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PRA Group UK Debt Collection

More often than not, when you’re contacted by a debt collection agency, your first feeling is one of panic.

Having a debt passed from your original lender to an agency specifically designed to recover the money, adds a further level of pressure to an already troubling situation.

However, a debt collector, unlike a bailiff, doesn’t have any extra power or special rights compared to your original lender. Only a bailiff can remove valuables or belongings to sell toward paying for what you owe.

Do any of this sound familiar?

  • Have you received a letter from PRA Group about the money you owe?
  • Have you missed payments on bills, loans or credit cards?
  • Would you like to know more about your rights, the debt collectors’ rights, and what your options are?

If you’d like to know more about any of the above, we’re here to help. You will find a host of information about PRA Group UK below including their current contact details.

PRA Group UK contact details:

Company Name: PRA Group (UK) Ltd.

Other Names: PRA, PRA Group, Aktiv Kapital, Aktiv Kapital UK Ltd., Mackenzie Hall, Mackenzie Hall Debt Collectors

2 The Cross

Main Contact Number(s): 0800 877 2772

Fax: 0845 280 1776

Text: 07860 094994



Other phone numbers that they might use to contact you:

033 006 63689, 0203 368 3062, 0203 368 3174 or 0800 877 2772

Opening Hours:

Monday–Thursday: 8:00am–8:30pm
Friday: 9:00am–5:00pm
Saturday: 8:00am–2:00pm

Why choose Talk About Debt?

  • Write off unsecured debt over £6,000
  • Stop interest and charges soaring
  • Reduced payments from £100 per month

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Who is PRA Group UK?

PRA Group Ltd. is one of the UK’s largest debt collection agencies. They are a secondary part of PRA Group, Inc. who operate throughout Europe and the Americas employing over 5,000 people.

PRA buy large numbers of problem debt accounts from major banks and finance companies, usually after they have defaulted.

They stick to to the Credit Services Association Code of Practice and are regulated by the Financial Conduct Authority.

Why would they contact you?

If you’ve failed to keep up with your payments for a bank loan, credit card, or have fallen behind on any other credit agreement, then PRA could have bought that debt from your original lender.

Because they now own the account, it’s up to them to retrieve what you owe by whatever means they have available. The difference between PRA Group and your original lender is that they have more resources and will go to more effort to recover the money.

Your first introduction will usually be by letter, followed up a few days later with a phone call. They may also email, text or visit you at your home or place of work.

Do you owe PRA Group money?

If you recognise the account and you still owe the money, it’s important to work with PRA Group to find a solution that suits you both, to repay what you owe. If you don’t, they have the power to issue court proceedings, to force you into action.

If you’re not in a position to cover the suggested repayments, you should be able to negotiate. You should never be expected to pay what you can’t afford.

However, if you don’t think the debt is yours to repay, then you need to present proof to have it cancelled or removed.

How we helped Sarah

The process was really clear and the team explained everything that I needed to know in order to make the right decision. They were very understanding and made me feel at ease”

Sarah, London

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How old is the debt they are collecting?

If you’d forgotten about the account because you hadn’t made a payment or made contact with your lenders for a long time, the debt may have expired.

Debts of over a certain age can be statute-barred. This means that they’re old enough to be cancelled.

The time limit, 5 years in Scotland and 6 years in England, starts from when you made your last payment or the last time you made written contact with your lender, that showed you were responsible for the money.

If you think your debt might be statute-barred, it’s important to flag this. If it turns out not to be, then TAD can help you understand your options and your next best step to having it removed or into repaying it.

Is PRA Group treating you unfairly?

There are laws to govern what debt collectors are and aren’t allowed to do to recover the money you owe, including:

  • Calling at unsociable times
  • Calling you at work after you’ve asked them not to
  • Recommending that you take out even more credit to pay off what you owe them
  • Harassment
  • Bullying
  • Not fully explaining your rights
  • Confusing you to add pressure to make you pay what you can’t afford

It’s the Financial Conduct Authority’s job to make sure you get the correct treatment and to bring any agency breaking the rules to justice. In some cases, you could even be due compensation.

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Managing your debt

We deal with debt collectors like PRA Group every day. We understand their processes and the methods they use to get you to pay what you owe.

Wherever we can, we want to help remove any unnecessary pressure and stress from the situation. We’re here to help you take control of your budget—to understand the many issues and causes of debt, how to avoid them, and how to resolve problem situations whenever the need arises.

Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

Talk About Debt is not associated with PRA Group or any of the agencies in our debt collection agency and bailiff directory.