https://all-about-debt.co.uk/ en Mon, 18 May 2026 03:28:32 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/forum-announcements-site-feedback/1552420-cenforce-100-a-trusted-sildenafil-solution-for-erectile-dysfunction Mon, 12 Jan 2026 11:56:16 GMT Cenforce 100 (https://www.powpills.com/product/cenforce-100-mg/) is one of the most commonly used oral medications for the treatment of erectile dysfunction (ED) in men. It works by improving blood flow to the penile area. It can significantly improve sexual confidence and overall quality of life.... Cenforce 100 is one of the most commonly used oral medications for the treatment of erectile dysfunction (ED) in men. It works by improving blood flow to the penile area. It can significantly improve sexual confidence and overall quality of life.

Which is the same active ingredient found in Viagra, which helps men achieve and maintain a strong erection during sexual activity. It offers reliable performance, fast onset of action (30-60 minutes), and long-lasting effects of up to 4-6 hours.

? Learn more about Cenforce 100, its dosage, benefits, and safety information here:

Cenforce - The Complete Guide
]]> mollywilson https://all-about-debt.co.uk/forum/forum-information/forum-announcements-site-feedback/1552420-cenforce-100-a-trusted-sildenafil-solution-for-erectile-dysfunction 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