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Arrow Global Debt – Should You Really Have To Pay?

Arrow Global Debt

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


Arrow Global buy and chase debts from other businesses – and they may have purchased yours too.

If you received an Arrow Global debt letter, this guide is for you!

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 amazing tomorrow.

Don’t worry, here’s what to do!

You could get rid of Arrow Debt Collectors by writing off some of your debt.

There’s several debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.

Fill out the 5 step form to get started.

Arrow Debt Collectors

Who is Arrow Debt Collection?

Arrow Global is a European credit management company that deals with loans, specialist assets and debt purchasing. It is a registered business with the number 05606545. Its registered office is based in Manchester but they have offices across Europe, Ireland, Portugal, Netherlands, Belgium and Italy. 

Arrow Global purchases debts from several different companies, including retail banking stores, credit card lenders, and telecommunication companies. They describe themselves as “a leading European investor and asset manager in the non-performing and non-core assets sector” You might be contacted by Capquest Debt Recovery Limited or a company owned by Arrow with a different name to pay off debt if you owe money. Carquest is part of the Arrow Group and works to recover debts in the UK.

Once they have bought these debts – for under their face value – they then chase the debtors to get them to pay, therefore, making them a profit. Capquest Debt Recovery Limited and Arrow Global state that they are dedicated to working with people who owe them money, devising repayment plans that are going to work for them both.

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Why are Arrow Global Ltd on my credit report?

The reason Arrow Global is calling you is because they bought your debt from your old credit provider and think you owe them money. The reason you haven’t heard of Arrow Global before may be puzzling, but your Notice of Assignment should specify who originally held your debt.

Who Are Capquest Debt Recovery Limited?

Capquest Debt Recovery Limited is an authorised and regulated business that claims to help people get out of debt with a debt solution. However, Capquest is related to Arrow Global so you are really just agreeing to a payment plan to clear the debt with Arrow via one of their other businesses. The Arrow Global Group purchase the debt as a DCA and then Capquest arrange a way for customers to pay.

Learn how to fight back!

Is Arrow Debt Collectors Legitimate?

Yes – Arrow Debt Collectors are legitimate and have authority for certain credit-related regulated activities. Arrow Limited AGL is authorised to purchase debt and then chase the debtors for payment within the debt industry laws. They are authorised and regulated by the Financial Conduct Authority for certain debt industry activities and are part of the UK’s largest debt scene through other businesses like Capquest.

What Can Arrow Debt Collection Do?

Arrow Debt Collection can chase you for payment with calls, and letters and they might send an email or two. As they are authorised and regulated by the Financial Conduct Authority and adhere to the Financial Services Register, any communication must be polite and not deceitful, or they could face fines. If you do not pay, the only option for them is to take you to court.

If they prove to a judge that you owe them money, the judge can request you pay with a court order. Arrow employees cannot come to your home and repossess items.

Feeling like Chandler?

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Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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How should I reply to Arrow Global Debt Letters?

You are probably reading our guide because Arrow Global Limited has sent you a letter asking you to pay in full, arrange a repayment plan with Capquest or threaten you with court action. 

The onus is not on you to pay until they supply proof that you owe the debt. So first, it’s time to request this proof with a letter.

You can download our free letter template to request debt proof. You do not need to send the letter if the debt is at least six years old and you have not paid in those years. Instead, get a debt charity to confirm your debt is too old to be repaid and send a statute-barred letter instead – problem solved for good!

UK Personal Debt 2021 Update:
As of April 2021, the total unsecured debt per Adult in the UK was £3,674.

(Source: The Money Charity)

What Should I do If Arrow Global Have Proven My Debt?

You might have almost gotten away with it, but if Arrow Global provides proof of your debt, you will need to pay off the outstanding amount on your account.

With proof, they will be successful in court and you will be made to pay. So tackle it early to avoid any more fees and debt interest. You could agree to a repayment plan, or you might be able to get a better solution with these get-out-of-debt methods.

Fill out the 5 step form to get started.

Use This Free Debt Advice!

If you need help complaining about Arrow Global or for help deciding the best way out of debt, you can contact UK debt charities.

Here are some helpful links:

Writing off the debt

How Can I Contact Arrow Global?

Company Name: Arrow Group 

Tel: +44 (0)800 130 0169

Other Known Company Name: Arrow Global, Arrow Debt Collection, Capquest, AGL, Arrow Global Limited AGL, Arrow Global Group AGL

Company number/registration number: Registered in England and Wales with company number  05606545

Capquest business number: Registered in England and Wales with company number 05245825

Financial Services Register Registration Number: They are on the Financial Services Register under registration number 718754

Email address: Contact form only 

Address: Their office is at Belvedere, 12 Booth Street, Manchester M2 4AW 

Arrow Global Debt FAQs

Who owns Arrow Global?
Arrow Global Limited is registered as a business but ultimately owned by Arrow Global Group PLC, a publicly listed global debt collection business which has Zach Lewy as its current chairman and CEO.
Who do Arrow Global collect for?
Arrow Global collects both consumer and commercial debt. They work with credit card companies, loans providers and high street banks among other companies.
Are Arrow Global regulated by the Financial Conduct Authority for certain activities?
Arrow Global Limited is registered on the Financial Conduct Authority website. Its company number is 718754 and its nominated contact is Suzanne Pearson. The Arrow Group AGL is registered in England and Wales and is legally allowed to conduct credit related regulated activities as long as they stay within the law.
Do Arrow Global take you to court?
Yes and no. Arrow Global themselves cannot take you to court. However, upon failing to collect payment, the original creditor can take you to court to recover the debt.
Do Arrow Global buy debts?
Yes. Arrow Global do purchase debts and on their website they claim to be a “leading purchaser and manager of debt”. This means they purchase your debt from creditors.
Should I Answer Arrow Global Phone Calls?
You do not have to answer the phone and you can request all communications to be through writing.
How do customers contact Arrow Global?
You should refer to email or letter that you have received from them to find their contact details.
Should I write to 12 Booth Street, Manchester M2 4AW?
If in doubt about who to contact, you should write to Belvedere, 12 Booth Street, Manchester M2 4AW. Arrow Global Limited and Capquest’s registered office is at Belvedere.
How do I pay my Arrow Global balance?
They accept a variety of payments, but you should check the correspondence that you have received from them to make sure you pay 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

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring