I have been told i have a debt with these people I am registered desabled with physical health problems im also autistic and suffer from anxiety. I set up a payment plan with them and have been paying it. Last night I forgot to transfer the money to the account so it could be taken today. The payment was due today they tried to take the payment in the early hours of this morning, I realised it hadn't gone out at 7:30 this morning so made a payment straight away so that I didn't miss the payment. Then I got a text message from said company who said I missed a payment at 9:51 this morning so I rang and spoke to somebody to which I was told you missed a payment therefore your payment plan has been cancelled and you will have to set up another one. My issue is how can I have missed a payment if the payment was due today and was paid today how can I have missed a payment? If didn't pay until tomorrow then I can understand them saying you have a late payment. I have 4 debts that I'm paying off at the moment which i got due to my health failing not because I just didn't want to pay my bills. The person I spoke to on the phone I found abrupt and off hand when I was trying to ask questions her attitude was like she was better than me these people need to realise that there health could break at any time and they could then be in debt and they could then be treated the same way. Just because we are not working due to becoming poorly dose not mean we should be treated like we are rubbish which is how I felt after the phone call with them. I haven't even had the debt validated to me in writing and they say I should of had court papers for the ccj which I haven't. Yes I buried my head in the sand over the debts but that doesn't make me a bad person. The fact I didn't receive court papers must mean the ccj is not legal? I am not sure if that is the case but I have been told that I can not get it set aside because I knew about the debt. My contract for the debt was not with these people it was with another company I only started paying this company money because I didn't bailiffs coming to myhouse.
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Each year millions of people fall behind on their bills for many reasons - things don’t go as planned, and then debt happens.
When a person is unable to pay back a loan, credit card or another account, their creditor may sell that debt to a company like ours.
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PRA Group in the UK has over 20 years of experience and has helped more than 1 million customers resolve their debts
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