What we do

Whatever your requirements, we have the passion and ability to tailor our services according to your needs, coupled with the best technology to fit your requirements on time, every time.

In these challenging times we take pride in our work and how we deal with people from all walks of life. We are professional and easy to deal with and we have developed our own set of values that guide us in how we communicate with account holders.

• We treat account holders as we would expect to be treated ourselves
• We listen to account holders so that we can understand their circumstances and perspective
• We will not put undue pressure on account holders either financially or emotionally
• We aim to identify vulnerable account holders and deal with them compassionately

Our client dedicated teams work as an extension of your business and know your products and objectives. This ensures that we remain at the forefront of all our clients league tables.

Your tailor made team will:

• Understand your expectations and give their best to achieve excellence in everything they do
• Be first to meet your needs by keeping their promises on time, every time
• Treat your reputation as if it were their own by acting honestly and with integrity at all times
• Be passionate for results and show pride, enthusiasm and dedication in everything they do.

In short, our values deliver the right results.
trace & collect
We work both in the spirit and to the letter, in full compliance of the Credit Services Code of Practice and OFT Guidelines. Our successful trace and collect performance is driven by our ability to obtain high levels of accurate and up to date contact details.

Simply put, our tracing strategies deliver the right results.
collect
We are not one of the UK’s fastest growing DCA’s by good fortune: It's happening because we are exceptionally good at what we do. This is validated by the fact that we are first place in over 90% of our clients league tables. We do this by our commitment to providing our clients with a dedicated team who take a real pride in their results. Incidentally, you can rest assured that we will continue to refine our processes and skills until that 90% becomes 100%. You have our word on that.

In results driven business, we know that this makes a real difference.
commercial
Our dedicated commercial team consistently deliver excellent results - our clients tell us so. Each case has an experienced commercial collector assigned to manage the debt from the first point of contact until conclusion. This means that our commercial collectors know the history of their own caseload from start to finish.

Good communication and knowledge - it's the Pastdue way.
compliance & regulation
We take our responsibilities very seriously and treating customers fairly is at the core of everything we do. We are governed by the following stringent legislation which we strictly adhere to.

• Credit Services Association Code of Practice (view here)
• Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974
  (amended 2006)
• Data Protection Act
• Ofcom
• PCI DSS Standards

All of our calls are fully recorded.
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Authorised and Regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006)