Debt collection letter from Capquest/Opos/Arrow Global

dawn-c

I have seen a few posts related to these companies, my husband received a letter from Capquest/Opos/Arrow Global chasing payment of an overdraft account on a Lloyds TSB account, he doesn't recall having an overdraft account but did have an account with them over 25 years ago.

The total supposed debt is £101.81 with an offer to pay £25.45 to clear it.

My thought is that even though it is a small amount to clear it, I don't think he should pay, my husband thinks that we should just pay to get rid of it.

I have drafted a prove it letter from the template given on this forum, should I send that or should we just pay it, I could end up spending more in postage but it's the principle.

Rob5342

If it's addressed to him then any action is down to him to take. There's no way I would pay it without them proving it was mine, no matter how small it was. They are trying their luck in the hope of finding some mug who will just pay, don't be that mug. 

sourcrates

Send the prove-it letter.

A whole batch of old statute barred debt has apparently re-surfaced with the new owners attempting to extort the balances from unsuspecting debtors.

This is contrary to FCA guidelines and really shouldn`t happen, you might want to consider also sending a formal complaint to Arrow Global concerning the regurgitation of statute barred accounts in direct contradiction of CONC guidelines.

dawn-c

Thank you both for your replies, we will send the prove it letter and go from there, thank you for the advice.