Hello, I am hoping for some advice on the back of the above thread please. After some months of illness after a family bereavement, I finally stopped paying Step Change (I did this back in September) and took control of the debts myself. After reading some threads, I did a CCA request to PRA Group and Wescot. PRA Group hold two of the unsecured debts - Barclaycard credit card (defaulted in December 2019) and an MBNA card (defaulted in May 2020). I have received response from Wescot (they have the 2 x Natwest Loans and 1 x Natwest Overdraft, saying the account is on hold and they will be in touch with the documentation once they have it (this was requested in October). I have received a response however, from PRA Group after putting my account on hold for the past 2 months, but all they have sent me are historic terms and conditions and old bank statements from both Barclaycard and MBNA. They have now said I have until 14/12 to get back in touch to re-arrange a payment plan. Please could you advise what are my next steps? I have tried to read other threads but would really appreciate some guidance. Thanks

Hi, yes I understand this completely but I’ve read a few threads and I’m a bit confused as to what route I should go down. You suggested doing the CCA request and then said wait for notice of assignments and then on other threads I’ve seen suggestions to do £1pcm token payments. I would rather take control than wait for notice of assignments whilst they call me and my parents landline every day! (They have these details from when I applied for the loans apparently). I’m not in a position to pay £300+ a month anymore, especially with winter coming up and my rent going up it’s not feasible. Thanks

Last year I stopped paying stepchange for a couple of months as I lost my job and PRA group rang me straight away and was ringing me 3/4 times a week - so I’m sure they’ll do that again along with wescot. What do you advise when they do this?

Hi, Would you go ahead and contact PRA group still as I have reference numbers for them as they have corresponded with me before? Also, I’ve checked some correspondence and I have reference numbers for Wescot but definitely nothing from Intrum? thanks

Hi there, Barclaycard credit card (now with PRA group) was taken out in July 2016 and defaulted in Dec 2019. This debt currently stands at £3,500. MBNA credit card (now with PRA group) was taken out in May 2018 and defaulted in May 2020. This debt currently stands at £1,100. Apologies about my previous post, both NatWest loans are UN-SECURED and detailed below. 1 x unsecured loan (now with Intrum UK Finance Ltd) was taken out in February 2018 and defaulted and marked as settled in April 2021. This debt currently stands at £3,900. 1 x unsecured loan (now with Intrum UK Finance Ltd) was taken out in August 2017 and has not marked as defaulted on my credit file for some reason but has been marked as satisfied in April 2021. This debt currently stands at £2,600. In terms of the CCA to Intrum, I’ve never had any correspondence from them so I don’t have any reference numbers - is that a problem? I also would like to consider going down the route of being mis sold the two loans by NatWest - would you recommend that or not? Thanks

Hi, Wescot are clients for NatWest (I assume as that's what it says on my Step Change portal and the figures match up) - 2 x secured loans dating back to August 2017, February 2018, then also the over-draft I had with them as I was banking with them at the time. These debts were all marked as 'satisfied' in April 2021 & June 2021 according to Experian. It looks like these debts have been taken over by 'Intrum UK Finance Ltd' as they are listed on my credit report and are updating it monthly - these also marked defaults back in 2020 - no idea who they are? Are they Wescot? NatWest? I will send a CCA request to PRA today. Thanks.

Hi all, I’m after some advice - back in Jan 2020, I entered into a DMP with stepchange and have been paying monthly ever since. The monthly payments have changed throughout the years depending on what I could afford etc, but I have paid nearly 13k towards my debts. I’ve come across this site and now I’m wondering whether I even need to keep paying, I’ve listed the outstanding remaining amounts below:- Wescot (NatWest unsecured loan): £4,300 Wescot (NatWest unsecured loan): £2,900 Wescot (NatWest Over-draft): £1,500 PRA group (MBNA credit card): £1,200 PRA group (barclaycard credit card): £3,500 Please could you kindly give your advice on whether I should continue paying with stepchange or what other options I have? Thanks