https://all-about-debt.co.uk/ This is the place to start your adventure - feel free to pop in and say hello and see for yourself how friendly we are! en Sat, 04 Apr 2026 00:53:54 GMT vBulletin 60 images/misc/rss.png https://all-about-debt.co.uk/ https://all-about-debt.co.uk/forum/forum-information/welcome-to-the-aad-consumer-forum/1552439-debt-passed-to-third-party Tue, 03 Feb 2026 17:53:03 GMT Hi i have some debts that have been passed to third parties eg Cabot, Lowell, PRA. Some have been passed on more than once. Ive been paying for quite a number of years so most outstanding balances are 40%/50% paid. Whats the best way forward with these ? As ive accepted the debt ( although the...
i have some debts that have been passed to third parties eg Cabot, Lowell, PRA. Some have been passed on more than once. Ive been paying for quite a number of years so most outstanding balances are 40%/50% paid. Whats the best way forward with these ? As ive accepted the debt ( although the majority is my ex's ) & been paying should i continue or think about making settlement offers. I did ask for advice on here years ago but i didnt dare stop payments.

Please find some info below

original lender	Start date	date transferred	transferred to	transferred to	transferred to	currently paying	outstanding as at jan 2026	Monthly £
Barclaycard		2012 ? 2016 ? 18/10/21	CSL	Arvato	PRA	PRA	£4,011.18	£16.73
Capital One		07/10/2021	Lowell			Capital One	£4,654.45	£15.51
VERY		25/01/2011	Arrow poplar designated activity	Capquest		Capquest	£423.65	£1.81
Egg		30/10/2009 06/11/09	Apex	Cabot		Apex	£1,199.28	£5.09
Halifax	10/03/2008	18/11/2013	Blair Oliver Scott			Halifax	£781.34	£3.33
Mint		03/07/2017	westcot	Cabot		Mint	£772.26	£3.30
Yorkshire Bank - Credit Card		pre 2012	Marlin			Cabot	£4,118.33	£17.47
Yorkshire Bank - Current Account		pre 2012	Marlin			Cabot	£390.80	£1.65
Yorkshire Bank - Loan	16/01/2008	pre 2012	Marlin			Cabot	£2,012.56	£8.58
							£18,363.85	£73.47

Any help re the best way forward would be much appreciated.


Regards]]> Welcome to the AAD Consumer Forum Nichola1976 https://all-about-debt.co.uk/forum/forum-information/welcome-to-the-aad-consumer-forum/1552439-debt-passed-to-third-party https://all-about-debt.co.uk/forum/forum-information/welcome-to-the-aad-consumer-forum/1552364-pra-barclaycard-cc-debt Wed, 01 Oct 2025 15:03:00 GMT Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards...
I have had a read through a lot of the topics and it’s a great resource and full of great advice.

I’m hoping for a bit of advice with my situation.

I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all but one of the debts. That being the following:

- PRA (Barclaycard CC)
- Account originally opened December, 2011
- Original balance was £15000
- Current balance with PRA is £9860
- Default due to drop off December, 2025

To cut a long story short, I submitted a CCA request last year and as of January this year, PRA could not locate the correct or proper documentation and had deemed the debt unenforceable. Good news!

I had stopped making payments when the CCA request had been submitted. I have not paid anything since.

On Monday, I noticed that an email had come through with a typed, printed version of a statement attached to it. This was labelled a ‘Copy Statement’ from June 2018. Surely this is not an enforceable document? Any advice would be greatly appreciated.

Unsurprisingly, the PRA calls have since started in earnest. I did answer one by accident and simply asked to keep all correspondence in writing by email.

Thanks in advance.]]> Welcome to the AAD Consumer Forum greg81 https://all-about-debt.co.uk/forum/forum-information/welcome-to-the-aad-consumer-forum/1552364-pra-barclaycard-cc-debt