08081965550 | Who Called Me From This Number?

Receiving a call from an unfamiliar number can be unsettling, especially when it comes from 08081965550. If you’ve recently been contacted by this number, you might be wondering who is calling and why.

Could it be an important message, a routine inquiry, or something more concerning? Many people across the UK have reported receiving calls from this number, raising questions about its purpose.

Before you decide whether to answer, ignore, or block it, it’s important to understand who might be behind the call and what actions you should take next. Let’s explore the details and find out more.

What Is 08081965550 and Who Does It Belong To?

The phone number 08081965550 is associated with PRA Group (UK) Limited, a well-known debt collection agency that operates across the UK.

They specialise in purchasing and recovering unpaid debts from various financial institutions, utility providers, and telecommunications companies.

If you have received a call from this number, it means PRA Group is likely attempting to contact you regarding an outstanding debt they have acquired.

Understanding who they are, why they are calling, and how to contact them directly can help you manage the situation effectively.

Who Is PRA Group (UK) Limited?

PRA Group is a debt purchasing company that buys unpaid debts from banks, credit card companies, loan providers, and utility firms.

Once they acquire a debt, they become responsible for collecting it, either by contacting the debtor directly or through legal means.

They operate under strict regulations from the Financial Conduct Authority (FCA) and must follow UK laws regarding debt collection practices.

Their primary goal is to recover money owed to original creditors while offering repayment solutions to individuals who may be struggling with their financial obligations.

PRA Group Collection Contact Details

If you need to verify the legitimacy of a call from 08081965550 or want to contact PRA Group directly, here are their official contact details:

Company Name: PRA Group (UK) Limited

Registered Address:

HALO Enterprise and Innovation Centre,
Hill St,
Kilmarnock,
Scotland,
KA3 1HA

Phone Numbers:

• Customer Service: 0800 877 2772
• Debt Collection Contact: 08081965550

Website: www.pragroup.co.uk

Opening Hours:

• Monday – Thursday: 8:00 AM – 8:00 PM
• Friday: 8:00 AM – 6:00 PM
• Saturday: 8:00 AM – 12:00 PM
• Sunday: Closed

If you are receiving calls from 08081965550 and wish to clarify why they are contacting you, you can reach out to them during their business hours.

Which Companies Work with PRA Group?

Many well-known companies sell their outstanding debts to PRA Group, including:

• Banks and Financial Institutions – Barclays, HSBC, Lloyds, NatWest
• Credit Card Companies – Barclaycard, MBNA, Capital One
• Telecommunications and Utility Providers – SKY, Vodafone, EE
• Loan and Insurance Providers – AA, Santander, Halifax

If you have an unpaid balance with any of these companies, PRA Group may have acquired your debt and is now attempting to collect payment.

How PRA Group Communicates with Debtors?

PRA Group contacts individuals through multiple channels, including:

• Phone Calls – You may receive calls from 08081965550 or other PRA Group numbers regarding an unpaid debt.
• Letters – They typically send formal letters requesting payment or informing you about your debt status.
• Emails – If they have your email address, they may contact you with account details or payment options.
• Text Messages – Some individuals report receiving SMS reminders about outstanding balances.

If you are unsure about any communication from PRA Group, it is always best to verify their contact details by checking their official website or calling their customer service number directly.

Why Did PRA Group Call Me?

If you’ve received a call from PRA Group, it’s important to understand why they are contacting you and what steps you should take. PRA Group is a debt collection agency that purchases unpaid debts from various companies and attempts to recover the outstanding balance from the debtor.

Here are the main reasons why PRA Group might be calling you:

1. They Have Purchased Your Debt

One of the most common reasons PRA Group is calling you is because they have purchased your debt from another company. Many banks, credit card companies, utility providers, and loan companies sell unpaid debts to third-party agencies like PRA Group.

If you have an outstanding balance with a company such as Barclays, Barclaycard, SKY, EE, or AA, your debt may have been transferred to PRA Group, and they are now responsible for collecting the payment.

