visualise and manage my account online.
I don't understand why they are putting people in a difficult situation when all that is needed is a simple bit of communication.

NCO Europe Direct Debit setup without my consent, contacted bank flagged as fraud and cancelled. Apparently Duologi sold to AG Massey/NCO Europe. Communication has been non-existent.
Website is completely broken. Attempting a payment doesn't even work. Submitting a complaint doesn't work either.

Well I see I got a response from nco on here,well I’ve contacted you 3 times!! You haven’t got back to me, YOU SEEM TO HAVE MISSED READ MY MESSAGE,I have NEVER had a dd with you? So It can’t be altered,I DON’T owe anybody any money,you set up a dd without my consent,YOU HAVE NEVER WROTE TO ME OR CONTACTED ME!! so whoever is using my account to set up a dd,thanks as now I’ve had to shut my account down set up a new one,also to everyone who is reading this,if your unsure check your credit score,if you have an outstanding debt it will be on there,and surprise mine is clear,SO NCO EUROPE IF YOU WANT TO DISCUSS THIS WITH ME,answer one of my messages…..,,

Just found out a direct debit has been taken out of my bank account! No idea who this company is and has been reported to my bank.
How were my bank details even discovered ??

As many of the other recent reviews on here I’ve had a direct debit set up with absolutely no prior notice given. The replies that a notice has been sent out to all people this has happened to is completely false as I’ve scoured through my emails multiple times and there’s absolutely nothing regarding the finance agreement being sold or how to now pay it and an update based on what I owe which should only be the last payment anyway as the upcoming one was the last I owed.

As others have said, this company appears to have obtained my credit arrangement with Duologi and have set up a new standing order. Absolutely 100% did not notify me about this change, I’ve checked my emails and their responses to others claiming they did is a blatant lie, I assume in an attempt to damage control how this looks because one of their staff messed up. Shady finance company doing shady finance company things, won’t be paying with anything by Duologi anymore.

Same as the other reviews on here. A new direct debit has been created with precisely zero contact with this organisation.

I see their replies stating they would have sent a notification...but they haven't. I've cancelled the direct debit.

Update 05.02.2025 - they have finally written to admit that they cocked up the transfer from Duologi. Then to add to their incompetence they send a letter from a different company name, using threatening language, demanding payment.

I love it when a company messes up and then makes it their unwilling customers' fault. I've paid the money but a 1.7-star rating is over generous.

Shambles.

Direct debit set up on my account with no authorisation from me...cancelled and reported as fraud...they are tied to dualogi...I have contacted both companies and the credit ref agency...I think dualogi sold them my account without my consent...these two companies dualogi and nco are connected and the act of setting up a direct debit with no consent is fraud...

3 days on and dualogi won't talk to me, NCO have promised 3 callbacks and nothing....even cut me off after a 20 minute wait...no revised finance agreement, no explanation, now logged a complaint with the ombudsman, I suggest everyone else in this position does the same, also contacting the FCA....their reply below ...well you just can't contact them and they don't call back....what you have done is fraud, and I'm not on my own here....

Had an interview recently. All went super nice. Manager who interviewed me stated that it will take 2-3 weeks for the result until the manager sent an email to recruitment team and accidentally included me on the email stating it's a "no" for me 20 mins after our conversation. Interview was perfect and went beyond expectation but I guess equal employment opportunity for other races is not practiced in this organization. Had a doubt initially because of all the company reviews, both employees, applicants and customers.

Not recommended because of the bias and racism.

Fraudulent direct debit set up on our business account. Be aware