Today I have received a letter from Arrow Global Ltd of Booth St Manchester headed with the same title as this thread. The letter claims I owe money to them on behalf of Lloyds TSB. I had a Lloyds account but closed it over 5 years and in any case the account number they quote is nothing like the old account number. I should point out I have had no previous correspondence for either Lloyds or Arrow.   Can anybody advise me what the Property act has to do with this and further should I contact