PRA Group UK Reviews 

Thanks to Lewis for helping get my payment set up really understanding and reassuring, top man I must say

I had a debt transferred to PRA around 10 years ago, and throughout that time I was always treated with kindness, understanding, and respect.
For the last three years, I was only paying £1 per month due to my circumstances, and PRA never pressured or harassed me. The only contact I received was a polite monthly email reminding me of my outstanding balance. I hadn't needed to speak to anyone in years because they respected our arrangement.
Although I was frustrated that it took me so long to clear the debt, every member of staff I dealt with was professional, patient, and supportive. We eventually agreed on a settlement, which I was able to pay.
Thank you to everyone at PRA for treating me with dignity and compassion throughout the entire process. It made a difficult situation much easier to manage.

Considering it’s a difficult topic and time for me in general Sue was lovely and super helpful , not a bad word to say about her

I sent this company emails making offers without prejudice. These offers were very quickly accepted with an agreement from them to me as follows "Paying these amounts will be accepted as a full and final settlements on the accounts, which means, once we’ve received your payments, your accounts will be closed and we will not contact you again about them."
So, as I have been suffering severe mental health issues over these alleged debts, a third party offered to pay the amounts. Within 1 hour of receiving an agreement for 3 accounts, the agreed amounts were paid in full.
I wrote an email to ask them for confirmation of receipt, and mentioned that this was hopefully going to be a relief to severe mental health issues caused by the alleged debts, and I was happy for it to be closed.
Instead of receiving an acknowledgment of receipt, what I got was an email to say they were placing my account on hold for 30 days. I'm thinking yesterday, OK, it's over, move on, today I am thinking "why on earth did I even communicate with these people?" What was the point other than to give them money?
So, I have written to them again, asking them to close the accounts, send confirmation, then leave me alone...
Before you write back on here, telling me to get into contact with you. NO!! read the room, I don't trust you, I don't want to speak to anyone because I won't believe you. The next time we talk will be litigation. I am just doing what you requested, and leaving a review of my experience which if I could go back in time would be this.

Do NOT engage with them.
Do Not trust them.
Do Not offer them any money.

I think it takes a very special kind of person to hound people for money, to ignore the stress it causes, and to maybe even hope it results in the worst case scenario...
Reading responses to other 1 star reviews (always look at the 1 star reviews on ANY company as they are not encouraged or paid for), you say "excellent customer relations" absolute hogwash. You know what you are!

A delightful lady named sue took my call today, very compassionate and concerned about my situation and my health concerns following a traffic accident. It was very nice to feel heard and understood. Phenomenal customer service an example has been set for the gold standard of customer service.
Happy to listen to my concerns and my situation in order to get the best resolution for both parties.

Very professional staff and understanding in all ways . It’s refreshing that people have a facility like this with positive outcomes. Recommended to all

Abi Fedigan was the most understanding and problem solving team
Member I have spoke with at PRA . She solves my issues rather than creating more ans I’m very grateful for her kindness understanding nature. Thankyou for being so efficient .

This company has been harassing me for a long time. Leaving voice mails, sending messages. You would think by now they would have got the message that I am not interested and never will be. I have sent a complaint to tell them to stop harassing me. If they don't, I will report to the financial ombudsman.

I had to enter a DMP which will be paid off completely in 3 months.

Unfortunately PRA choose to report a default for the starting balance for every month of the DMP despite never missing a payment and the balance steadily reducing. Other lenders in my DMP reported as a DMP rather than a default and reduced the balance to accurately reflect the payments made each month.

Unsure why they choose to put it on your report in the worst way possible.

Not updating balances after receiving monthly payments through StepChange.

PRA Group UK as the legal owners of my debt outsourced it to Wescot without informing me. Regardless, of the outsourcing, Wescot has received a monthly sum of £419.86 through my StepChange debt management plan. Despite this, no payment transactions have been updated on my PRA Group account since March 19th 2026

I contacted Wescot who initially claimed that they no longer managed the debt and PRA Group UK had resumed management. Two days later, I phoned again, Wescot were handling the debt but were experiencing a “system error” with no timeline that they could provide when it would be resolved.

