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Hi, I am hoping someone can shed some light on this. We are on a DMP with Stepchange and recently lowered our payment a lot due to our income changing due to me recovering from breast cancer treatment. Recently we received a letter from PRA group for an account that was originally with Barclaycard threatening to put a default on our account.
I thought this was odd so checked our credit report and there is not a default on this account. It is also marked with a 4 which means 4 missed payments although they haven't been missed just lower than the original agreed.
I thought a creditor had to default to sell on the account so how can PRA now be the owner.
Is this legal? Are they part of Barclaycard?
Can anyone advise me please
Thank you
I thought this was odd so checked our credit report and there is not a default on this account. It is also marked with a 4 which means 4 missed payments although they haven't been missed just lower than the original agreed.
I thought a creditor had to default to sell on the account so how can PRA now be the owner.
Is this legal? Are they part of Barclaycard?
Can anyone advise me please
Thank you
