What is this?

The direct address for the jpeg image is
https://image.ibb.co/fWt6vJ/B821_A61_A_EAAD_47_B2_9_CC1_32448_CAC8_E2_E.jpg

Arrow Global supposedly purchase debt and contact customers in in order to help clear it off. However, much of their activity sounds rather suspect, ie

https://www.google.com/search?ei=ojYpW-39LYiQkwWA0LyYDg&q=arrow+global+uk&oq=arrow+global+uk&gs_l=psy-ab.3..0j0i22i30k1l6.2045.2378.0.2664.3.3.0.0.0.0.175.336.0j2.2.0....0...1c..64.psy-ab..1.2.335...0i67k1.0.CY77ceDw4GM#lrd=0x48761b49f4848627:0xb257c2d0bb22d6d9,1,,,

and

https://forums.moneysavingexpert.com/showthread.php?p=70371347
https://uk.trustpilot.com/review/www.arrowglobal.net


If you have had no financial issues and have never received notification in any other way eg from bank or credit card company etc then I would ignore these letters. As with the initial link, many claim they have been contacted by Arrow asking for money, but have never been in debt. If you are worried, you could contact Arrow Global for further details, but definitely get them to send you evidence of everything they state, and contact your bank, credit card company or whoever they say the debt was supposedly owed to, to investigate their claims and find out what is truth, and whether they have been instructed to handle any financial issues.

ps If you need to deal with them again then do so by letter - and give them notice that they can only contact you and give you all information by letter also, so you then have a record of everything they state (should you ever require it in future). I would not answer any phone calls myself.

They are saying they will seek to provide your 'Insolvency practitioner' (your accountant if you have one) with a copy of that letter, and that any money that owed (eg to your credit card company) will now be moved over to Arrow. So if there is money owed you may now be paying Arrow from now on instead of the credit card company. After 12 months, most kinds of debt are automatically cleared and you should no longer owe any money ('discharged from bankruptcy').

see https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/

Due to this companies questionable history however, I would still contact the credit card company to verify that Arrow have been handed any debt.
If so, then always keep a close eye on what is owed and what you have paid to make sure everything is correct, keep all statements, and only pay back what you can truly afford.