Check If You Qualify

PRA Group Limited - Should I Make Payment?

Usp Hand Heart


Out of Debt Since 1989

Usp Handshake

We offer an

Instant Initial Consultation

Usp Palm Wallet

We'll Help You

Lower Monthly Payments

Who are PRA Group Limited?

PRA Group Limited are a company who specialise in debt recovery and solutions. They purchase accounts which have outstanding debt from high street banks as well as other finance companies. This means if you have an outgoing loan to a high street bank which you are struggling to repay, it is possible that this debt has been allocated to PRA Limited who will become responsible for retrieving payments.

Sharon McDougall Square

Sharon McDougall

Debt Adviser

Call: 0800 0639 250

Why have I been contacted by PRA Group Limited?

If you have received an email, letter, or phone call by PRA Group Limited this is because your debt account has been sold to them by your original lender. This occurs when your previous lender have uses all methods available to them to request payment and it has still not been received. If the debt continues to be unpaid, they will sell the outstanding amount to a debt solution specialist such as PRA Group Limited, who will then be solely responsible for collecting payment moving forward.

What powers do PRA Group Limited have to retrieve payment?

When interacting with a debt collection specialist such as PRA Group Limited, you may notice that you receive more frequent communication, by letter or phone calls, compared to your original lender. This is because they have more resources to dedicate towards sourcing payment and so can manage the process more efficiently than your previous lender.

Despite the increased pressure you may feel subject to when interacting with a debt collector, you should be aware that they are bound by certain legal obligations according to the Financial Conduct Authority regarding their conduct and methods used to retrieve payment. Whilst they are under legal responsibility, PRA Group Limited have the power to pass your information to a credit reference agency, which can affect your credit record as well as sending a default notice should you fail to make payment. According to Scottish law, debt enforcement agencies can escalate to the Sheriff Court if a default notice goes ignored. They also can use an Earnings Arrestment which deducts fees for payment from your wages.

Even though this situation may be stressful, it is important to acknowledge the issue and take action where possible as otherwise it can become more difficult. If you are struggling to make the payment, you can reach out to our experts at Scotland Debt Solutions who can take over contact with PRA Group Limited and help bring comfort from the pressure it brings.

Should I make a payment to PRA group Limited?

After PRA Group Limited have purchased your debt account from a bank or other finance company, they now have full ownership of the money that is due instead of the original lender. Therefore, if you are planning to settle the debt, you should make payment to PRA Group Limited instead of the original company you owe money towards.

However, it is important to note that you should request for confirmation from PRA Group Limited that your debt is valid and enforceable before making any form of payment. As debt collection specialists, PRA group Limited are legally obliged to provide proof of ownership of debt. You can request this information by submitting a proof of debt letter.

If you have confirmed that the debt is enforceable, then it is recommended that you clear this before you receive any additional fees, charges or interest added to the original amount. Once you have made payment, this will bring an end to communication with PRA Group Limited.

Debt Report V2

Debt Report

Get your instant Debt Report

What should I do if I cannot pay PRA Group Limited?

If you are facing financial difficulty and are unable to pay the money you owe, then you should inform PRA Group Limited of your current situation to address which options may be available to you. Debt collection agencies such as PRA Group Limited often offer a range of payment services and may be able to find a compromise that works for you.

If you enter discussions with PRA Group Limited regarding methods of payment, you should be conscious of any financial obligations you may currently have such as household bills, tax payments, or a mortgage. You should be careful not to fall behind on these payments due to any arrangement that has been made.

What can I do if I am being chased by PRA Group Limited?

If you are receiving letters or other forms of contact from PRA Group Limited concerning your debt, or if you have any other difficulties concerning payments to a lender or debt collection agency, then we can offer support at Scotland Debt Solutions.

Your assigned advisor will speak to you to understand your current situation and guide you through the options available for you to take. The options available under Scottish regulations include a Trust Deed agreement, Debt Arrangement Scheme, or Sequestration.

Once you have decided on a way to move forward, then your specialist advisor will be there to help you through the procedure. We will communicate with PRA Group Limited, or any other lenders on your behalf so you can feel comfortable and freed from pressure.

To get in touch with one of our experienced advisors today, you can call our Scotland Debt Solutions team on 0141 326 0417.

Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Store and Credit Cards Debts
Stack Of Credit Cards

Store and Credit Cards Debts

Council Tax Arrears
Couple working out household debt

Council Tax Arrears

Mortgage and Rent Arrears
Rental House

Mortgage and Rent Arrears

Car Payments
Car Parking Fine on Windscreen

Car Payments

County Court Judgment
Court Order

County Court Judgment

swiper arrow next
swiper arrow next

We now do home visits

If you would prefer a meeting in the comfort of your own home, we are happy to arrange a date and time convenient for you no matter where in the country you are based.

Book a home visit


Useful Tools

Find a Local Office
Usp Signpost

Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Find an Office
Instant Scheduled Call & WhatsApp

Instant Scheduled Call & WhatsApp

Arrange a call with an expert advisor at a time to suit you or contact our team via WhatsApp for immediate help and advice.

Arrange Callback
Personalised Debt Report
Usp Planner

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Debt Report
map pin


2 Bothwell Street, Glasgow, G2 6LU

The Team

Meet our qualified Scottish based team

100% Confidential Advice

Chelsea Williams David Tannock Sharon McDougall Square Kelly Jones

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

The Team

Meet our qualified Scottish based team

100% Confidential advice

Chelsea Williams Thomas Mckay Kelly Jones Tannock1


Additional Debt Advice

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners