About us

Who is PRA Group (UK) Limited?

PRA Group (UK) Limited is one of the nation’s largest buyers of debt accounts from reputable high street banks and other institutions. As specialists in the debt market, we work with our customers to help them resolve their debt in an affordable way that works with their budget. We are focused on doing business with a highly ethical code of conduct.

Our goal is to make debt repayment fair and affordable.

High standards for how we treat people.

We know that no one wants to find themselves in debt, and we're committed to helping our customers figure a way out. We collaborate with and help to fund the leading UK debt advice organisations, and are the official sponsor of the not-for-profit Money Advice Liaison Group's (MALG) 'Members Friday Forum' for 2021.

Debt happens, so can recovery.

How did PRA Group (UK) Limited get my account?

When banks and finance companies have a customer account that goes into default, they will often sell that account to a company like PRA Group (UK) Limited. This is good news, as we specialize in working with customers to help them resolve their debt and repair their credit history.

How does the PRA Group (UK) debt repayment process work?

When banks and finance companies have a customer account that goes into default, they will often sell that account to a company like PRA Group (UK) Limited. The contractual agreement you had with your original provider is transferred to us and you now owe the debt to PRA Group. This is good news, as we specialise in working with customers to help them resolve their debt and repair their credit history.

We are here to help you understand the process and your options. Most importantly, we are committed to working together to come to the most appropriate resolution, and any payment plans we agree should be both sustainable and affordable.

We will work with you however you are most comfortable - online on this website, over the phone or by email, SMS or live chat.

What are the next steps?

If you're a PRA Group (UK) customer, we suggest the following:
1. Log in to review your account to learn exactly what you owe.
2. Figure out what you can pay - we can help you with our affordability tools
3. Create a payment plan or make a single payment that fits your budget and resolves your debt.

We recognize that everyone's situation is unique, so if you're uncertain about any of this please make contact and we'll be happy to work with you.

Testimonials

How customers have dealt with debt.

“I felt you really listened to me explaining my situation..."

icon_testimonial
PRA Group Customer
"Thank you for your professional, sympathetic and kind manner in discussing my circumstances today. I felt you really listened to me explaining my situation."

"Thank you to all the staff who have helped me over the years..."

icon_testimonial
PRA Group Customer
"I would like to say thank you to all the staff who have helped me over the years with my account, and advice. I have learned a lot from your advice to pay the account in full to have good credit."

Our core principles

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.

Our employees share a common understanding and culture of how we treat customers and each other.

COMMITTED to always doing our best work.
ACCOUNTABLE for our actions.
RESPECTFUL in our interactions with each other.
ETHICAL in every situation.
SUCCESSFUL in helping our customers.