Hi,   A relative has asked for help regarding a credit card debt - original lender HBOS for £5k - dating back to 2012. Last payment made was Nov 2012 and the debt has since been sold to Arrow Global Ltd last year, 2017.   A letter arrived today from Shoosmiths (who I can see from other threads are the in- house solicitor for Arrow). I have attached a copy of that letter to this thread.   I am trying to offer advice to my relative but I am not sure whether this letter is a legi