How to verify this:

• Check any old financial statements or emails to see if you have an outstanding balance.
• Ask PRA Group to send you a debt validation letter that confirms details of the debt, including the original creditor.

2. They Are Trying to Verify Your Identity

Debt collection agencies must follow strict UK regulations, which require them to verify they are speaking to the right person before discussing financial matters.

If PRA Group has contacted you, they might be calling to confirm your identity before providing details about the debt.

What they may ask for:

• Your name and address
• Date of birth
• Reference number (if they have sent you a letter)

What you should NOT provide immediately:

• Bank account details
• National Insurance number
• Any payment details before confirming the legitimacy of the debt

If you are unsure about the legitimacy of the call, ask PRA Group to send you written confirmation before continuing the conversation.

3. They Want to Discuss a Repayment Plan

If you have an outstanding debt, PRA Group may be calling to discuss repayment options. They typically offer different ways for you to settle the debt, such as:

• Full repayment – Paying off the debt in one lump sum.
• Instalment plans – Spreading the payment over a period of time.
• Settlement offers – Sometimes, PRA Group may agree to accept a lower amount to settle the debt.

Before agreeing to any repayment plan, ensure you:

• Verify the total amount owed.
• Request details of any interest or fees applied.
• Seek financial advice if you are struggling to pay.

4. They Might Have the Wrong Contact Details

Debt collection agencies sometimes call people in error due to incorrect or outdated contact details. This can happen if:

• Your number was previously associated with someone else who owed money.
• A clerical mistake linked your information to a debt that isn’t yours.
• The original creditor provided inaccurate data.

What you should do:

• Politely inform them that you are not the person they are looking for.
• Ask them to remove your number from their database.
• If they continue to call, you can report them to Ofcom for nuisance calls.

5. They Are Following Up on a Previous Contact

If PRA Group has previously sent you a letter, email, or text message, they may be calling to follow up on the communication.

• They may be reminding you about an overdue payment deadline.
• They might be checking if you received their letter or email.
• They could be requesting further information regarding your financial situation.

If you have received a “Letter Before Action” or “Notice of Debt Collection”, it is important to respond promptly to avoid further legal steps.

6. They Are Informing You of Legal Action

In some cases, PRA Group may call to warn you about possible legal action if a debt remains unpaid. While they cannot send bailiffs without a court order, they can take legal action if:

• The debt is still enforceable (not statute-barred under the Limitations Act 1980).
• They have already sent multiple warnings about non-payment.
• You have not responded to previous contact attempts.

If you receive a call about potential legal action, consider:

• Checking if the debt is statute-barred (over six years old and no payments have been made).
• Seeking professional debt advice from StepChange or Citizens Advice.
• Responding to any court claims promptly to avoid a County Court Judgment (CCJ).

Is 08081965550 a Scam or a Legitimate Debt Collection Agency?

PRA Group is a legitimate and regulated debt collection agency. However, since debt collection is a common area for scams, it is crucial to be able to distinguish between a genuine collection call and a fraudulent attempt.

How to Identify a Scam Call vs. a Genuine Debt Collector:

If you are unsure whether the call is genuine, ask the caller for a written confirmation of the debt before making any payments.

What Should You Do If You Receive a Call from 08081965550?

If you receive a call from PRA Group, consider taking the following steps:

• Do not share any personal or financial details immediately – First, verify the legitimacy of the call.
• Request a written notice detailing the debt before discussing payment options.
• Check your financial records to confirm whether the debt belongs to you.
• Understand your rights – Debt collectors must follow UK regulations and cannot harass or threaten you.
• Seek financial or legal advice if you are unsure how to proceed.

If the debt does not belong to you, inform PRA Group and request that they remove your contact details from their records.

Should You Call Back 08081965550?

