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Arrow Global Are Chasing Me For Debt Repayments – How Can I Stop Them?

Arrow Global are a leading European provider of credit management services and one the UK’s largest and fastest growing provider of debt purchase and credit management solutions.

Arrow Global, established in 2005, has 35 million customers across 6 countries.

Arrow Global deals with both consumer and commercial debt and works with retail banks, credit cards companies and telecommunications companies, among others. Arrow Global is a loans specialist.


Arrow Global Limited are authorised and regulated by the Financial Conduct Authority (FCA) and are members of the Credit Services Association (CSA). Arrow Global subscribe to Standards of Lending Practice.


Why Are Arrow Global Contacting Me?

If you have been contacted by Arrow Global, it is because they have purchased your debt from your previous credit provider and believe you owe money.

You may be wondering why you have never heard of Arrow Global before, but it should say on your Notice of Assignment who your original debt was with.

If Arrow Global have purchased your debt, you now owe the balance on your account to Arrow Global rather than your previous credit provider.


How Can I Stop Letter & Phone Calls From Arrow Global?

You will not be able to stop all contact, but there are several ways to reduce it and prevent nuisance calls. Don’t ignore letters – they might contain important information and deadlines which, if missed, could cause you further debt problems.

The first thing to do if you are contacted by Arrow Global is establish the original debt that this relates to. It should say on your Notice of Assignment.

Communicate only in writing – This ensures that all correspondence is recorded and can be used in legal proceedings if necessary. It also prevents a ‘he said, she said’ scenario.

Request extra time to pay – If you explain to the debt collection company that you are struggling to make repayments, they will likely give you some extra time.

They know they can only push you so far and they certainly don’t want you to file for bankruptcy as they won’t get anything back then.

Seek advice – don’t struggle with your debts alone. There are debt specialists like Scottishtrustdeed.co.uk who can advise you on the best way to manage your debt.


What Happens If I Don’t Pay?

If Arrow Global have contacted you, don’t panic and don’t ignore the problem – it is always better to talk to the debt collection agency, even if you can’t afford to pay.

If you fail to respond, you put yourself at risk of legal action being taken against you and escalating costs putting you further in debt.

Choosing to ignore your debts is also likely to cause further damage to your credit file.

You should contact Arrow Global to discuss your circumstances, even if you don’t think you can pay. It may be helpful at this stage to seek advice on your debts from a debt specialist like Scottishtrustdeed.co.uk.

Make sure you don’t enter into an agreement with Arrow without first making sure you can reasonably afford the repayments.


Will I Have To Pay Interest Or Fees On The Money I Owe?

If your credit account has been defaulted before it was purchased by Arrow Global, they will not normally charge interest or fees on your account from the date that Arrow Global acquired it, unless required to by court or other contractual obligations.

I Can’t Afford To Pay Arrow Global

If you can’t afford to pay, you need to discuss your financial situation with Arrow Global – explain your circumstances and why you feel unable to pay. It would help if you have a budget to show them.


Working Out A Budget

To make sure you’re not committing to repayments you can’t afford, you should make a budget.

A budget will help you (and the debt collection agency) see what you can reasonably afford, so you don’t leave yourself unable to meet the monthly repayments.

You want to avoid causing yourself further issues, while making sure you can still meet day-to-day living expenses. When working out a budget you need to think about your income versus your expenditure.

Income:  Wages, benefits, pension, tax credits

Expenditure: Rent/mortgage, utilities, insurances, groceries, existing debt repayments etc.

You must also give consideration to inflation and the rising cost of living. You are likely to be paying off your debts for a number of months or years so what is only just affordable now, could be crippling in a couple of years’ time.

How Can scottishtrustdeed.co.uk Help Me?

Scottishtrustdeed.co.uk are one of the leading debt advice companies and can help with a variety of solutions. If you have £1,000 worth of debt or £100,000, we can help you find a solution to get it paid off.