Wescot confirmed they had received three instalments totalling £1259.58 and not returned this to StepChange. StepChange confirmed no money had been returned. They could not confirm my balances and as such I can’t ensure my last StepChange payment next month covers the remaining balance of the debt.

Both PRA Group UK and Wescot have been contacted and still open their responses with balances that are three months out of date and do not show the last three payments.

Both PRA Group UK the legal owners of my debt and Wescot the company they outsourced it to are culpable for their inability to resolve this.

If not resolved - I will be reporting them to the Financial Ombudsman Sevice. As a company with a system error covering a quarter of a financial year are not fit to be trading or chasing other people for their debts.

Honestly I am struggling so much with my bills debts and everything and this lovely women Melissa who I was working with was so polite kind and very informative she got straight to the point but made me feel safe in my financial burden honestly great group if that's there staff give her a raise as she will do wonders for your company

PRA Group is an absolutely awful company to deal with. We understand a debt is owed, but their complete lack of basic human decency is despicable. My husband is currently very ill with a life-limiting condition and severe mental health struggles. While other creditors have shown empathy and paused collections, PRA Group acts like a dog with a bone. They keep prodding, hounding, and questioning everything.
Their aggressive tactics cause severe psychological distress. When you are dealing with people in desperate situations, you need to be ethical - their pressure is enough to make vulnerable people consider the kind of action nobody should feel like taking.
The positive reviews on here don’t look genuine at all. Read all the negative ones to get the true picture.
If you are dealing with them, I am so sorry. Please know your rights, don't let them bully you, and look up Martin Lewis/MoneySavingExpert or StepChange for support.

In support of my earlier positive review last week was copied into emails this week from Allana who off her own back went over and above contacting the courts to push through my paid off CCJ for deletion. Exactly 7 days later after full payment it was removed and my score jumped +80 points and is no longer on my record. Cannot put into words how grateful I am to you that my credit score has been restored to full health. PRA UK went from chasing me for money to chasing the courts on my behalf - outstanding customer service!!!

I was in a bad financial situation after a divorce and through my own fault I got into debt pra were always understanding and when I couldn’t make a payment they talked me through my options I also like the fact you can contact them
Online as sometimes I didn’t want to speak to anyone I am now debt free and feel
Like I have my life back

Spoke to Laura tonight to set up a payment plan and her manner completely put me at ease. She was professional yet friendly, explained everything clearly, answered my questions and set everything up quickly.

Even though we pay this company every month we are hounded on a daily basis . Going to report company to financial ombudsman. What more do they want blood.

To the point and did what I asked, I advised Natalie I'm moving into a house so unable to stick to arrangement, completely non judgemental and processed a hold immediately, please pass on this feedback to Natalie as she's doing an awesome job.

Please don’t pay these fools, they have been chasing me for years for a debt of £500 and can’t tell me who the debt is from. They sent me to opos who came to my door and tried to threaten me into paying it. I told them to take me to court which they can’t because it’s a load of rubbish. They’re now threatening to transfer me to their investigations and litigation department. If I don’t contact them within 30 days they might start court proceedings. Have fun with that, you can’t even say who the debt belongs too. I won’t be paying, so let’s have a laugh together. Remember if the debt is over 6 years they can’t do anything, so let them get on with it.

I spoke with Laura & she was nothing but professional and sensitive to my individual situation. Real asset to your company for making me feel at ease throughout our conversation.

Overall, I’m not really a fan of debt collection groups (who is?), and I don’t particularly like how every call is from an automated machine, asking me to wait, and leaving me lots of voice messages.

But on the positive side, I’ve just spoken to a very helpful and friendly person called Laura, couldn’t have had a better person to speak to. And clearly made an impression as I never write TrustPilot reviews, so thank you Laura 🙌