I have received a Court Claim form from PRA Group for a debt from Halifax for an overdraft back in 2016 when I became unemployed due to medical mental illness.
I was aware of the debt but I ignored any communication from PRA.
They sent me statements via mail & I was constantly receiving emails that if I paid £930 they could close the account.
To be honest I was tempted to pay this as it was a substantial deduction compared to the actual amount of £2690.
But after quickly reading info online from various credit forums if they were offering a