Debt passed to third party

[Nichola1976]

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 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

[XX007]

Have you asked for a copy of the CCA agreement from each of the companies?

Ultimately if you continue to pay them the options are either continue or try to reach a settlement. Do they write to you with a settlement offer occasionally?

[stuckinarut]

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 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

Hi Nichola1976,
As XX007 suggests
Getting a copy of the CCA agreement is a must really, if you haven't done that already, Maybe they dont exist?