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CCJ and PRA group help needed badly

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  • #1

    CCJ and PRA group help needed badly

    Hi there, I’m hoping you wise folk here can help.

    I had a credit card with MBNA and Barclaycard. One opened in 2017 and one in 2019.

    my mum died and I got in to a financial mess. Payments were missed and accounts in default 2020.

    accounts have ccj from 2021 but these went to an old address so I have no knowledge of them until just checking my credit file now.

    I am unable to pay these, one for £1600 and one for £2700.

    what are my options? Is it too late to fight them?

    any advice appreciated
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