Who is PRA Group (UK) Limited?

We know life happens and doesn't always go according to plan.

If you received a letter or call from us, it means that your original provider has made a business decision to sell your debt. The contractual agreement you had with your original provider has been transferred to us and you now owe this debt to PRA Group.  Our website will help you understand the process, your options, and—most importantly—how we’re committed to working together to come to the most appropriate resolution and that any payment plans we agree are both sustainable and affordable.

Calculate your monthly income and expenditure here.

Who is PRA Group (UK) Limited?

PRA Group (UK) Limited is one of the nation’s largest debt collectors. PRA Group (UK) Limited is a subsidiary of PRA Group, Inc.—a publicly-traded (Nasdaq: PRAA) company which started in 1996 and employs more than 5,000 people across the Americas and Europe.

We are focused on running a business with a highly ethical code of conduct and only buy accounts from reputable high street providers. We offer our customers solutions for getting out of debt and repairing their credit history. We don’t attempt to collect from those who can’t pay. We don’t add interest. We are committed to helping our customers repay their outstanding balance in accordance with their ability to pay.

Why has my account been sold to PRA Group (UK) Limited?

PRA Group (UK) Limited purchase large numbers of accounts from many major banks and finance companies. These banks and finance companies chose to sell their accounts on to companies like ourselves, usually when the account has gone into default.

What can I expect from PRA Group (UK) Limited?

All PRA employees share a common set of values and commitments that define how we treat each other, how we relate to our customers, and the responsibilities we have to shareholders, regulators, clients, and others. Simply put, they’re the principles that reflect our company’s culture, why PRA was started, and who PRA is today. Our goal is for every PRA employee to personalise and live these shared values—because they are guidelines for everything we do.

COMMITTED to always doing our best work.

ACCOUNTABLE for our actions.

RESPECTFUL in our interactions with each other.

ETHICAL in every situation.

SUCCESSFUL because we work together as a team.

Paying us is easy…

Choose the best method for you.
Pay Online

Quick Pay Payment

Pay online using your debit card from your computer or mobile device.

Pay Now
Pay By Bank Transfer

Other Ways to Pay

Select your preferred payment method from our list of alternative options.

Click here for more info

Make a quick pay payment

You'll find the same important account information as on your customer letter, such as the original creditor, seller, merchant, and account balance.

  • View your account
  • Make a payment using your debit card
  • It’s easy and secure

Make a payment

No FAQs Found

Happy customers!

Excellent service is just one example of PRA employees making a difference in the lives of our customers every day. By working together to be collectively responsible, we aim to show every customer how much PRA cares.

Frequently asked by our customers

Common questions

We're here to help resolve any concerns you may have. Contact us ➜

How do I make a payment to PRA Group (UK) Limited?

Quick Pay

You’ll find the same important account information as on your customer letter, such as the original creditor, seller, merchant, and account balance.

    • View your account
    • Make a payment using your debit card
    • It’s easy and secure

Make a payment

Direct Debit

Please call us free on 0800 877 2772 to set one up. Alternatively, click here to print a Direct Debit Mandate or a mandate can also be found on the reverse of most of our letters, please complete your details and post it back to us.

The Direct Debit Guarantee

  • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
  • If there are any changes to the amount, date or frequency of your Direct Debit PRA Group (UK) Ltd will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request PRA Group (UK) Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
  • If an error is made in the payment of your Direct Debit, by PRA Group (UK) Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society.
  • If you receive a refund you are not entitled to, you must pay it back when PRA Group (UK) Ltd asks you to.
  • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

By Online Transfer 

Log in to your online banking service and use these details.

  • Sort code: 16-00-02
  • Account number: 21117336
  • Reference: your PRA Reference number


You can make a cash or debit card payment at any Payzone outlet or Post Office displaying the Payzone logo.

