PRA - Scotland - Court docs received

allthesheep

hi everyone, I hope you can help.

I've just received "court docs" from PRA regarding a £4k sum from Barclaycard. I've put the "court docs" in inverted commas because the paperwork hasn't come from the court themselves - but PRA solicitors and I'm not sure about how that works! 

The dates they're giving are a bit fuzzy - but it looks like I took the creditcard out in 2017, BC say I defaulted in 2021 and then PRA bought it. I don't think I've made a payment since 2020, more than likely 2019.

Since that time, life has changed. I am now living on UC + LCWRA + PIP (I have MS) and I am a single parent in a council house - so not exactly awash with assets or cash. 

How should I approach dealing with this? 

ManyWays

What does the letter from PRAs solicitors say?
Is this your only problem debt? or are there others you have been ignoring? That isnt a criticism, its just that when one debt becomes difficult its best to look at the full situation.
Do you own a car or have one on finance? 

allthesheep

It's a Notice of Claim pack. 
I also have a problem debt with Lowells.
Yes, I own a car outright (approx £4k). 

RAS

How much is Lowell? have you checked your credit records to see what date the default is listed as? 

ManyWays

It sounds as though that is a Scottish court claim, see https://www.scotcourts.gov.uk/media/3ylix1bz/form-6a.pdf
I suggest you talk urgently to National Debtline https://nationaldebtline.org/, they have Scottish advisers.