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You Might Not Have to Pay Arrow Debt Collectors!

Are you being contacted by Arrow Debt Collectors about an outstanding loan? Do you owe the money but you are not in a position to pay it back? Maybe you don’t even recognise the debt? Are they going as far as to say they will take you to court? If these questions relate to your circumstances, this article should be able to help you. You might not need to pay them back!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel better tomorrow.

Arrow Debt Collectors

Who are Arrow Debt Collectors?

Arrow are a credit management company that deals with loans, specialist assets and debt purchasing too. They purchase their debt from a number of different companies, including retail banking stores, credit cards, and telecommunication companies. They also state that they are dedicated to working with people who owe the money, devising repayment plans that are going to work for them both.

Don’t worry, here’s what to do

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

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Learn how to fight back!

Are Arrow Debt Collectors Legit?

Arrow are a member of CSA and CIFAS, they are also subscribed to the Standards of Lending Practice. This means that you can safely assume that they are a legit company. However, just like any other debt management and collection companies. If you are advised that you owe money, then you might want to hold off paying back the money straight away.

What does Arrow Debt Collectors Do?

Arrow, like other debt companies out there, purchase debt from lenders, which is then managed and collected solely by Arrow. This can be confusing for the consumer, as they may think that they owe money to one place, only to discover that it has been transferred elsewhere. In this case to Arrow.

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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.

What does Arrow Debt Collection Process look like?

Arrow looks like they deal with debt management in much the same way that other debt companies do. They will often get in touch with their customers via the phone and they may also write letters to them. It does not appear that there is any online portal that allows debtors to pay, however, there is usually the option to create a payment plan or to pay over the phone.



4 out of 5 stars (4 / 5)

The Good:

(Farnborough office) Proper helpful ladies both times , I cannot fault the service received from them however they have failed in removing a debt which was not mine off my credit file and are now telling me that I have to contact Equifax or experian to get it removed off my file despite this debt being none of my doing . I was told it would be removed after 10 working days and it still has not

The Bad:

This is a debt company that buy debts for more or less nothing
they never send you any information except through a solicitor
you ask for evidence and they send you nothing
they totally breach the FCA guidelines and they are getting away with it
so far,they add incorrect information on your credit file at a touch
of a button,this will all change in due course,we are coming for you arrow global & from what we read many more too

What is the reason for the contact by Arrow Debt Collectors?

You may not be aware of how many people are struggling with debt, but the number is high, and debt collection is a massive business. There are different types of debt collectors, including Arrow Debt Collectors and they come in a range of shapes and sizes.

There are debt collection agencies who work as independent businesses, while others may be part of the company you have the original debt with. This may be a credit card company, bank or any other company you have the debt with. You may even find that some debt collectors work as individual sole trader debt collectors.

These debt collection companies operate by purchasing debt at a fraction of the original value. This can sometimes be only 20% of the face value, which means the company are making pure profit when they collect the debt. However, they need to collect the money to make a profit, and herein lies the problem. The last thing they want is to end up losing money, so they will keep contacting you in the hope that you will pay up. These debt collection agencies don’t have a lot of concern about the reasons behind the debt, they don’t care (to be blunt), they just want you to pay up. There are not a lot of morals involved in this. The Office for Fair Trading (OFT, 2010) have looked into this and realised that bad practices are all too common.

Check if you really own the money!

Do you really owe the money?

If you are unfamiliar with the debt or you believe you have already paid it off, there are some steps you can take? The first thing you should do is find out where the debt came from and the total cost of what you owe. The debt collection company should be able to provide you with a breakdown of the costs, including any interest and charges. The value may be a lot higher than you remember, if you do in fact remember the debt.

If in any doubt, you can contact Arrow Debt Collectors and request that they send you a copy of the original credit agreement. If they cannot provide this for you, for any reason, you will not need to pay back the debt.

Can pay but won’t pay?

