Frequently asked questions
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Co-operation with PRA Group
Have you been contacted via telephone? Talk to our representative and agree on the most favourable settlement and repayment plan together. Have you received a letter, text message or email? Contact us at: (+48) 22 276 66 88 (Mon-Fri: 8:00-20:00, the cost of the call is as per the operator’s tariff). You may also take advantage of the Live Chat with our consultants. To start a conversation, click the Live Chat button on the right, enter your full name and then click Start Chat button.
You can contact us by phone at (+48) 22 276 66 88 (Mon-Fri: 8:00-20:00, the cost of the call is as per the operator’s tariff), via post to our mailing address: ul. Prosta 68, 00–838 Warszawa or by e-mail: email@example.com. Please also feel free to use the Live Chat with our consultants. In order to start a conversation, click the Live Chat button visible on the left, enter your full name and click the Start Chat button. You may also use a contact form available on our website.
If you think that we have contacted you by mistake, call us on (+48) 22 276 66 88 or start a Live Chat with our consultant. We will try to clarify the situation immediately.
The Customer Website provides its users with 24/7 access to detailed information about their debt and enables them to manage their liabilities independently. The users may arrange and implement the most convenient repayment plans without even leaving their homes using PayU (Blik, pay card, Google Pay). All such repayments will be credited on relevant accounts in real time.
Repayment of your debt
The fastest way to pay is to sign in to the Customer Website and make an online payment via PayU: bank transfer, BLIK, bank card or GooglePay.
Payment can also be made to your individual account number assigned to your case. If you have not yet been advised about your individual account number, feel free to contact us by phone or start a Livechat with our representative. After verification you will get all the necessary payment details and a PayU link for online payment.
To transfer funds from your foreign account, please supplement the individual or general bank account by the relevant IBAN code of the transfer recipient, i.e. “PL”. Additionally, BIC / SWIFT of the transfer recipient will be required. All international payments transferred in favour of PRA Group Polska should contain the following BIC / SWIFT code: BREXPLPWMBK
You are offered a possibility of repaying your debt in an affordable manner and within convenient timeframes. If the settlement agreement is in force, and if repayments are made on time, no further interest will accrue on your debt, and your entry into BIG Debtor Database will be suspended. More over, the creditor will not take any further debt collection efforts.
The economic information bureau [BIG]
The Economic Information Bureau (BIG) collects, stores and shares economic data on debtors provided by creditors. The BIG carries out its operations based on the Act on Sharing of Business Information and Exchanging Business Data of 9th April 2010 (Journal of Laws of 2014, item 1015). Any debtors entered into BIG databases experience obstacles or may be prevented from getting new credits, loans, or entering into hire purchase transactions or benefitting from factoring, leasing, telecommunications and multimedia services, real estate rental, etc. or entering into any other civil law contracts with other entrepreneurs. PRA Group Polska cooperates with several Economic Information Bureaus.
The Credit Reference Agency (BIK) oversees collecting, compiling and sharing credit history data of customers of banks, credit unions and lending companies. The BIK operates based on the Banking Act. PRA Group Polska does not transfer any data to BIK and hence cannot request removal of any data from such database.
Pursuant to the relevant Act on Sharing of Business Information and Exchanging Business Data of 9th April 2010, governing the operations of economic information bureaus, the following types of debtors may be entered into BIG databases: 1) consumers(natural persons) whose total amount of debt owed to a single creditor is at least PLN 200, and delay in repayment has exceeded 30 days, and who were notified by the creditor of his/her intent to reporting them into BIG database at least 30 days ago; 2) non-consumers (i.e. natural persons engaged into a business activity, legal entities or organisational units without legal personality), whose total amount of debt owed to a single creditor is at least PLN 500, and delay in repayment has exceeded 30 days, and who were notified by the creditor of his/her intent to reporting them into BIG database at least 30 days ago.
