Frequently asked questions

Who is PRA Group and why has my debt been sold to them?

PRA Group is one of the UK’s largest debt purchasers and collectors. PRA Group (UK) Limited and PRA Group UK Portfolios Ltd are subsidiaries of PRA Group, Inc.—a publicly-traded (Nasdaq: PRAA) company which started in 1996 and employs around 3,000 people across the Americas and Europe.

We are focused on running a business with a highly ethical code of conduct and PRA Group only buys accounts from reputable high street providers. PRA Group (UK) Limited has been instructed by PRA Group UK Portfolios Ltd to manage your account on their behalf. As debt solution specialists, PRA Group offers 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 or fees while you work with us on your account(s). We are committed to helping our customers repay their outstanding balance in accordance with their ability to pay. At PRA Group we know life happens and doesn’t always go according to plan. Making contact is the first step to a brighter future. We are committed to working together.

Why has my account been sold to PRA Group?

PRA Group purchases large numbers of debt accounts from many major banks and finance companies. These banks and finance companies chose to sell their accounts on to debt purchase companies like PRA Group, usually when the account has gone into default. This is good news, as PRA Group specialises 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.

How do I change my personal contact details?

We will be happy to update these for you, simply call us on 0808 196 5550. Alternatively, you can email us at

Who regulates PRA Group?

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

I’ve been contacted by another company regarding this account, what should I do?

Although your debt is owed to PRA Group UK Portfolios Ltd, PRA Group UK Portfolios Ltd has instructed PRA Group (UK) Limited to manage your account on its behalf. There are occasions where PRA Group (UK) Limited may appoint one of the following companies to help with the management of your account:

  • Credit Security Ltd
  • Brodies LLP
  • Equivo Limited
  • Shoosmiths LLP
  • Shoosmiths (Northern Ireland) LLP
  • Judge & Priestly LLP
  • Phillip & Cohen Associates (UK) Limited
  • Intrum UK Ltd
  • Wright Hassall LLP
  • Moorcroft Debt Recovery Ltd

If the name of the company contacting you does not feature above, or you have other concerns, please contact us on 0808 196 5550. Alternatively, you can email us at

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Each year millions of people fall behind on their bills for many reasons - things don’t go as planned, and then debt happens…

When a person is unable to pay back a loan, credit card or another account, their creditor may sell that debt to a company like ours..

If your account was sold to us, we’re here to help make repayment easier.

We’ll send you a welcome letter that explains who we are and invites you to access your account online –

where you can view your account information and manage flexible payment options that allow you to create an affordable payment plan, make a payment or pay it all off.

We don’t add interest or fees, and we won’t sell your account.

And when your debt is cleared, we’ll happily send you a confirmation.

Because we understand debt happens.

We’re PRA Group.

We’re changing the way debt repayment works by treating our customers with the fairness and respect they deserve.

We’ve helped millions of people clear a debt - let’s work together to find your path to recovery.

Debt happens. So can recovery.