Creditor, lender or debt-collection entity

PRA Group

Independent information on PRA Group UK, its legal identity, FCA status, complaints process and what to check if PRA Group contacts you about a debt.

If PRA Group contacts you, verify the account and original creditor before agreeing a payment arrangement. PRA Group’s official UK site identifies PRA Group (UK) Limited as FCA-authorised and regulated under reference 718645 and provides direct contact and complaints routes.

What role does PRA Group have?

Debt servicer · Debt collector

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

PRA Group is a trading name of PRA Group (UK) Limited. Its official website gives company number 04267803 and states that PRA Group (UK) Limited is authorised and regulated by the FCA, reference number 718645.

PRA Group’s official UK website states that PRA Group (UK) Limited is authorised and regulated by the Financial Conduct Authority with reference number 718645.

Contacting PRA Group

Use PRA Group’s official UK contact page or details on the correspondence you received. Do not rely on bank or payment details reproduced by unofficial sites.

If you want to complain

PRA Group publishes a complaints route by form, telephone, post and email. Its complaints guidance explains that eligible unresolved complaints may be escalated to the Financial Ombudsman Service.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with PRA Group. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.