Read the notice carefully. If you think you are unable to repay your liability instantly, make a settlement with us. If you enter into a settlement agreement with us, and if repayments are made on time, no further interest will accrue on your debt, and your entry into BIG Debtor Database will be suspended. Otherwise, being reported into BIG Database may prevent you from: obtaining credits, bank loans, using credit cards, borrowing funds from lending companies, concluding hire purchase contracts and signing service agreements with mobile phone, Internet and other utilities’ providers.
Your entry in the Debtors’ Register will be deleted if your overdue debt has been settled in full, or upon submission of a notice confirming repayment, expiration or nonexistence of your liability, or in other circumstances referred to in Article 31 of the Act on Sharing of Business Information and Exchanging Business Data of 9th April 2010.
Complaints may be submitted by customers or other persons who have any reservations concerning contacts with PRA Group Polska or other activities on the part of our company. In order to make a complaint regarding your case or any actions undertaken by us, please send a letter of complaint by post to: PRA Group Polska, ul.Prosta 68, 00-838 Warsaw or via e-mail: firstname.lastname@example.org.
We make our best efforts to process all complaints as soon as practicable, and not later than within 30 days from the date of receipt thereof, acting in accordance with the Good Practices defined by the Polish Financial Companies Association (ZPF). If providing a reliable answer is impossible and, in particular, if it depends on provision of any third-party information, we will notify you in writing or by e-mail about the new deadline, which, however, should not exceed 60 calendar days from the date of receipt of your complaint. We will reply to your complaint either by letter, or via e-mail.
Judicial proceedings and debt collection
No, it is not. Enforcement proceedings may be discontinued by a bailiff if at a given point of time, the debtor does not possess any assets which could be effectively used in the debt collection process. Despite discontinuation of debt enforcement proceedings, the debt still exists and the creditor may take further steps in order to regain his property such as e.g. resuming enforcement proceedings in the future
If in his motion for enforcement proceedings, the creditor indicated several modes of debt collection, the bailiff will be obliged to identify assets which may be efficiently used for debt enforcement. The bailiff may simultaneously seize the debtor’s bank accounts and his/her salary/retirement pension. If enforcement from one part of the debtor’s assets is sufficient to satisfy the creditor’s claims, the debtor may request discontinuation of enforcement from the remaining part of his/her assets.
The suspension of proceedings does not imply discontinuation thereof. As a principle, any seizures already made will not be reversed.
A seizure of the real estate is written debt collection notice requesting the debtor to repay his/her debt under the pain of its enforcement from the real estate indicated by the creditor. The debtor will be given 2 weeks’ repayment deadline following the receipt of such notice. At the same time, the bailiff will file a request with a competent court in order to record such debt collection procedure in the Land and Mortgage Register. Such entry will be made in Section III of the Register. Then the real estate in question must be described and its value must be assessed. Such activities will be performed by the bailiff after ineffective lapse of the 2 weeks’ repayment deadline prescribed in the notice. Only such real estate which has been seized and assessed by the bailiff may be sold at an auction.
The owner of a real estate which serves as a collateral for a mortgage loan is regarded by the creditor as a ‘debtor in kind’ who is in charge for the liability up to the value of a given collateral item (and in the case of a real estate, up to the value entered in Section IV of the Land and Mortgage Register). As a consequence, the creditor may claim his/her receivables from the collateral item (i.e. real estate) up to the amount entered in the Land and Mortgage Register.
A third party who has acquired a real property at no charge (usually by way of donation or purchase at a highly reduced price) should be aware of the fact that the creditor of the real property’s seller may demand rendering such real property purchase/donation agreement as ineffective. Should the creditor obtain a final court decision invalidating the agreement which transferred the title to the real property, debt enforcement from such real property may be commenced, even if the property owner does not have any debt to the creditor.
Processing of personal data
All information on the processing of your personal data and applicable data processing regulations have been specified in the information clause on our website. The document can be reviewed at: https://en.pragroup.pl/information-on-processing-of-personal-data/
We will be capable of keeping in touch with you only if we have your valid contact details. Our consultants will help you to verify the current status of your case and find the best way to get rid of your debt. Moreover, you will also receive text messages and e-mails reminding you about the upcoming payment deadlines.