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Help high risk security app?

SAFC11

Newbie
normal anti virus is fine but now it has found 2 high risks called PUA!flexion.a@android in Monpoly here and now and also The sims 3. but they are defualt apps and i cant delete them, any advice- says this app is able to achieve payment via sms messages and wasnt there last week
 
Factory reset didnt work
 

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EVERYTHING WAS OK UNTIL 2 hours ago when i got the message about threats, thing is I have 3 games preloaded but only 2 came up?
no other a/v has picked it up but 50p been added to bill already?
 
I upgraded the latest firmware & it let me uninstall both apps that I couldnt before, any idea why that would be allowed?
 
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