If you do owe the money, you have a responsibility to pay the debt, and the best thing to do is to clear your debt as soon as you possibly can. If you don’t have the funds to pay it all back in the one payment, you can speak to Arrow Debt Collectors, and ask them to set up a repayment plan. It is important that you only pay debt if you are going to be able to take care of your other bills and day to day expenses.

How debt collectors can ruin your life

Debt collectors can ruin your life

It is unfortunately, not particularly unusual for debt collectors to put questionable tactics into place to try and recover the debt, even if these are not in line with the law. The common types of tactics include trying to pressure you into paying and bullying threats. They may also persistently try to call you to recover the debt. In the hope that you will tire of the calls and just pay up to get some peace!

If you are being persistently contacted by Arrow Debt Collectors, there is no doubt that this could have a detrimental effect on your life. The effects of this include emotional distress, mental illness, and in some cases, they may even contemplate suicide. According to the debt support trust, as many as half of people with debt problems will even consider suicide. The signs are extremely worrying that debt problems are having such a detrimental effect on people, and although the situation has improved over the years, it is still very much a problem. This is why the government had to end up stepping in to take charge of the situation and this meant dealing with debt collection agencies head on!

Arrow and the law

Arrow Debt Collectors and the law

The Office for Fair Trading (OFT, 2012) ended up publishing a set of guidelines which was designed for the debt collection business. in summary, these regulations meant that Arrow Debt Collectors were responsible for:

  • Treating debtors fairly and refraining from using aggressive practices, coercion, deceit, or be oppressive, unfair, or improper
  • Be transparent and provide clear information that is not confusing or misleading
  • Be considerate towards debtors experiencing difficulty
  • Act proportionately taking into account debtors’ circumstances.

If you are being intimidated by Arrow Debt Collectors who are not abiding by these guidelines, then you have a good case for reporting them to the OFT which has the power to remove their license.

To make a complaint about Arrow Debt Collectors, you can use this online complaint form.

Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. That is a clear case of deceit, though they are likely to claim that this information appears in the small print.

Understand how they operate

Understanding how Arrow Debt Collectors operates

Understanding how debt collection agencies operate can help you defend yourself against them.

They are on a bonus

The Arrow Debt Collectors agents who phone you are likely highly incentivised and are expected to collect a specified minimum amount of money per hour. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. Hence, they will do what they can to collect some money rather than record a “No Payment” call, including making intimidating and threatening behaviour.

The lesson here is if you are able to be strong and stand up to threats from Arrow Debt Collectors, knowing that their threats are empty, you can to some extent turn the tables. Keep them talking but just don’t pay. You will still owe the money, but at least you won’t have to pay that day.

Automated call technology

You might be tempted to simply not answer calls from Arrow Debt Collectors, but when this happens agencies often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer. Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you.

If this happens to you make a note the frequency of the calls. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. Tell the agent that you will be reporting them to the Financial Ombudsman.

The best way to contact the Financial Ombudsman is by phone on 0800 023 4567 or 0300 123 9123

Bad cop, good cop

Bad cop, good cop is a tactic frequently employed, and often is highly effective. When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. This change in attitude can happen in a single phone call where the agent starts off politely but should you fail to make a payment their behaviour becomes abusive. Nor is it just relentless phone calls. Frequent threatening and sometimes sinister letters are another common practice. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment.

It is difficult to stand up to such behaviour, which is exactly why they use it. But again, you should try to stay strong if you possibly can. Report it to the OFT using this online complaint form.

Embarrassing you by talking to third parties

If someone apart from you answers the call then agents frequently attempt to embarrass you by discussing your debt and financial problems with whoever answers the call. This could be a family member at your home, or it could be someone at your workplace. This is certainly illegal behaviour and breaches not only OFT guidelines, but also other privacy laws.

Again, such behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Deceit and Lies

Deceit and lies

If everything else fails some debt collectors feel they are immune from the law and will apply some very nasty forms of leverage. They might pretend to be calling from the court, that they are a bailiff and will be visiting your home to remove your possessions, possibly even threatening you with criminal prosecution.

