Home » Debt Collection Agencies » PRA Group UK – Debt Collection Agency

Who are PRA Group Limited Debt Collections?

PRA Group Limited are a debt collection company based in Kilmarnock Scotland, the company is a UK based subsidiary of the US PRA Group Inc, a global debt buyer originally based in Norfolk, Virginia. PRA Group (UK) was incorporated in 2001 and now operates across the UK, acting as one of the largest debt buyers and debt collection companies in the country. The company collects defaulted or ‘bad’ debts, for a large variety of UK creditors and financial companies.

PRA Group Contact information:

Mailing address:
PRA Group (UK) Limited
Halo Enterprise & Innovation Centre,
Hill Street,


Contact number:
Call – 0808 196 5550
Text – 07860 094994

Why are PRA Group contacting me?

PRA Group are a debt collection agency that handle a large amount of UK debts. They operate across the country and work with a large number of clients. Companies like PRA Group buy up ‘bad’ or defaulted debts that companies are either not able to recover or have passed over. They will buy up the debts at a heavy discount (usually at 10% of the original amount) and chase up the debtor in search of payment for the debt, usually while applying interest and late fees to the original amount.

Contact from PRA Group likely means that your previous creditor has defaulted your account and passed your debt over to PRA for collection.

Is contact from PRA Group serious?

Yes, receiving a letter or call from PRA Group should be taken seriously. PRA Group are a legitimate debt collection agency registered and regulated by the Financial Conduct Authority (FCA) This means they work within legally compliant and strict regulations and are officially authorised to pursue your unpaid debts through letters, calls, and other means to recover payments.

After contacting you, PRA Group will continue to seek payment from you through various escalating methods, even, potentially, moving up to legal action if you fail to respond to their requests. 

PRA Group put emphasis on their approachability and consumer friendly method of debt collection, promoting a debt recovery service that is fair and accommodates debtors who are either struggling to pay or dealing with personal issues.
While there are some mixed reviews on this front, the company holds a 4.3 rating on Trust Pilot and a 4.4 on google, higher than is typically average for a debt recovery agency given the nature of the organisation.

Can a debt management plan stop PRA Group contact?

If you are able to repay the amount you owe to PRA Group you should do so, failing to repay your debts will lead to further interest and charges, meaning you could end up repaying far more than you originally owed, and could negatively impact your credit score in the long run.

However, if you are unable to repay the amount you owe, there are options available to stop further contact from PRA Group. A debt management plan may be able to help. By contacting a debt advice company, like MoneyPlus Advice, we can offer advice and set up a debt management plan that can help lower your monthly debt payments and find a repayment method that works for you.
A debt management plan ensures that you won’t pay more than you can afford and can also stop further interest and charges from being applied to your debts.

More importantly, we can deal with your creditors and debt collectors on your behalf, protecting you from future contact, potential bailiff visits and court hearings from PRA Group. MoneyPlus Advice can offer judgement and jargon free financial advice, that helps you deal with creditors and handle your outstanding debts.

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I have received a letter from PRA Group what does this mean?

If you have received a letter from PRA Group, it is likely that you have fallen behind on payments for an outstanding amount that has since been passed over to PRA Group. This letter will include a request for the outstanding debt repayment as well as any addition fees, interested or late payments applied by PRA Group.

It is important to take action after receiving this letter, PRA Group will continue to apply pressure to receive payments and any attempts to ignore their requests could ultimately lead to further debts with continued interest and arrears fees, PRA Group may also send debt collection agents to your house if you continue to ignore these requests. This is why contacting a debt advice company as soon as possible is such an important first step.

PRA Group are sending debt collectors to my house, what should I do?

Do not let debt collectors into your home. It’s vital to remember that debt collectors cannot legally enter your home and cease your property without legal due process. Debt collectors may enforce intimidation tactics or threats to receive payment from you but it’s important to be aware of your legal protections when dealing with debt collectors.

