The above credit card which was linked to the travel site Hotelopia has now ceased and I have

recieved a letter from them that my debt is being transferred to "Transcom".who have taken this debt

on board.I have conrtacted them and they are basically a debt collection agency.

I have a debit balance of 386.00 on this account,I have never ever missed payments or had excess charges applied

and iI am cocerned that

my APR transfers to this company,is this correct procedure?

and that i may consider a credit risk,even though the company has ceased trading in the U.K.

Can you assist?