Receiving unexpected calls from numbers like 08081965550 can cause anxiety, especially when it’s from a debt collection agency like PRA Group. Understanding why they are calling and how to handle the situation is key to managing your financial obligations.
This number is used by PRA Group UK, one of the country’s largest and most active debt collection agencies, known for pursuing old and delinquent debts. While debt collectors have a legal right to recover debts, it’s important to verify their legitimacy and know your rights before taking any action.
Who is Calling from 08081965550?
PRA Group, also known as Portfolio Recovery Associates, is a significant player in the debt collection industry. They purchase delinquent debts from financial institutions at a discounted rate and then attempt to collect the full amount from the debtor.
They acquire portfolios of unpaid debts from banks, credit card companies, and other lenders, often for pennies on the pound. Once they own the debt, they legally have the right to pursue payment, but their approach can sometimes feel overwhelming.
Because PRA Group uses 08081965550 to contact debtors, it’s important to verify that the call is genuine. There have been cases of phone number spoofing, where scammers pretend to be legitimate agencies like PRA Group.
Why is PRA Group Contacting You?
PRA Group contacts individuals for various reasons related to unpaid debts. The most common reason is that you owe money on an account that has fallen behind, such as:
- Credit card debts
- Personal loans
- Overdrafts
- Store credit accounts
Sometimes, people are unaware that their debt has been sold to a collection agency, which can add to the confusion when receiving calls from PRA Group. Whether it’s a debt you’ve forgotten about or one that you thought was resolved, it’s crucial to approach these calls methodically. PRA Group is obligated to provide you with a proof of debt upon request, which is a detailed explanation of what you owe and to whom.
How PRA Group Acquires Debts?
Debt collection agencies like PRA purchase “charged-off” debts from creditors, often for a fraction of what is owed. PRA Group then assumes ownership of the debt and contacts the debtor to recover it. While this process is legal, it’s always wise to confirm that you actually owe the debt by requesting proof in writing.
What Should You Do If You Receive a Call from 08081965550?
When you get a call from PRA Group, the first thing to do is stay calm and take the following steps:
- Verify the caller’s identity: Ask them to confirm their name, company, and the reason for the call.
- Request a proof of debt: You have the legal right to ask PRA Group to send you documentation showing the amount you owe and how it was calculated.
- Keep records: Write down the details of the conversation, including the date, time, and what was discussed. If you feel harassed, having a record will help you in case you need to file a complaint.
- Do not make payments until you’re sure: Avoid paying anything until you have verified that the debt is legitimate and the amount is correct.
What Happens If You Ignore Calls from PRA Group?
If you choose to ignore PRA Group’s calls, the situation can escalate. They may continue to contact you through calls and letters, and if you don’t engage with them, they could take legal action. Here’s what might happen if you don’t respond:
- County Court Judgement (CCJ): If PRA Group is unable to resolve the debt through communication, they may apply for a CCJ, which can seriously damage your credit score. A CCJ is a legal order from the court that makes you liable for the debt. If you don’t pay, the court can enforce collection through wage garnishment or sending bailiffs to seize assets
- Bailiffs and legal enforcement: If a CCJ is issued and remains unpaid, PRA Group may apply for enforcement measures such as bailiffs visiting your home. They cannot seize items without a court order, but this can still be a distressing experience.
Risks of Ignoring PRA Group
Ignoring debt collection efforts is not a good strategy. Over time, the situation can worsen, leading to legal fees, interest, and potential damage to your financial stability. If you respond early, you might be able to negotiate better terms, such as reduced payments or an extended repayment period.
Statute-Barred Debt: Can PRA Group Still Collect It?
Debts in the UK become statute-barred after six years if no payment or written acknowledgment of the debt has been made during that time. Once a debt is statute-barred, PRA Group can no longer take legal action to recover it.
However, they can still attempt to collect it informally. If you believe the debt is statute-barred, you should notify PRA Group in writing. Just be cautious not to accidentally restart the clock by making a small payment or acknowledging the debt in writing.
How to Stop Calls from PRA Group (08081965550)?
If the calls become persistent or harassing, you can take steps to stop them:
- Request proof of debt: This often causes collectors to back off if they can’t produce valid proof.
- File a complaint: If PRA Group is harassing you, you can file a complaint with the Financial Conduct Authority (FCA) or the Information Commissioner’s Office (ICO) if they violate your privacy.
- Send a cease-and-desist letter: In cases of harassment, you can send PRA Group a formal letter requesting that they cease all contact unless they can prove the debt is legitimate.
How I Will Tackle a Phone Call from 08081965550?
If I receive a call from 08081965550, which is associated with PRA Group (a debt collection agency), here’s how I would handle it:
1. Stay Calm and Avoid Panic
First, I’d stay calm and remember that PRA Group is a legitimate debt collection company. If they are calling, it’s important not to panic or act impulsively. Ignoring calls or making hasty decisions could escalate the situation.
2. Verify the Caller’s Identity
I would ask the caller for their name, company, and reason for calling. I’d also note the time and date of the call, keeping a record for future reference.
Tip: Ask them to send the details in writing, especially the proof of debt if I’m not familiar with the debt. This ensures I have documentation in case of any future disputes.
3. Check if the Debt is Valid
Before making any payments, I’d verify whether the debt is legitimate. This can be done by requesting proof of debt, which PRA Group is legally obligated to provide. If they can’t supply documentation, I’d be cautious about proceeding with payments.
4. Evaluate My Options
If the debt is valid, I’d review my financial situation. Am I able to repay the debt in full, or do I need to negotiate a payment plan? I’d also consider consulting a debt charity or a financial advisor for guidance.
5. Exercise My Rights
I know that I have legal rights when dealing with debt collectors. If I feel harassed or believe that PRA Group is overstepping, I can file a formal complaint with the Financial Conduct Authority (FCA) or take legal advice. If necessary, I’d send a written letter requesting that they stop calling unless they provide written proof of the debt.
6. Explore Debt Solutions
If I’m struggling to manage the debt, I’d explore options like a Debt Management Plan (DMP), Debt Relief Order (DRO), or even a repayment negotiation directly with PRA Group. Seeking advice from charities like StepChange can help clarify my options.
7. Be Cautious of Scams
Lastly, I’d be mindful of potential scams. Debt collection is a common target for fraudsters, so I’d ensure that the caller is truly from PRA Group by cross-checking their contact details online and not giving out personal information until I’m certain the call is legitimate.
By following these steps, I can manage the situation professionally and avoid unnecessary stress or legal complications.
What Are the FAQs About 08081965550?
What should I do if I can’t pay my PRA debt?
If you’re unable to pay, contact a debt advice charity. They can negotiate on your behalf and help set up a manageable repayment plan.
Is PRA Group allowed to take me to court?
Yes, PRA Group can take legal action if you ignore their attempts to collect the debt. This may result in a County Court Judgement (CCJ).
Can I block calls from 08081965550?
You can block the number, but this won’t stop PRA Group from pursuing legal action if the debt is legitimate.
Is there a way to write off the debt?
In some cases, debt solutions like a Debt Relief Order (DRO) or Individual Voluntary Arrangement (IVA) can result in some of your debt being written off.
How long can PRA Group chase me for debt?
PRA Group can pursue the debt for up to six years. After that, it may become statute-barred unless you acknowledge it or make a payment.
Can PRA Group take money from my wages?
Yes, but only if they’ve secured a CCJ against you.
How do I know if 08081965550 is a scam?
Request written proof of debt. If they cannot provide valid documentation, the call may be a scam.