Never give them permission to visit you and if they do then never let them into your home and if you feel physically threatened then don’t hesitate to call the police.

Don’t let them wear you down

As we have seen, debt collectors such as Arrow Debt Collectors are relentless and their behaviour could be responsible for mental ill-health and even suicide. Standing up to Arrow Debt Collectors requires a degree of strength and courage few people possess. But there is help out there. Ultimately you need to get out of debt, but you need to do so in a controlled manner that will minimise your pain and distress. Ultimately all debt problems are solvable.

Getting help with debt

There are various kinds of help with debt available: there are not-for-profit agencies who exist to provide one-to-one help for you, and there are commercial debt management companies whose aim is to make money out of you. The former should be your first port of call. Some of the important agencies include:

  • Citizens Advice Bureau (CAB) provides extensive help with debt and should help you stop debt collectors contacting you if you are able to show you are seeking help and are trying to repay your debts.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take charge of their debt.
Writing off the debt

Writing off your debt entirely

It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA). This is a formal agreement to pay the debt collectors an amount you can afford as a one-off sum or as monthly payments and the rest of the debt will be written off after a defined period, usually five years. This must be carried out by an insolvency practitioner.

Find a local licenced IVA insolvency practitioner here.

An alternative is a Debt Relief Order (DRO). This is only available if you are left with £50 or less each month after paying your household expenses and you don’t own your home or other assets worth over £1000.

To apply for a DRO you will need to go through an authorised debt advisor. You can find a list of authorised debt advisors here.


Despite warnings from professional bodies, government guidelines, and other measures the behaviour of many debt collecting agencies is atrocious, leading vulnerable debtors into mental illness and even suicide. However, it is possible to fight back, especially with some help from the agencies mentioned in this article. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. Certainly, you can stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence.


Arrow are a debt collection agency like most others. They take on and purchase a number of different debts, which allows them to have the experience and knowledge of different forms of debt. They state that they work with people to ensure that their debt can be paid off at a rate that suits them. However, their website does not highlight the ways that debt is collected or can be paid, which means that we are not sure how they work and how easy this all important part of the process is either.


Who owns Arrow Global Limited?

Arrow Global Limited is ultimately owned by Arrow Global Group PLC, a publicly listed global debt collection business which has Zach Lewy, the founder of the company, as its current chairman and CEO.

Are Arrow Global Limited financially regulated?

Arrow Global Limited is regulated by the Financial Conduct Authority. Its registration number is 718754 and its nominated contact is recorded as Suzanne Pearson.

Do HMRC use Arrow Global Limited?

Arrow Global Limited and the various companies in Arrow Global Group PLC do not collect debts on behalf of HMRC.

Does Arrow Global Limited buy debt?

Arrow Global Limited buys debts from other businesses and organisations. It buys these debts at a discount hoping that when it collects the full amount owed, it can make a profit.

What happens if you ignore debt collectors?

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.

Can Arrow Global Limited take you to court?

Arrow Global Limited can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.

Can you go to jail for debt collections?

You cannot go to jail for debts owed to debt collection agencies.

What happens if I ignore a CCJ?

If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.

Can Arrow Global Limited issue a warrant?

Arrow Global Limited cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.

Are Arrow Global Limited bailiffs?

Arrow Global Limited are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Can Arrow Global Limited come to your house?

Arrow Global Limited have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Can Arrow Global Limited force entry?

Arrow Global Limited cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Will Arrow Global Limited give up?

Arrow Global Limited won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.

Can a debt be too old to collect?

A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.

How long can you legally be chased for debt?

As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

Are debts ever written off?

Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.

How do I contact Arrow Global Limited?

Arrow Global Limited trades under a variety of names, and how you contact them will depend on which part of the company you are dealing with. You should refer to the correspondence that you have received from them to find their contact details.

How do I pay Arrow Global Limited?

Arrow Global Limited trades under a variety of names. They accept a variety of payments, but you should check the correspondence that you have received from them to make sure you are paying the right company.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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