Thank you very much for an advice. I have contacted today PRA and I was assured that this is an error in their system. As a confirmation I've send them an email with official letter requesting change of my account status on my CRA and with letter from MH that account has been settled. I was informed by PRA employee that if I will receive any phone calls from PRA I should simply ignore it. I was assured that my CRA should change in the next 2 weeks. @dx I either paid off the full amount or agreed amount which was offered to me by MH. I can't recall it now and I will have to get a bank statements from my previous bank to get all the details. Obviously I will inform about any outcome. If there is anything else I should do to make sure this has been resolved please let me know. If I will not receive any response via email I will send letter and a copy of account statement from MH via post. @BRIGADIER - I am ok with default status of my account as long as balance will change. I have 2 defaults from 2011 and this should disapear from my CRA in 2017. If this will not get corrected I will struggle until 2020. Regards

It's 26/04/2011 as per screenshot in attachment. Either MH did not update my account or after being taken over by PRA something went wrong and this is showing a balance now. Thanks

But balance is still showing as £296 that apparently I owe them. I found a letter on experian website, should I send it to them ? To: Portfolio Recovery Associates Re: Account number M2300XXXXX Dear Portfolio Recovery Associates I have viewed my Experian credit report and would like to let you know that my account started on 21/12/2010 should show the correct balance of £0 The account is recorded in the name of XXXXXXXXXXX at the address of XXXXXXXXXXXXXXXXXXXXXX I am also including a copy of the letter that I received from Mackenzie Hall on 30/11/2011 with information that account has been settled. Please can you investigate my comments and let me know the outcome. Yours faithfully

Hello, Today I checked my credit report with noddle (it's free) and I noticed I have one default account which has been registered with PRA. Concerned I checked Experian and there is same information. Both of them are relating to my old debt with QQ which has been taken over by Mackenzie Hall. I settled this debt in 2011 and I've requested a confirmation letter from MH, which I still have a copy of. I was working really hard over last 3 years to build my credit score once again. Could you please help me what should I do and how should I deal with PRA. Dates and ammount on the letter and credit report are exactly same. Also I am 100% sure I've settled all my debts from the past. Thank you