We can negotiate with your creditors on your behalf and look to get interest and charges frozen which will allow you more time to repay the debt.

If you have a lump sum of cash, then a good option would be a full and final settlement for a reduced amount. In some cases, we’ve negotiated debts down to 50% of their total value.

If you have a large sum of debt then we can look to get a portion of it legally written off using the legislated trust deed scheme, for which we specialise in.

Contact Us here for more information or use our debt calculator to see if you qualify for this solution.


What Can Arrow Global Do If I Don’t Pay?

Arrow Global must follow strict rules laid down by the Financial Conduct Authority and Credit Services Association.

Debt collection agencies have no additional legal powers to the original creditor the debt was with and are different to bailiffs. There are a number of things Arrow Global can’t do, such as:

  • Can’t make threatening and excessive calls
  • Can’t state they have powers which they don’t have
  • Can’t take things out of your property
  • Can’t talk to anyone else about your debts, only you
  • Can’t overcharge you with fees

They can do the following:

  • Keep contacting you requesting payment
  • Send people to your doorstep to try and collect debts
  • Add reasonable interest and charges
  • Issue default notices
  • Apply for a County Court Judgement (CCJ)


What if Arrow Global Send Agents To My Home?

If debt collection agents turn up on your doorstep, it’s always advisable to ask for ID and make a note of the agent’s name. You don’t have to answer the door and you don’t have to let anyone in.

Debt collection agents, unlike bailiffs, CANNOT enter your home uninvited AND, if you do invite them in, they MUST leave if you ask them to. They’re NOT allowed to remove your possessions from the house.

You can tell the agents at your door that you wish to deal with the debt in writing. Debt collection agencies have to comply with reasonable contact demands you make.

If you do decide to invite Arrow Global agents in, explain your circumstances and never agree to pay more than you can afford. Show them your budget (if you have one) or ask for time to make one/ seek advice on your debts.

If you are going to make a payment, do this directly to Arrow Global over the phone. Avoiding paying the agents gives them less incentive to visit again.

Finally, if you do pay the agent at your home, make sure you get a receipt.


Making A Complaint

Arrow Global are committed to ‘Treating Customers Fairly’, but sometimes debt collection agencies fall short of required standards. If you feel you have been treated poorly, you can make a complaint.

You should always attempt to resolve your complaint directly with Arrow Global first.

You should put your complaint in writing so you have a record of what’s been said.

You can write to Arrow Global at:

Arrow Global Ltd

Complaints Department

1st Floor

Templer, 25 Templer Avenue



GU14 6FE


Email: [email protected]

Phone: 0333 003 0303


If Arrow Global are unable to resolve your complaint, after 8 weeks you can refer the matter to the Financial Ombudsman Service (for credit cards, store cards, loans and insurance accounts) or the Credit Services Association (for utilities, telecommunications or government body accounts).


The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

[email protected]


Credit Services Association, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle upon Tyne, NE13 9BA

[email protected]



Can I get my debts written off?

You may be able to get your some of all of your debts written off. It’s best to seek advice from a debt specialist to find out your options.


Can Arrow Global take my stuff?

No. Debt collection agents do not have the same powers as bailiffs and can’t remove your possessions from your home.


How can I check my credit rating?

You can view your credit file by checking it with a credit reference agency (CRA) either for free or for a small charge.


If I pay my debt, will my credit rating be cleared?

If you have defaulted on your account, this will stay on your credit record for six years from the default date, even if you go on to settle the account in full.

Services Offered By Arrow Global: Consumer Debt Collection, Debt Purchase, Consumer Regulated Debt, Consumer Non-regulated Debt

Company Details
  • Registration Number: 05606545
  • Incorporation Date: 2005-10-28
  • Status: Active
Rating and Overview
  • Compassion Rating: 82%
  • Associations: Credit Services Association
Contact Arrow Global
  • Contact: Suzanne Pearson
  • via Post: Belvedere, 12 Booth Street, Manchester, United Kingdom, M2 4AW
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