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Lender Details›PRA Group (UK) Limited
Debt Collector

PRA Group (UK) Limited

Also known as: PRA Group

PRA Group UK Limited is a debt purchaser and debt collection company. It is the UK arm of PRA Group, one of the largest debt buyers in the world, with operations across Europe and North America. PRA buys portfolios of unpaid debt from banks, credit card companies, and other lenders, and then works to recover those debts.

When PRA Group buys a debt, it becomes the legal owner. If you receive letters from PRA Group UK, it means a debt you had with another lender has been sold to them. The original lender is no longer involved.

PRA Group is regulated by the Financial Conduct Authority and must follow FCA rules on how it treats customers. This includes being clear about what you owe, dealing with you respectfully, signposting you to free debt advice, and not using misleading or aggressive tactics.

You have the right to ask for written confirmation of the debt, including the original account details and a copy of the credit agreement. If you dispute the debt or believe you do not owe it, PRA must investigate. Citizens Advice or National Debtline can help you with this process at no cost.

If you owe a debt to PRA Group and cannot pay the full amount, it may be possible to agree a payment plan or, in some circumstances, a reduced settlement figure. Free debt advice charities can help you negotiate and advise on what is realistic.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, and Citizens Advice. All these services are free. You should never pay a third party to deal with debt collectors on your behalf when free help is available.

Quick summary

Company typeDebt Collector
Trading namesPRA Group
FCA Firm Ref (FRN)718645
FCA statusAuthorised
Companies House no.04267803
Company statusActive
Parent companyPRA Group, Inc. (NASDAQ: PRAA) (USA)
Official websitehttps://www.pragroup.co.uk ↗
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

StepChange Debt Charity0800 138 1111National Debtline0808 808 4000Citizens Advice0800 144 8848MoneyHelper0800 138 7777

Why someone might search for PRA Group (UK) Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact PRA Group (UK) Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

Websitehttps://www.pragroup.co.uk ↗
PhoneNot verified
EmailNot verified
Registered addressLevel 11 Riverside House, 2A Southwark Bridge Road, London, SE1 9HA

Always use contact details from PRA Group (UK) Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number718645
FCA statusAuthorised
Companies House number04267803
Company statusActive
Parent companyPRA Group, Inc. (NASDAQ: PRAA) (USA)
Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm↗Companies House — company records↗Financial Ombudsman Service — complaints↗MoneyHelper — free money guidance↗StepChange — free debt advice↗National Debtline — free debt advice↗Citizens Advice — free advice

What they do

Main products and services

Debt purchase; Debt collection; Debt servicing; Consumer credit accounts

Trading names and group notes

Ultimately owned by PRA Group, Inc. (NASDAQ: PRAA), headquartered in Norfolk, Virginia, USA.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

3.9

~191 reviews

Overall public sentiment

Mixed. Positive reviews praise empathetic, non-judgmental staff and flexible payment options. Negative reviews cite contact for incorrect or old debts and conflicting payment information.

Review sources

https://uk.trustpilot.com/review/pragroup.co.uk ↗

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

StepChange — free debt advice ↗National Debtline ↗

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

Explore Ask Fin — £4.99/month

Related Ask Fin tools

My Monthly BudgetExplore →Financial Leak DetectorExplore →UK Benefits CheckerExplore →Money FinderExplore →

General guidance tools only. Not regulated advice.

Common questions about PRA Group (UK) Limited

Why has PRA Group (UK) Limited contacted me?+
PRA Group (UK) Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does PRA Group (UK) Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask PRA Group (UK) Limited to confirm this in writing, along with the name of the original creditor.
Can I ask PRA Group (UK) Limited for proof of the debt?+
You may ask PRA Group (UK) Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from PRA Group (UK) Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can PRA Group (UK) Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can PRA Group (UK) Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideWhat to do if a debt collector contacts youRead →GuideDebt collector vs debt purchaser — what is the difference?Read →GuideHow to ask for proof of a debtRead →GuideHow to complain about a debt collectorRead →GuideFree debt help in the UKRead →GuideWhat is a debt collector?Read →GuideHow to deal with a debt collector letterRead →

Sources and date checks

Source URLs used in preparing this record

https://find-and-update.company-information.service.gov.uk/company/04267803 ↗https://register.fca.org.uk/s/firm?id=001b000001SHB7aAAH ↗https://www.pragroup.co.uk ↗

Date checked

2026-06-05

Next review due

Periodic review

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