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If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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PRA Group UK Debt Collectors

PRA Group UK Limited is part of PRA Group Inc, a group of debt collection companies based in the USA. As you might expect, PRA Group UK Limited is responsible for the company’s UK business. PRA Group UK Limited collects debts on behalf of a range of clients including financial institutions such as MBNA, Barclaycard, Lloyds, and other lenders.

Who is PRA Group Debt Collectors?

PRA Group UK Limited is part of PRA Group Inc, a group of debt collection companies based in the USA. As you might expect, PRA Group UK Limited is responsible for the company’s UK business. PRA Group UK Limited collects debts on behalf of a range of clients including financial institutions such as MBNA, Barclaycard, Lloyds, and other lenders.

PRA Group UK Limited claims to be a highly ethical company, that does not add interest to debts or collect from those who can’t pay.

Why is PRA Group Debt Collection contacting me?

PRA Group UK Limited buys debt off other companies, like the financial institutions mentioned earlier. If they have contacted you, it is because they’ve purchased a debt you owe to someone else. They pay less than the full value of the debt (sometimes as little as 20%) and in return, they become the owners of the debt and take action to collect as much of the money owed as they can.

PRA Group usually purchases debts once the account with the original creditor (for example the bank) has gone into default, meaning you haven’t made a payment on a debt for some time. The original creditor will usually make several attempts to contact you before selling debt to a debt collection firm like PRA Group UK Limited.

On some occasions, you might be contacted by another company about a debt PRA Group has purchased. This is because although PRA Group owns the debt, this other company is managing it for them (i.e. doing the work of trying to collect the money owed.) These companies include:

  • • Credit Security Ltd
  • • Brodies LLP
  • • Shoosmiths LLP
  • • Judge & Priestly LLP
  • • Phillip & Cohen Associates (UK) Ltd
  • • IND Ltd
  • • Wright Hassall LLP
  • • BDO
  • • Mazars

Are PRA Group Debt Collectors legitimate?

If you think there has been an error, it may be worth contacting the original creditor to check PRA Group Debt Collectors has the correct details. You can also ask PRA Group for a copy of your original payment. If they can’t provide this, you are not obliged to pay them.

If the details PRA Group hold are incorrect, or you don’t owe the money PRA Group are trying to collect, the next step would be to write a formal letter disputing the debt. You can ask our AI chatbot for help figuring out your options, and debtbuffer.com has a template for this type of letter.

Although errors can sometimes happen and it’s always worth checking the details, PRA Group is a legitimate company. They’ve been around for over 100 years, operating in multiple countries, and they say they only buy debt from reputable high street companies.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


What can PRA Group do?

PRA Group claims to follow a strict set of company values including respect, ethics and accountability. This means they shouldn’t overstep the boundaries of their remit, but it’s best to know what those are so you can ascertain if any lines are crossed.

PRA Group can send you letters, make phone calls including automated phone calls and send representatives to your home. That doesn’t mean you have to answer their letters, calls, or let them in.

There are strict limits on what PRA Group can do. They can’t talk to anyone but you about your debt. That means no family members who answer the phone, or colleagues if they call you at work. They can’t collect on a debt that is more than six years old. They cannot pretend to be calling from the court or to be a bailiff. They do not have the authority to force entry to your home or remove property.

Most importantly, if you feel harassed or threatened, you are within your rights to report PRA Group, or any other debt collector, to the police. If they’re calling you too often, or they speak to anyone but you about your debt, you may be able to report them to the Office of Fair Trading.

What do the reviews say about PRA Group Debt Collectors?

Debt collector reviews don’t tend to be very positive and claims of aggressive or intimidating behaviour are not uncommon. However, reviews call out a specific problem with PRA Group. They have been known to try and collect debts that have expired. If PRA Group has not started court action then most debts become unenforceable after six years, meaning they cannot force you to pay.

Debt Buffer can help inform you about the options available to you to deal with your debts. This includes writing letters to creditors that can ensure you’re treated fairly and buy you more time to pay. Take some time to look around the site, find the course of action that is right for you, and use our AI Chatbot to fo further guidance.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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