Today I received an email from PRA Group
Please note this offer will expire on 15/04/2018
In 2010 I had a breakdown after being bullied at work, and was placed on unpaid sick leave. I managed to make the monthly payments but was made redundant five months later. I got married two weeks later.
I was a non EU national and our spousal visa was declined so moved abroad to Spain.
I contacted the CC provider as I had PPI, but was told that I wouldn't be eligible to claim as I wasn't registered with a UK employment agency seeking work. I disputed my PPI asking for a refund as I wasn't able to seek work in the UK due to my visa situation, but this dispute was rejected.
I asked for my account to be closed and asked for a payment arrangement
. They closed it but wouldn't come to an arrangement.
I kept making adhoc payments, with the last being in November 2014, but had another breakdown and ceased payments.
We are still living in Spain.
Before I left the UK I changed my drivers licence to my new married name but it has now expired. I did update my bank account to my new address but didn't change my bank account name.
I've since moved to a different part of Spain but haven't updated my bank account address. I've exclusively used my married name here in Spain.
The debt was around £2,000 but penalties will have been added since 2010.
I'm resentful of paying the debt as I feel I got screwed by PPI and we are now settled in Spain so won't be moving back to the UK.
Are they likely to track me to Spain? Should I close my UK bank account to avoid it being linked?