• Skip to primary navigation
  • Skip to main content
  • Skip to footer
Logo
  • About Us
  • Home
  • Debt Purchasers
    • Arrow Global
    • Cabot Credit Management Group
    • Hoist Finance UK
    • Idem Capital Securities
    • Intrum UK Finance
    • Lowell Portfolio
    • PRA Group
  • Holiday Refunds
  • News Blog
  • Notable Cases
  • Links
  • Guides
  • Pricing
  • Contact Us
    • Your Secure Documents

PRA Group

PRA Group

PRA Group (UK) is one of the UK’s largest debt collection companies, a subsidiary of PRA Group Inc., a USA company. which employs over 5,000 staff across Europe and America. Their registered office is in Bromley, Kent.

PRA Group (UK) Limited specialise in purchasing large numbers of consumer credit accounts from major banks, such as MBNA, Barclays Bank, Lloyds Bank, Royal Bank of Scotland as well as finance companies.

Like most debt purchasers, PRA Group (UK) Limited claim to help you to manage your debt through affordable repayments, and to support you through the process.

In common with most debt purchasers, their real aim is to maximise their investment in the debts they purchase. To this end, they will sometimes accept repayment plans, but may require proof of your income and expenditure before agreeing terms. Be aware, however, that these plans are usually informal and can often be reviewed or revised, usually every 6 months. A repayment plan does not stop PRA Group (UK) Limited from issuing a claim.  We have many clients who have had court proceedings issued against them while they are in such repayment plans.

If your debt has been bought by PRA, you may be contacted by one of the following companies, all of whom manage debts for PRA

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

 

PRA say on their website that where a debt is unenforceable under the Consumer Credit Act 1974, they cannot secure a County Court Judgment (CCJ) against you. This is not our experience as we have acted for clients in cases where PRA has obtained a CCJ against the client on credit agreements that are unenforceable while they were a litigant in person or by default.  Once we became involved the CCJ’s were either set aside or successfully appealed.

 

If you have received a letter of claim or a County Court Claim from PRA Group (UK) Limited  or they have obtained a default judgment against you, we can advise you how to proceed, or we can act for you. These claims can be defended.  Our view is that these companies once they issue county court proceedings must show us and the courts that they have complied with the statutory requirements of the Consumer Credit Act 1974, the Financial Services and Markets Act 2000 (FSMA) and the Law of Property Act 1925.  If they have not, then they are not legally entitled to enforce these debts. We defend all cases vigorously with a near 100% success rate.

Contact us at gerry@joannaconnollysolicitors.co.uk  or telephone 0151 254 6980.

Footer

Joanna Connolly Solicitors

We specialise in consumer credit, with many years of experience, and unparalleled success in this complex field. We offer friendly help and advice, with affordable fixed fees. Unlike most solicitors, we never act for banks and lenders.

  • Experts in our field
  • Approachable and friendly
  • Fixed fees

Contact Us

  • 33 Cheadle Ave, Liverpool, L13 3AE
  • 0330 053 9340
  • Monday-Friday 9.00-17.00
  • enquiries@joannaconnollysolicitors.co.uk

If you are a client and we have made a contract with you by electronic means you may be entitled to use an EU online dispute resolution service to assist with any contractual dispute you may have with us. This service can be found at https://ec.europa.eu/odr. Our email address is enquiries@joannaconnollysolicitors.co.uk.

Connect With Us

  • Facebook
  • LinkedIn
  • Twitter

SRA Badge

Find Us

Privacy Policy | Copyright © 2021 · JCS Law Ltd trading as Joanna Connolly Solicitors · co registration number 12063047 · Registered address 33 Cheadle Avenue · Liverpool · L13 3AE · Authorised and regulated by the Solicitors Regulation Authority of England and Wales with registered number 660122
Created and hosted by LEAP · Log in

This site tracks visits anonymously using cookies. Close this dialogue to confirm you are happy with that or find out more in the Privacy Policy. Agree and close
Privacy & Cookies Policy
Necessary
Always Enabled