PRA Group

PRA Group

If you have received communication from PRA Group, including debt collection letter or phone calls, then contact a qualified Debt Counsellor today. This article has been put together to give you an overview of who PRA Group are.

Are you also looking for advice and help in relation to how to deal with PRA Group? Do you perhaps need to make a payment or are you wondering about why they’re contacting you, either by sending letters of calling you?   Get free debt help today

The below guide will give you all the information you need to know about PRA Group, with a guide to what they can legally do as well as their contact and address information.

So Who are PRA Group?

PRA Group is a company who work in the debt collection industry, who specialises in collecting debts owed by individuals or businesses on behalf of a range of creditors and financial institutions.

They work on behalf of national companies such as Banks, Loan companies, Credit Card companies, Utility companies etc, so if you have ever fallen into arrears with any of these companies then chances are you will have come across PRA Group.

They may also work with HMRC, collecting Tax Credits overpayments as well as Self Assessment debts if you don’t pay tax bills. If you have been contacted by them, the information in this guide will help you decide how to proceed.

If you have been contacted by PRA Group, you must make a decision on how to deal with them. There are a number of options, and there are even companies who can help you deal with them.

Do you really owe them money?

You must check if you actually owe PRA Group any money, after all they are just a debt collection agency and must provide clear evidence that you owe them money. There is a chance that you don’t actually owe them anything. Checking is easy, act now.

What can PRA Group Actually Do?

Thankfully, it’s 2019 and debt collectors are bound to strict debt collection guidance instated by the FCA (Financial Conduct Authority)

They are an important authority which operates in the UK to protect vulnerable people, who may be targeted by untrustworthy businesses. The FCAs debt collection rules and guidance outlines the standards which authorised companies which work within the debt recovery and collection industry must follow. Without doing so, they are considered unfit to work as a debt collector.

The FCA states that PRA Group is not able to claim unfair or excessive collection charges, they can’t harass you or threaten to seize your property and they can’t bypass an appointed representative and contact you directly. PRA Group does not have the legal powers to overrule the FCAs guidelines and they also stop collectors from threatening legal action which is not likely to come to fruition.

There are many concerning practices which have been reported over the years about debt collection companies:

  • Speaking about your debt with family members or employers
  • Calling you at work without prior arrangement or if you’ve instructed them to refrain from doing so
  • Calling out of normal business hours
  • Urging you to borrow more money in order to clear debt
  • Ignoring appointed representatives and contacting you directly
  • Sending letters which appear to be official court documents
  • Withholding information about your account
  • Lying about legal powers
  • Adding extortionate charges to debt
  • Continuing to demand payment when debt is statute barred

How old is the debt they’re chasing?

If PRA Group are chasing a historic debt, you must check if it has been statute barred, which means that you no longer owe the debt.

So before coming to an arrangement with them, make sure that you’ve checked this and got advice from a third party company. Then, you’ll be able to be sure that they are actually able to produce proof that you do in fact owe the debt that they’re chasing for. Asking for help from a third party can also make sure that you get an agreement that is affordable, hence avoiding any further money issues as a result.

There are countless instances where people have been urged into paying a certain amount to a debt collection agency when it is a figure that they can’t reasonably afford. We have expert partners who are experienced in dealing with PRA Group every day and are able to quickly establish the nature of the debt. If it is statute barred, they will know straight away and you could avoid paying a penny to them.

So we can’t urge you enough to seek advice if you’re being chased by PRA Group. It’ll ensure that you go forward and repay the debt on your own terms and at a rate that you can actually afford, instead of what suits them.

And if you have already entered an agreement, there are still ways that our partners may be able to help, so make sure to get in touch with them here!

PRA Group Contact Information

Company Name: PRA Group
Other Names: PRA UK Ltd, PRA Group, Aktiv Kapital, Aktiv Kapital UK Ltd
2 The Cross
Contact Number: 0800 877 2772

Numbers they call from:


If you are having difficulty with PRA Group there are various things that you can do in order to deal with them better. We have a number of affiliated businesses who can help you deal with your debt. Get in touch with them HERE.




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