Remember that debt collection agents are not bailiffs or high court enforcement officers, who act on behalf of courts to enforce CCJs and legal action ordered by a court justice. It is illegal for debt collectors to mislead you in this regard, and they must clearly state who they are representing upon visiting your home.

Though it’s important to remember that PRA Group will continue to seek payments from you and once debt collectors are sent, the company may move ahead with legal action against you as a final effort to recover your debts. While you may be able to keep PRA Group debt collectors away from your property in the short term, repaying your debts or entering a debt plan is the only way to completely stop further action against you.

Will PRA Group repossess my home?

Losing your home to PRA Group is unlikely, however, it can happen if your outstanding debt is secured against your home.

When looking to obtain unsecured debts, PRA will require a court order known as a charging order before being allowed to repossess your valuables or property. While this could include personal items and luxury items, this can’t include essential items for daily life (dishwashers, a car for driving to and from work etc) your home will likely be considered under these conditions.

Though you likely won’t be asked to sell, you may be asked to release equity value in your home depending on how much of the property you either own or how much the property is worth. This will be determined by either your debt advisor or debt management provider.

It’s important to seek debt advice before your arears with PRA Group proceed to this point, if you have received letters, phone calls or visits from PRA Group agents requesting payment you should get in contact with MoneyPlus Advice before legal action is taken against you.

What debt plans can help stop PRA Group from contacting me further?

There are many debt management solutions that can protect you from creditors and recovery agents such as PRA Group. When signing up to most debt management solutions, you become legally protected from creditor contact and all payments and interaction with creditors is handled by your advisor at MoneyPlus Advice.

There are a variety of debt solutions that can help you more manageably repay your debts, these include:

Individual Voluntary Arrangement (IVA)

Make one affordable monthly payment over five or six years and then write-off any remaining debt.

Debt Arrangement Scheme

A government backed debt management scheme available to residents of Scotland which allows you to repay your debts through a debt payment programme.

What if I can’t afford to pay PRA Group?

If you have the money to repay your outstanding debts to PRA Group, it’s best to repay them before things escalate to further contact or legal actions. Simply ignoring or refusing to respond will not stop contact and  will continue to pursue you for your outstanding debts.

If you are unable to make your payment, a debt solution may be your best option, for example, a Debt Management Plan. A debt advisor will work out a debt repayment plan, allow you to repay only what you can afford back towards your debts each month.

An IVA with MoneyPlus Advice could cut your monthly repayments by £239 a month, allowing you to repay your debts in a manageable, easy monthly instalment.

How do I stop contact from PRA Group?

As PRA Group are an FCA authorised financial organisation they are legally allowed contact you to try and recover outstanding debt payments. It’s important to remember that PRA Group are not legally allowed to harass or intimidate you and try to bully a customer into paying by contact you at unreasonable times.

What a reasonable time means may be unfortunately broad and early morning/evening calls could be expected. Though debt collection companies cannot contact you before 8am in the morning or after 9pm at night, unless given express permission to do so.

Under current regulations you can specify some of the ways you wish to be contacted by your creditors, including specifying reasonable contact times and denying contact through call or email (though they can still contact you through letters)

PRA Group will continue to pursue you until a payment is made or you get in touch with a debt advisor to contact PRA Group on your behalf. Speaking to a financial advisor can help put a debt repayment plan is place between you and PRAGroup. Once a Debt Repayment Plan is reached and your plan is approved you will be legally protected from creditor contact and they will be unable to contact you further.

How do I get help with PRA Group?

If you have received contact from PRA Group getting in touch with a financial advisor is an important first step, MoneyPlus Advice today can offer a consultation to tell you the next step, our website can tell you in ten minutes if you are eligible for a debt plan and the sooner you get in touch, the sooner you can get ahead of your debts.

Don’t put off getting help, get in touch with MoneyPlus and live better today.

Still unsure or want to know more?

That’s where our advisors come in, our expert debt advice team can help you find a solution that works for you. If you think a Debt Management Plan could be right for you, get in touch now.

At MoneyPlus we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.

So, get in touch today and start living better with MoneyPlus Advice.