DELIVERING BETTER OUTCOMES

We use technology to help clients select the proper debt treatment for their customers and, where required, provide fully managed access to an integrated network of suppliers across debt recovery, litigation and enforcement.

 

 

FIND OUT MORE ABOUT HOW WE HELP OUR CLIENTS


Carlos Osorio

Group Chief Executive Officer

Arum and Just

Who we are

"We believe clients deserve to get paid. We use advanced data science and proprietary technology to help clients select the right debt treatment strategy for their customers to improve engagement and uplift portfolio returns. For clients who want a fully managed service, we provide technology and ready-to-go access to an integrated network of assured data, debt recovery, litigation and enforcement service providers.

We passionately believe that customers who are behind on their payments should be treated fairly and according to their circumstances. We believe customers who can pay should be encouraged to pay, while those who are vulnerable or in financial hardship should be treated with empathy and receive appropriate support."

  • Our story
  • Our team
  • Awards
  • Careers
  • Mission
  • Accreditations and memberships

Jason Incles

Chair

Our story

"Just was created to help clients better resolve problem debt by using advanced data science and technology and by providing easy access to a network of data, debt recovery, litigation, and enforcement suppliers.

We have gathered a team of the most experienced experts in the debt industry and invested significantly in creating unique data and technology assets, meaning we are uniquely placed to help clients deliver uplifted returns and fair customer outcomes.

We are proud to be a B Corp—a business that balances purpose and profit. We care about the impact of our decisions on our people, customers, suppliers, community, and environment. As such, we are part of a global movement of people using business as a force of good."

Chris Badger

Principal High Court Enforcement Officer

What we do

"Just helps clients better resolve problem debt. We undertake in-depth portfolio analysis and treatment selection. For clients who want a fully managed service, we provide access to an integrated network of debt recovery, litigation, and enforcement service providers.

We use advanced data science and technology to help our clients make better decisions about how to encourage customers to pay and identify those who need more support. Our network of assured service providers is ready to receive instruction and will provide fast results, higher returns, and full transparency of the customer journey and outcomes."

  • What we do
  • Just Intelligence - portfolio analysis and treatment strategies
  • Just Recoveries - debt collection, litigation and enforcement

Victoria Oliver

Director of Client Development

Who we help

"We work with the UK's largest utilities, financial services, lawyers and government organisations and support them in resolving debt–whether consumer and residential debt or business and commercial debt.

Our team deeply understands the debt sector and works collaboratively with clients to understand their challenges, providing insight and treatment strategies. For clients wanting a managed service, we offer a single route to an integrated network of data, debt recovery, litigation, and enforcement service providers.

We recognise that clients can purchase a one-size-fits-all service from the industry directly, which is why we offer three core products to better meet client needs: Just Intelligence, Just Recoveries, and Just Bespoke (a mixture of the two).”

Mike Dugand

Chief Technology Officer

Data and technology

"Just uses the power of data and technology to help our clients engage more effectively with their customers who aren't paying their debts and to provide help to those who need support.

Our data scientists have created proprietary data and scorecards to help clients assess their debt portfolios and select the most appropriate treatment strategies. We know that proper treatment consistently delivers a better outcome for all.

Our engineers have created technology platforms to allow scorecards to use AI and machine learning technology to develop and improve the receipt of outcome data.

Our technology, the JustHub, gives clients access to an integrated network of assured service providers and the ability to manage and track every aspect of the treatment strategies in one single platform technology."

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