Should I Pay Arrow Global Debt?

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.

Dealing with a debt collector can be tough. You might have a lot of questions and worries.

Don’t worry; you’re not alone. Each month, over 12,000 people visit our site looking for guidance on debt problems.

In this article, we’ll help you understand:

Who Arrow Global are, and if their debt claims are real
How you can lower your repayments to Arrow Global
What to do if you receive an Arrow Global Debt letter
Whether the debt Arrow Global is seeking is too old for you to pay
What Arrow Global Debt can legally do

We know what it’s like to have debt worries; some of our team have faced the same problems. But remember, you have rights when dealing with debt collectors, and we’re here to help you.

Do you have to pay Arrow Global?

You might not have to pay Arrow Global.

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.

Who is Arrow Global?

Arrow Global Debt buys debts from third-party businesses. Their client base is vast and includes:

Retail Banks
Shops and stores
Credit card providers
Telecommunication businesses

The company is Manchester-based in the UK but has offices in Ireland, Portugal, Belgium, Italy and other European countries.

Other companies are owned by Arrow Global Debt which means you could be contacted by Capquest Debt Recovery Ltd. The core business claims to work hard to help debtors solve their problems by offering realistic payment plans but this is debatable!

Is Arrow Global Debt legit?

Yes. Arrow Global Debt is a legitimate debt collection company. However, the confusion stems on whether they are thanks to different letterheads used by the company.

For instance, you could get a letter from Capquest Debt Recovery instead or Arrow Global Debt. In truth, Capquest is an arm of the parent company that operates in the UK.

Other names Arrow Global Debt use are:

Arrow Global
Arrow Debt Collection
AGL
Arrow Global Limited AGL
Arrow Global Group AGL

Arrow Global Debt is regulated by the Financial Conduct Authority (FCA) and today is one of the largest debt collection companies in the UK.

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.

Get Started

Do I have to pay Arrow Global Debt?

You may have to pay Arrow Global Debt money owed if the debt collection agency can ‘prove’ the debt is yours. That said, the company can’t just say you owe the money because they believe you do!

Arrow Global Debt must provide you with hard proof that you owe the money!

How should you respond to an Arrow Global Debt letter?

When you get a letter about a debt the first thing to do is ask Arrow Global (or Capquest) to prove the debt is yours! You don’t have to do anything until the collection agency provides you with solid proof that you owe the money!

The best way to respond to an Arrow Global debt letter is to be transparent about your finances. So, for instance, if you’re experiencing financial hardship, let the debt collector know.

But only after they provide you with proof the debt is yours! And seek advice from one of the debt charities in the meantime!

Can you ignore an Arrow Global Debt letter?

No. You shouldn’t ignore an Arrow Global Debt letter for several reasons which I’ve listed here:

First, the debt may not be yours!
Second, you could miss out on being offered an affordable payment plan!
Third, you could end up with a County Court Judgement (CCJ) on your credit record!
Fourth, the debt may be statute-barred and therefore unenforceable!

Ignoring letters from debt collection agencies doesn’t mean the problem disappears. It just gets worse and more expensive when you don’t deal with a debt problem head-on.

You can contact a debt advice charity if you’re unsure what to do or feel you can’t cope with the situation.

The advice is free and could be invaluable in getting you back on track!

Is the debt Arrow Global seeking statute-barred?

The law says that debts over six years old are no longer enforceable. The legal term for this is that a debt is statute-barred. If this is the case, Arrow Global can’t chase you for payment and courts won’t register a CCJ against you.

However, although the debt is no longer enforceable after six years, it doesn’t go away and could still impact your credit history!

Take a look at what happened to one person who got a letter from Arrow Global over a debt:

Source: Money Saving Expert

What can Arrow Global Debt legally do?

Arrow Global Debt can legally do certain things to recover a debt. But there are things debt collectors can’t do as well!

For example, Arrow Global Debt can:

Call you by phone regarding the debt
Send you letters requesting payment
Contact you via email
Visit you at home
Ask you to pay them
Start court proceedings to recover a debt

However, debt collection agencies cannot do the following:

Contact you at all hours of the day when you’ve written to them requesting that they can only call you at certain times of the day
Act in a threatening or intimidating manner in their communications
Be deceitful and claim to have powers they don’t have. For instance, pretend they are Enforcement Agents (bailiffs) which is a criminal offence!
Force entry into your home
Discuss your debt with other people including employers, family members and friends which breaches your privacy
Visit you at your place of work
Refuse to leave your premises when you ask them to
Seize your belongings
Clamp your vehicle

Find out your debt options

Why is there an Arrow Global Debt report on my credit history?

Chances are you have a CCJ on your credit history because you failed to pay a debt Arrow Global Debt was chasing you for. Or maybe you ignored their correspondence and the case went to court.

When a debt collection agency wins the case against you, a CCJ is registered on your credit history! To avoid this happening, try to stay in contact with Arrow Global Debt and work with them to set up a reasonable payment plan.

But make sure you can keep up with the payments to avoid things turning upside down again!

What debt advice is available in the UK?

Being contacted by Arrow Global Debt over a debt can be upsetting and stressful. Don’t panic, you’re definitely not alone. More people are in debt today for a variety of reasons and it’s not their fault.

So, if you need free advice, there are several debt charities to turn to which could help you through a stressful time. I’ve listed a few of them worth contacting here:

“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.

Get Started

How do you contact Arrow Global Debt?

I’ve listed how you can contact Arrow Global Debt here:

By phone	+44 (0)800 130 0169
In writing	Arrow Global Group LimitedBelvedere, 12 Booth Street, Manchester M2 4AW
Via email	[email protected]
Website:	www.arrowglobal.net

Lastly, Should I Pay Arrow Global Debt?

You should only pay Arrow Global Debt when the company has proved the debt is yours. In short, first, ask the debt collection agency to prove the debt belongs to you. And do so in writing by sending the letter registered post!

If Arrow Global can prove the debt is yours, work with them to sort out a realistic payment plan!

Don’t ignore any correspondence you get from the debt collector because you could miss out on sorting things out to your advantage. Moreover, you could get a CCJ registered on your credit history when you ignore things!

Thanks for taking the time to read my post. I hope the information helps answer your question ‘should I pay Arrow Global Debt’ so it saves you stress, time and money!