Hi there just read that you are having issues with PRA. I had an debt with them and they where constantly phoning and sending letters and when I asked for information they could not find it. I would advise that you seek help from a charity that helped me out dealing with PRA. The charity dealt with all communications and started making payments of £5 a month for 6 months and I did not need to pay anything. After the 6 months I was put on a payment plan that was more affordable to me. I would recommend that you contact them to see if they can help you out. I could not believe that there is a charity that actually does more than give advice. The website: Cathyhenrydebtrelief.co.uk Good Luck hope they can help.