Barclays / PRA group advice

nmw84

Apologies for the long thread, I was hoping if anyone could give me any advice or been a similar situation

I had a overdraft with Barclays, when I got the overdraft I was in a bad place financially. The account was not my main account and all that got paid in was CSA payments and Child Benefit which was maximum of £350 per month, the overdraft I was given was £500 - this was around 8 years ago. Some time after taking out the overdraft the CSA payments stopped completely and my child Benefit payment had started being paid into my main account so every month I paid off the interest to keep within the overdraft. Then the interest changed and the amount I needed to pay every month to keep within the overdraft went up and I got into a position where it got out of hand and I couldn't afford to pay. Eventually Barclays closed the account and it was classed as defaulted, this was in 2016. At the time I disputed this and asked for help as I felt it was irresponsible to allow the amount they did based on the incoming payments and then the reason it went in to default was because of the increased interest amount but they did not do anything to help. 
Around 2 years ago I received a letter from Barclays, I can't remember exactly what it said but  it was basically saying the interest had been cleared and I am almost certain that it was as a result of an enquiry into how they had applied interest. This meant my account showed -£499.90 so within the overdraft amount however as the account was closed it still showed as a default. 
I am currently in the process of buying a house and have been given a DIP taking into account the default. Yesterday I received a notification from clear score saying that Barclays had updated my account status to closed and my score would improve on the next update so I thought fantastic. Today I received a letter from Barclays and the PRA Group, they have sold my account to PRA Group. So, does anyone know if the PRA Group will end up showing on my credit report? Also does anyone know if I am liable to pay them anything, it has on the letter agreement date 18 June 1997 which is when I opened my account and not the date I took out the overdraft. 
So sorry for long explanation and thank you if you read this far 😊 
 

[Deleted User]

Your credit report may be updated with the new owner, but it doesn't change the status of the debt.

sourcrates

PRA group have now bought your debt.
You should make arrangements to pay them an affordable amount each month.
Ignore what clear score tell you, it’s likely PRA will report to your credit file, yes.
How and why the debt was accrued is not really the issue now, things change out of your control, but you are still liable for the debt.