Procuring, managing and overseeing multiple suppliers to increase the average collection performance is a cost Creditors no longer need to bear

We provide a single route to use a diverse network
of industry-leading experts to resolve problem debt.

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About us

We are a majority-owned subsidiary of The Arum Group which has been providing debt and credit advisory services internationally for over twenty years.

Our executive team consists of some of the most experienced people in supply chain management, technology, debt resolution and compliance. Many of them were part of the UK’s first debt market integration project that was formed in 2015 as a joint venture between the private sector and UK Government.

Our network of debt recovery, litigation and enforcement suppliers cover every square inch of the country and are selected to ensure our clients have access to a diverse supply chain. We use data, analytics, and insights to enhance our understanding of the customers who owe money and then implement fair and effective treatment strategies based on their individual circumstances before placing debt.

Nick Georgiades, MD
“We are a business that balances purpose and profit. We consider the impact of our decisions on our people, customers, suppliers, community, and the environment. We are part of a global movement of people that are using business as a force of good”.

What we do
Our story
Our leadership team
Why us
Our founder
Our investors
Our expertise
Our partners
Our mission
Our quality standards

Technology

The life cycle of technology is becoming shorter, and our clients’ expectations are evolving in an accelerating race for the most advanced insight into their problem debt portfolios. The risk of not knowing enough about a customer can result in wasted investment, or worse, a vulnerability not being detected that causes a customer harm and the client public shame.

Our technology is designed to support our leading-edge capabilities such as data analytics, automated processing, and integration with third-party systems. We do this by building our own technology, using our own team of engineers and through development upon the world’s leading platform, Salesforce.

We connect everyone to our cross-industry digital infrastructure, The Just Hub.

Antony Dear, Chief Product Officer
“Our approach to technology is to develop it in-house using our own engineers but where leading technology exists that is not core to what we do, integrate with it to ensure we stay at the leading edge of advancements and technological change”.

The Just
Hub
The Salesforce platform
How we manage data

Our Network

We aim to develop and make available a diverse supply chain made up of established, existing suppliers, SME’s and new entrants enabling buyers to contract with the best available industry experts within each of the following sectors:

- Debt recovery
- Litigation
- Enforcement

A robust procurement framework is used to select, test and onboard suppliers, and at a buyer's request, we also onboard their existing suppliers to manage any impact of supply chain disruption.

Natalie Tate, Director of Operations
"We have a deep understanding of capabilities of the marketplace. Robust procurement methods are used to pre-qualify applications and move suppliers to a formal audit process. Suppliers that meet our quality standards are then approved to operate."

Debt Recovery
Litigation
Enforcement

Who we help

We provide a single route to use industry leading experts to resolve problem debt and work with clients in the following sectors:

• Government departments

• Utility businesses

• Telco’s

• Solicitors

• Property management organisations

• Banks, and

• Private businesses.

Victoria Oliver, Director of Client Development

“We recognise that no two clients are the same and that a partnership approach to service delivery is what’s required. We work closely with our clients and measure our output frequently through a net promotor score framework to enable us to deliver a five-star client experience that is built to last.”

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Our story

We created Just in 2019 to offer clients a single route to use the private sector to help resolve problem debt through a network of debt recovery, litigation, and enforcement suppliers.

We focused early on technology and underpinned it with some of the most experienced debt resolution experts in the industry, ensuring that our clients benefit from massive benefits to buyers including bringing in new specialist suppliers and enhancing social value contributions

Many of our team were part of the UK’s first debt market integration project that was formed in 2015 as a joint venture with UK Government for the collection of £23 billion.

Andrew Pritchard, Group CEO
"Just are a majority owned subsidiary of The Arum Group which has been providing debt and credit advisory services in over 20 countries since 1998. This means we can combine market leading technology with in-depth expertise borne from experience."

What’s
being said

Read about what our customers are saying, Just news, and our latest blogs, vlogs and events.

Each week we publish industry insights and thought leadership pieces looking at case studies and topical issues including customer vulnerability, digital transformation, supply chain innovation and the shifting regulatory environment faced by creditors, their customers and the enforcement industry.

Our mission is to integrate an industry leading supply chain to resolve problem debt.

Chris Badger, Director of Legal & Compliance
“We measure the quality of the service we supply continuously and are also audited frequently by a number of international quality management awarding bodies. We hold a number of quality standards to cover the services we supply.”