PRA have been sending letters for a while asking to repay this debt.
I don't deny the debt, i want through some financial difficulty and couldn't afford to pay.
At one point they offered 30% off.
But now I have this letter and the threat of court action seems very real.
What can I do now?
Ideally i would borrow the money from a relative and pay the 30% off number they came to me with.
If i go to them with this I think they will say