Terms and conditions

February 2022

These are the Terms and Conditions for the use of this website www.pragroup.co.uk (the” Website”) operated by PRA Group (UK) Limited and its direct and indirect subsidiaries (“PRA Group UK).

Please read these Terms and Conditions carefully before using the Website. They contain important information about your rights and obligations when using the Website. Please note that in these Terms and Conditions, the PRA UK Group may be referred to as ‘We’ or ‘Us’ or ‘Our’.

By using or accessing the Website, you agree to be legally bound by these Terms and Condition and that you agree to comply with them when you use or access the Website. If you do not agree to these Terms and Conditions, you should not use the Website.

Changes to these Terms and Conditions

We may revise the Terms and Conditions from time to time. Any change to the Terms and Conditions will be effective upon publication on the Website. You should check the Website from time to time and each time you wish to use the Website to review the current version of the Terms and Conditions.

Other terms and conditions or legal notices located on particular pages on the Website also apply to your use of the Website. This includes the Privacy and Cookies Notice located here.  Before using the Website, please read these other terms and conditions and legal notices.

Accessing the Website

Access to the Website is permitted on a temporary basis, and We reserve the right to withdraw any information and/or service We provide on the Website without notice. If the need arises, We may suspend, withdraw or restrict access to the Website or close it indefinitely.

We may update and change the Website from time to time to reflect changes to Our services, payment methods, Our users’ needs and Our business priorities.

We do not guarantee that the Website, or any content on it, will always be available or be uninterrupted.  We will not be liable for any damages, loss, costs or expenses incurred by you, if for any reason the Website is unavailable or inaccessible at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Website.

You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of the Terms and Conditions and the Privacy and Cookies Notice, and that they comply with them.

You may only use the Website in a manner that complies with all applicable laws and does not infringe the rights of any third parties, or restrict or inhibit their use or enjoyment of the Website.

Website is for UK Users Only

The Website is directed to people residing in the United Kingdom only.  If you are accessing the Website from outside the United Kingdom you can still make payments to your account. If you have a PRA Group account in another country you can find links to Our other locations below:

Your Account Details

If you choose, or you are provided with, login details, password or any other piece of information to access your account, you must keep these private and confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by Us, at any time, if in Our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

If you know or suspect that anyone else knows your user login details or password, or account details you must promptly notify Us at privacy@pragroup.co.uk or contact us.

Intellectual Property Rights

We are the owners or the licensees of all intellectual property rights in the Website, and in the information (including all text, photographs, illustrations, designs, graphical images, animations, video materials, audio materials and trade marks) published on it. All such rights are strictly reserved to Us.  “PRA Group” and Our logo are UK registered trademarks of PRA Group, Inc.   You are not permitted to use them without Our approval, unless they are part of material you are using as permitted under these Terms and Conditions.

You may print a single copy, and may download extracts, of any page(s) from the Website for your personal reference, and you may draw the attention of others within your organisation to information posted on the Website.

You must not modify the paper or digital copies of any information you have printed from the Website or downloaded in any way from the Website, and you must not use any photographs, illustrations, designs, graphical images, animations, video materials, audio materials or trademarks separately from any accompanying text.

We, (and that of any identified contributors) as the authors and owners or licensees of information on the Website, must always be acknowledged by you.

You must not use any part of the information on the Website for commercial purposes without first obtaining a licence to do so from Us or Our licensors, which licence can be withheld at Our or Our licensors’ sole option.

If you print off, copy or download any part of the Website in breach of these Terms and Conditions or otherwise breach these Terms and Conditions, your right to use the Website will cease immediately and you must, at Our sole option, return or destroy any copies of the information you have made.

Other than as explicitly permitted under these Terms and Conditions, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Our prior written consent.

