Thank you all for your responses to my post.
I co-own a property with my sister in Portugal but own nothing in the UK.
One of the contributors has said that as it is a civil debt there is nothing a debt collection agency can do
but another person said they can collect a debt in Portugal???
Oleg said be cautious of PRA,
what is PRA.
I would be grateful for any further suggestions as I am worried that this could all prove to be very expensive
and I do not want to involve my family.