Hello,
If we sent you an email, text, letter or call, it means that Bank of Scotland has sold your account to PRA Group UK Portfolios Ltd.
On a day-to-day basis your account will be managed by PRA Group (UK) Limited and payments for your account should now be made to us.
About us
PRA Group is one of the UK’s largest buyers of debt accounts (nonperforming loans). PRA Group UK Portfolios Ltd purchases debt accounts from reputable high street banks and other institutions, and frontline colleagues in PRA Group (UK) Limited manage these accounts as team members of the appointed servicer.
As debt solution specialists, 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.
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 2024.
Debt happens, so can recovery.
Our goal is to make debt repayment fair and affordable.
- Fair and respectful treatment of our customers
- Affordable solutions for getting out of debt and repairing credit history
- We won't charge interest or fees while you work with us on your account(s)
- Committed to helping customers repay within their budget
- We don’t attempt to collect from those who can’t pay
Our promises
- We won’t charge interest or fees while you work with us on your account(s)
- We will listen more than we talk
- We’ll work with you on a way forward
- You’re in control of your repayment
Now that your account is with us, you have new options to resolve this debt.
Your plan,
your way.
With PRA you’re in control. Login and use our explorer tool to play with some options – no strings attached.