  • Simply present the barcode printed on the bottom right hand corner of any letter that we have sent to you along with your payment and your account will be credited.
  • You will be provided with a receipt from the retailer for your records.
  • This service is completely free to use.
  • Find your nearest Payzone outlet [https://www.payzone.co.uk/consumers/]
  • Simply select Utility and Bill payments and then Debt payment services

By Post

Please send us your cheque, postal order or bankers draft made payable to PRA Group (UK) Ltd.

Please include your reference number, found on the right section of the letter we have sent you, with your payment.

Payments are to be addressed to:

PRA Group (UK) Ltd
PO Box 444

Can I provide my income and expenditure details online?

Yes, you can provide this information by clicking here.

I’ve been told my debt is unenforceable, what does this mean?

What does unenforceable mean?

This does not mean your debt is wiped out.  You still owe the money, and if you don’t pay, it could affect your credit record.

PRA cannot:

  • Secure a County Court Judgment (CCJ) against you

PRA can still:

  • Contact you by letter or phone to ask you to pay what you owe
  • Transfer your information onto a subcontracted debt collection agency
  • Continue reporting this account on your credit file
  • Pass your information to a credit reference agency, which might affect your credit record
  • Send you a default notice if you miss any payments

IMPORTANT – Additional Information

If you stop paying off your debt whilst it is unenforceable it can affect your credit record.  If your debt becomes enforceable at any point, we will write to you to let you know.

If you have any questions about this, please contact us at enquiries@pragroup.co.uk

Who regulates PRA Group (UK) Limited?

We are regulated by the Financial Conduct Authority, for more information please visit www.fca.org.uk. We are also members of the Credit Services Association (CSA), the UK trade association for the debt collection and purchase industry.

What if I lose my job or become ill?

We have a dedicated Customer Support Team who can help you through this difficult time.  Providing as much information as possible will allow us to manage your account appropriately. Dial 0800 877 2772 to speak with an Account Representative.

What if I can’t make my agreed payment?

We can work with you to find the best resolution based on your current circumstances. Dial 0800 877 2772 to speak with an Account Representative.

How will this impact my credit report?

Please refer to one of the Credit Reference Agencies for more details on the impact to your credit report. You can request a copy of your Credit Record from any Credit Reference Agency, there may be a small fee charged depending on the agency you use. There are a few option such as, Callcredit (www.callcredit.co.uk), Equifax (www.equifax.co.uk) and Experian (www.experian.co.uk).

I dispute owing you this balance, what should I do?

It’s important you get in touch with us. We can look into any dispute or concern you may have.

I have a complaint, what should I do?

We aim to offer you the best possible service; however we understand that there may be occasions when you have cause to complain. You can make a complaint by phone and post, or send an email to complaints@pragroup.co.uk. Further details can be found within our PRA Group Complaint Leaflet. We publish our complaint statistics in line with Financial Conduct Authority guidelines. Our latest statistics can be found by following this link.

I’ve been contacted by another company claiming to be working on behalf of PRA Group, how do I know that they are?

We sometimes partner with other companies to ensure continuity of service to our customers. A list of these can be found below:

  • Credit Security
  • Brodies LLP
  • Shoosmiths
  • Judge & Priestly LLP
  • Phillip & Cohen
  • Wescot Credit Services
  • Nostrum Group

I have received a letter before claim – what should I do?

It’s important you contact us as soon as possible on 0800 877 2060. You should refer to the letter for further details.

What is CCJ/Decree?

A County Court Judgment (CCJ)/Decree is a type of court order in England, Wales and Northern Ireland that might be registered against you if you fail to repay money you owe.

In Scotland the process is called enforcing a debt by diligence.

Can I stop a CCJ appearing on my credit file?

Unless you pay off a CCJ in full within 30 days of receiving the judgment, it will be entered on your credit record at the Register of Judgments, Orders and Fines will remain there for six years. For more information you should seek free debt advice.

Can I see what information PRA Group (UK) Limited holds on me?

Yes, you are entitled to request this information from us at anytime through a subject access request.  Please contact us to request this information.

We're here to help.

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