We are the UK's first integrator for litigation and enforcement. Driven by data and analytics we provide our customers with a safe, accessible and intelligent way to enforce debts across the UK responsibly.
Using the Just Hub allows customers access to best in class solutions without having to procure internally which saves the time and cost of negotiating data prices, building propensity and scorecard models and managing a panel of litigation and/or enforcement providers. We take care of this and recover our fee from the supplier, so our customers get the service for free*.
Our technology allows customers to place debtor accounts with litigation and enforcement providers from a pre-procured panel of experts within 24 hours of instruction. Services can be purchased individually or as a complete pre-litigation through to enforcement solution.
Our solutions include data at their core. We are the first to introduce open data to the enforcement sector with exclusive access to AccountScore (open banking) and Validis (open accounting). Including these into our data pool together with client, internal and bureau data enables us develop contact strategies, collection strategies and payment plans that get the best results for our clients in the swiftest possible time.
Our propensity models are the most advanced in the enforcement industry. They are designed to detect the potential vulnerability of a debtor, forecast collectability, save costs and substantially increase collections. They have been developed over 14 years and use open banking, open accounting and real-time machine learning to self-improve.
We appoint the best available enforcement providers and also onboard customers' existing suppliers if they meet our internal standards and commit to only applying charges that the Regulations allow. We operate ISO accredited processes and expect our suppliers to do the same or be working towards achieving these standards.
We monitor the performance and compliance of suppliers through in-built performance and exception reporting modules in the Just Hub, remote visit reviews and onsite reviews and audits are also performed. Our vigorous framework can see an individual agent or a panel member removed from the contract for breaches of our standards or data or regulatory requirements. Enforcement activity is undertaken under the authority and supervision of our own Authorised High Court Enforcement Officer, and we maintain ultimate liability.
We act within 24 hours of instruction and complete the entire collection cycle within just 55 days, making us the fastest enforcement solution in the UK.
We provide solutions for the following types of customers:
- Utility Providers
- Solicitors and Lawyers
- Debt Collection and Purchasing Agencies
- Insolvency Practitioners
- Government Departments
*Regulations require the customer to pay a statutory fee of £75 + VAT on High Court Writ cases that are returned unsuccessful. We try our absolute best to minimise these through our use of data, insights and propensity.