Helping our clients deliver better debt outcomes


We use data science to help our clients select the right debt treatment for their customers, along with easy access to an integrated network of suppliers, to deliver superior returns and fair customer outcomes.



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Carlos Osorio

Group Chief Executive Officer

Arum and Just

About us


“Just believes our creditor clients deserve to get paid. We use advanced data science to help our clients select the right debt treatment for their customers to improve engagement and uplift portfolio returns. And for clients who want fast results, we provide technology and ready-to-go access to an integrated network of assured service providers.

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



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  • What we do
  • Our story
  • Our leadership team
  • Why us
  • Our founder
  • Our investors
  • Our expertise
  • Memberships and Accreditations
  • Our mission
  • Our quality standards

Jason Incles

Chair

Our story


“Just was created to help creditor clients better resolve problem debt by using advanced data science, technology and providing easy access to a network of 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 be able to help our creditor 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 our environment. As such we are part of a global movement of people that are using business as a force of good.”



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Natalie Tate

Chief Operating Officer

What we do


"Just helps our creditor clients better resolve problem debt. We undertake in-depth portfolio analysis and treatment selection and for client that want fast results 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 on how to encourage customers to pay, as well as identifying those who need more support. Our network of assured service providers are ready to go and will provide fast results, higher net returns, as well as full transparency of the customer journey and outcomes.”

 



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  • Debt Recovery
  • Litigation
  • Enforcement

Who we help


“Just works with the UK’s largest utilities, financial services and government organisations. We support them in resolving problem debt – whether that is consumer and residential debt, or business and commercial debt.

Our team has a deep understanding of the debt sector and work collaboratively with our clients to understand their challenges, providing insight and explore opportunities to improve debt treatment for their customers."



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    Victoria Oliver

    Director of Client Development

    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 bills and to provide help to those who need more support.

    Our data scientists have access to multiple data sources and have created proprietary data and scores to help our clients assess their debt portfolios and select the most appropriate treatment for each customer. We know the right treatment will always deliver a better outcome for all.

    Our engineers have created technology platforms to give our clients easy access to an integrated network of assured service providers and to track every aspect of the customer journey.”



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      The Just
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      The Salesforce platform
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      How we manage data




    Mike Dugand

    Chief Technology Officer