Barclaycard-have they sold my debt without a default being put on account?

[ambercatz]

Sorry, I originally posted this in the wrong thread-newbie error!

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

[nemesis45]

Re: Barclaycard-have they sold my debt without a default being put on account?

Sorry, I originally posted this in the wrong thread-newbie error!

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

Hello Ambercatz,.

Not the first instance of Barclays doing this I'm afraid sloppy admin or deliberate one cannot be sure.

The account should really have been defaulted when the DMP started as reduced payment i.e. less than the contractually required amount to a default
You will need to make a Formal Complaint to the Data Controller at Barclays, you will have to require Barclays to backdate the default to the start of the DMP.

You can inform Hoist that you are disputing the lack of a default with Barclays.

nem