PRA Group – Debt Collection Agency

A Guide to PRA Group debt recovery in the UK

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This Guide Includes

1. PRA Group – Debt Collection Agency

2. Who is PRA Group?

3. What can PRA Group do?

4. What should I do if PRA Group contact me?

5. How do I contact PRA Group?

6. How can Refresh Debt Advice help me stop PRA Group?

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PRA Group – Debt Collection Agency

Have you received a letter or phone call from PRA Group?

Being in a difficult financial position is challenging enough for most people. Trying to make repayments to your creditors for things like credit cards, loans and overdrafts isn’t always easy with everyday living costs increasing year on year.

Remember that debt collection agencies such as PRA Group are not bailiff or enforcement agents. This means that they do not have the same rights

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Our team of advisers are here to support and advise you every single step of the journey.

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Who is PRA Group?

PRA Group (UK) Limited is one of the UK’s largest debt collection agencies.

They state that they’re focused on running a business with an ethical code of conduct and only buy accounts from reputable high street providers. They offer customers a number of solutions to help them get out of debt, in addition to assisting them with repairing their credit history.

PRA Group states that they don’t attempt to collect debt from those who are unable to pay. They also claim to not add any interest to your debt as well as being committed to helping customers repay their outstanding balance in accordance with their ability to pay.

If you’re struggling with debt and need help with stopping PRA Group. Call our specialist advisors today on 0800 121 48 63 or complete the online form on this page to request a call-back.

What can PRA Group do?

PRA Group, being a debt collection agency is not granted any special legal powers to assist them in their debt recovery process. They are unable to take any additional action that the original creditor would not be able to take themselves. This means that PRA Group have to use a similar process and follow the same guidelines as the original creditor when recovering any outstanding debt.

PRA Group will use a number of different methods to get in touch with you. You will most likely be contacted by PRA Group with letters in the post and telephone calls made to you.

Dealing with PRA Group can be a difficult experience for most, especially when you start receiving telephone calls and letters from the debt collection agency.

Fortunately, PRA Group as well as any other debt collection agency is unable to give you misleading information about their legal standing.

The expert advisors at Refresh Debt Services will take into account details of your current financial situation and help you find the right solution that meets your needs. We’re able to mediate and negotiate an affordable and sustainable repayment plan for you. We can do this for any debts held by PRA Group, in addition to other debts you may have.

Speak to a specialist money advisor today on 0800 121 48 63 or alliteratively complete the online form on this page to request a call-back.

What should I do if PRA Group contact me?

Firstly, do not make the situation worse by ignoring phone calls and/or letters you receive from PRA Group.

It’s important to know your rights and what to do at each stage of the PRA Group’s debt collection recovery process. We’re able to help you resolve the situation by discussing a number of different wider financial solutions available to you.

Debt collectors like PRA Group will send you a number of different automated letters. They will ask you to contact them by phone to set up a repayment plan. If you fail to do this, they will try to threaten you with a visit to your property.

Later down the line, PRA Group will attempt to offer you an out of court settlement. Correspondence can escalate when they start making further threats to take you to court to obtain a county court judgement (CCJ) or in some rare cases, even make you bankrupt.

It’s important to remember that these are standard automated letters, a similar letter will be sent by PRA Group to everyone they try to recover unpaid debt from.

It can be difficult to arrange a suitable repayment plan with PRA Group. This is why we’re able to help you find a financial solution that you can realistically manage through instalments. We take into account your current financial circumstances by going through a detailed household income and expenditure sheet to identify what would be your best available option.

Have you been contacted by PRA Group? If yes, contact Refresh Debt Services to speak to one of our friendly specialist advisors for free and impartial advice. We’re able to understand your current financial situation and advise on a range of solutions, helping you become debt free.

How do I contact PRA Group?

You can contact PRA Group through a number of different ways.

If you wish to contact PRA Group via post, you can write to them at: 2 The Cross, Kilmarnock, Scotland, KA1 1LR

You can contact PRA Group via telephone by calling 0800 877 2772

Their office opening hours are as follows:
8:00am – 9:00pm, Monday to Thursday
8:00am – 6pm Friday
8:00am – 2pm Saturday

Remember that any telephone calls you make may be recorded.

Visit PRA Group’s website directly at:

If you need to email PRA Group, you can send them a message at:

How can Refresh Debt Advice help me stop PRA Group?

Our friendly team of money advisors understands how worrying it can be when you receive phone calls, letters, emails and text messages from debt collection agencies such as PRA Group.

It can be a difficult experience when you’re no longer in control of your debts or financial situation. This is why we offer free impartial advice and guidance to help you find a solution that’s right for your individual circumstances.

If you need help with PRA Group as well as help with any other debts that you may have, call our specialist advisors today on 0800 121 48 63 or complete the online form on this page to request a call-back.

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Michelle D'Arcy
Keith was great! constantly asked if I had any questions, made sure I understood everything, didn't rush me when I was getting information. Totally professional but also put me at ease and we even had a little joke. The weight of the world has been lifted off my shoulders. 100% recommend them.
Craig Newkland
Very very good service and advice. People at Refresh are friendly, polite and knowledgeable. Would recommend to anyone.
Linda Harvey
From the day i started my DMP the team have been more than helpful and respectful. Over the Last years i have had know reason to contact Refresh as i never had any issues with my payments ect. In the last week as my DMP has come to an end i needed advice and support with being able to show proof my DMP had come to and end and i now owe nothing, but also a huge weight lifted from my shoulders. Brenna my account manager was soo helpful and understanding and took her time to chat to me and send me all the info i had asked for. These people are not judgmental or insensitive, just helpful people trying to help you get back on track!! Thank you
jean roaach
I found refresh very helpful when I was struggling with my debts. I received monthly statements and updates on what I was paying and when things changed and was only to happy to help with any problems I had all ways pleasant on the phone and understanding. Lucky enough I am debt free thanks to refresh would highly recommended them
Keith was so helpful! Made me feel very comfortable to talk to him about the help I needed. Would recommend anyone who is struggling to talk to him! Fantastic service! Couldn’t be more grateful of his time and help!
Keith was absolutely brilliant. I was a victim of a sophisticated Bitcoin scam which has been largely responsible for my present financial predicament and I feel embarrassed and ashamed that I allowed this to happen to me.As a result I was really scared as I began to think that everything was fraudulent including Debt Management agencies. Right from the start I felt safe and reassured with Keith. He not only knew his stuff but validated my feelings and perceptions, was not at all judgemental and his concern and empathy were genuine with marked social, psychological and emotional intelligence and sensitivity. For the first time since I realised I had been scammed I could sleep. I felt protected and I still do. He would make a very good psychiatrist.
From the moment I spoke to Keith he put me at ease. He professionally took me through the possible steps, answering any questions that I had and his empathy and reassurance was very appreciated. Once I came to a final decision on what I needed Keith again answered any other questions and quickly put the plan into action. Honestly I had spent so many days/nights worrying about the debts once I had finished talking to Keith I felt like a huge weight was lifted from My shoulders!! I can’t thank Keith enough for taking the time to listen and then implement the plan for me! 10/10
Zdenka Suchankova
Its a very friendly staff, just 5:45 I wait for next phone call and now its a5:50 and nobody call me. Something wrong?

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