Thanks so much for your advice! much appreciated & I won't be answering the phone to them!

Sorry struggled to find this info as always had statements online which I now cannot access as they have closed the account,

looked at credit file

I took the card out in 2014

I defaulted in June 2015 showing as early arrears on my account 2016,

which then showed as sustained arrears,

then changed to payment arrangement in Nov 2015 which i have been paying ever since,

don't think i had PPI on the account ,

I'm just worried incase this new company wants me to make higher payments,

there is now less than £2000 outstanding and i already pay £237 a month

I was out of work 4 years ago and agreed a 5 year payment plan with MBNA for a credit card debt (14,000),

they stopped the interest ,

I have been paying this for 4 years +3months never defaulted ,

I have now received a letter saying they have now sold my debt (1900.00) to The PRA Group …

.yesterday I received 3 calls from them which i have not responded to....what happens now?

the letter from MBNA says I don't need to do anything and PRA group will carry on the agreement so why are they calling me?

any advice appreciated!