Before calling back, consider:

• If you recognise the debt, contacting PRA Group may help you discuss repayment options or dispute the debt if necessary.
• If you are unsure whether the debt is valid, request written confirmation before engaging in further discussions.
• If you do not owe any money, it is best to avoid returning the call and instead report the issue to the relevant authorities.

How Can You Stop 08081965550 from Calling You?

If you no longer wish to receive calls from PRA Group, you have several options to stop them from contacting you:

• Send a written request asking them to communicate with you only in writing. Debt collection agencies are legally required to respect this request.
• Register with the Telephone Preference Service (TPS) to reduce unwanted calls.
• If PRA Group continues to call despite your request, consider reporting them to Ofcom or the Financial Ombudsman Service.

Under UK law, debt collectors cannot harass you with repeated or excessive calls. If you believe PRA Group is violating these regulations, you can take legal action.

How Can You Block 08081965550 on Your Phone?

If you want to prevent PRA Group from contacting you through 08081965550, you can block the number on your mobile device.

Blocking 08081965550 on iPhone:

1. Open the Phone app
2. Go to Recent Calls
3. Find 08081965550
4. Tap the info (i) icon
5. Select Block this Caller

Blocking 08081965550 on Android:

1. Open the Phone app
2. Locate the number 08081965550 in your call log
3. Tap Block/Report Spam

Using Call-Blocking Apps:

If PRA Group contacts you from multiple numbers, you may consider using call-blocking apps such as:

• Truecaller – Identifies and blocks spam calls
• Hiya – Provides fraud detection and call-blocking features
• Mr. Number – Allows users to block known debt collection numbers

How Do You Report Unwanted Calls from 08081965550?

If you believe PRA Group is harassing you or calling you in error, you can report them to the appropriate authorities:

• Ofcom – If the calls are excessive or considered nuisance calls (www.ofcom.org.uk)
• Action Fraud – If you suspect that the call might be a scam (www.actionfraud.police.uk)

Keeping a record of the calls, including dates and times, can help strengthen your complaint if legal action becomes necessary.

How Can You Protect Yourself from Unfair Debt Collection Practices?

Debt collectors in the UK must follow Financial Conduct Authority (FCA) guidelines, ensuring fair treatment of consumers.

However, some agencies may still use unethical tactics to pressure individuals into making payments.

To protect yourself from unfair debt collection practices:

• Always request written proof of the debt before making any payments.
• Do not share personal or financial details unless you have verified the caller’s identity.
• Know your rights – Debt collectors cannot threaten, harass, or mislead you.
• Seek financial advice if you’re struggling with debt – Free services like StepChange and Citizens Advice can help.

If you feel that PRA Group is violating your rights, you can file a complaint with the Financial Ombudsman Service for further assistance.

Conclusion

If you receive a call from 08081965550, it’s likely from PRA Group Debt Collectors regarding an outstanding debt. Before taking any action, verify the debt, understand your rights, and explore your options.

If the debt is valid, you may be able to negotiate a repayment plan. If the calls are unwanted, you have legal protections to stop them.

FAQs About 08081965550

Is PRA Group legally allowed to collect debt in the UK?

Yes, PRA Group is regulated by the Financial Conduct Authority (FCA) and is legally allowed to collect debts.

What should I do if PRA Group contacts me about an old debt?

Check if the debt is statute-barred (over six years old). If it is, PRA Group may not be able to enforce it in court.

Can I ignore calls from 08081965550?

You can, but if the debt is legitimate, ignoring calls won’t make it disappear.

How do I check if I actually owe money to PRA Group?

Request a debt validation letter and check your financial records.

Are there legal protections against debt collection harassment?

Yes, debt collectors must follow FCA guidelines and cannot harass or threaten you.

Can PRA Group take me to court over unpaid debt?

Yes, if the debt is valid and unpaid, PRA Group can pursue legal action.

How can I negotiate with PRA Group to settle my debt?

You can ask for a repayment plan or offer a full and final settlement if you’re unable to pay in full.