Reliance on Information Posted

Commentary and other information posted on the Website are general in nature. Other than where expressly noted otherwise once you have logged into the Website, the Website does not purport to provide advice, make any offer or otherwise create or lead to the creation of any legally enforceable relationship between you and Us. Although We make reasonable efforts to update the information on Our Website, We make no representations, warranties or guarantees, express or implied, that the content of the Website  site is accurate, complete or up-to-date. As such, no reliance should be placed on any statements made on the Website.

Our Liability

The information displayed on the Website is provided “as seen” without any guarantees, representations, conditions or warranties as to its accuracy.

If your use of information on the Website results in the need for servicing, repair or correction of your equipment, software or data, you assume all costs thereof.

To the fullest extent permitted by law, We and any third parties connected to Us hereby expressly exclude liability in respect of :

  • all implied guarantees, representations, conditions, warranties and other similar terms of whatsoever nature;
  • any implied terms for relevant jurisdiction which, but for these Terms and Conditions, might have effect in relation to the Website;
  • any liability for any direct, indirect or consequential loss or damage incurred by any user (including without limitation, any direct, indirect, punitive or consequential loss or damage, or any loss of income, business, revenue, profits, anticipated savings, goodwill, data, contracts, use of money, or loss or damage arising from or connected in any way to business interruption, wasted management or office time, or any distributed denial-of-service attack, and whether arising in tort or delict, including without limitation negligence, contract or otherwise) and any other loss or damage howsoever occurring even if foreseeable, in connection with the Website or in connection with the use, inability to use, or results of the use of the Website, any websites linked to it and any information posted on it or any viruses or technologically harmful information that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any information from the Website or any websites linked to the Website.

Nothing in these Terms and Conditions excludes or limits Our liability for death or personal injury arising from Our negligence, or Our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Viruses, Hacking and other Offences

You must not knowingly introduce viruses, trojans, worms, logic bombs or other information to the Website which are malicious or impair the performance or functionality of the Website or Our information technology systems.

You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer, database or other system connected to the Website.

You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack.

By doing any of the foregoing, you may commit an offence under the Computer Misuse Act 1990. We will report any such breach to the relevant authorities and We will co-operate with those authorities by disclosing to them your identity and any other related data, where obliged to or permitted by applicable laws, which We hold.

In the event of a breach of these Terms and Conditions you will be denied use of the Website immediately.

We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access the Website. You should use your own virus protection software.

Links from the Website

Where the Website contains links to other sites and resources provided by third parties, these links are provided for your information and convenience only.

We are not associated with and do not have any control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you use these links, you leave the Website. We may not have reviewed these third party websites and do not control and are not responsible for these websites or their content or availability.  You should ensure you read the terms of use and privacy policy of those third party websites before you use them.

If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

Links to the Website

You may link to the home page of the Website, provided you do so in a way that is fair and legal and does not damage Our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on Our part where none exists.

You must not establish a link to the Website in any website that is not owned by you.  The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page.  We reserve the right to withdraw linking permission without notice.

Making a Payment

You can make payments on Our secure Website by clicking the Pay Online button or ’Ready to pay?’ button on the home screen. You have two options to login, either using Name, date of birth and Postcode or using your  Customer Reference Number and Web Password (you can find this on any letter or statement from PRA).

Once you have logged in, please then follow the prompts on screen to make a payment. If We do not currently hold your Name, DOB and Postcode on your account or you do not have your Reference Number & Web Password to hand, then please call Us on 0800 877 2772 and We will be glad to help.

Learn more about making a payment here.

Jurisdiction and Applicable Law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Website although We retain the right to bring proceedings against you for breach of these conditions in the jurisdiction of your domicile or any other relevant jurisdiction.

These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.  However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.


If any clause (or part of a clause) of these Terms and Conditions should be found not to be valid, lawful or enforceable by a court having proper authority or if the law changes so that it becomes invalid, unlawful or not enforceable to any extent then the clause (or part affected) will be treated as having been deleted from the remaining terms and conditions which will continue to be valid.


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