If we sent you an email, text, letter or call, it means that Bank of Scotland, PLC has sold your account to us.
About us
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.
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
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.