Privacy Policy

INTRODUCTION

Welcome to Just’s privacy policy.

Just understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, justdebt.co.uk (“Our Site”), and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under applicable law.

This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from). Please read this privacy policy carefully and ensure that you understand it. By providing your personal data to us, you acknowledge and agree that you have fully read and understood this policy, and consent to the collection, use, processing and disclosure of your personal data as described in this policy.

1. The personal data we collect

The personal data we collect will depend on the nature of the service, instruction or interaction. It may include:

Identity data
Name, previous names, aliases, title, date of birth, identification details, company directorships and other identifiers.

Contact data
Residential address, previous addresses, business address, email address, telephone numbers and other contact details.

Case and legal data
Court claim details, judgments, orders, writs, case references, enforcement history, litigation information, landlord and tenant information, tenancy details and information relevant to recovery, possession or commercial rent arrears recovery.

Financial and asset data
Debt details, payment history, income and expenditure information, bank details where lawfully obtained or provided, employment status, business interests, property ownership, asset information, vehicle information, insolvency information and other data relevant to assessing recovery options.

Credit reference and trace data
Address-linking data, residency indicators, financial association data, insolvency indicators, identity verification data, trace results and other information obtained from credit reference agencies and other lawful data suppliers for the purposes described in this policy.

Communications data
Records of calls, emails, letters, messages, online enquiries, website form submissions and other communications with us.

Technical data
IP address, browser type, device type, operating system, referral source, pages viewed and website usage information.

Audio and visual data
CCTV, body-worn video, photographs, audio recordings and call recordings where used lawfully and proportionately for safety, evidential, complaint-handling, compliance or operational purposes.

Special category data
Information relating to health, disability, vulnerability, welfare, mental health or other sensitive matters where this arises in connection with a case and where processing is necessary and lawful.

Third-party representative data
Where a person authorises a representative or where a representative contacts us, we may process that person’s name, role, relationship, contact details and records of communications.

2. How we collect personal data

We collect personal data in a number of ways, including:

• directly from you;
• from our clients, claimants, landlords, solicitors, agents and professional advisers;
• from the courts, tribunals and official processes;
• from credit reference agencies;
• from tracing agencies, identity-verification and fraud-prevention providers;
• from public registers and publicly available sources, including Companies House, the Land Registry, insolvency registers and open-source intelligence sources;
• from enforcement agents, field operatives, witnesses and third parties connected with an address or matter;
• from website forms, email, telephone calls and other communications;
• from CCTV, body-worn video and other evidential or safety-related recordings;
• from publicly accessible online sources where lawful and proportionate.

3. How we use personal data

We may use personal data for the following purposes:

• to receive, assess and manage instructions;
• to trace individuals and verify address or contact information;
• to assess the most appropriate route for debt recovery, enforcement or intelligence-led action;
• to undertake lawful pre-action, recovery and enforcement activity;
• to act on or support court judgments, orders, writs, possession actions and other lawful instructions;
• to locate and assess assets, employment, trading activity, occupancy, business operation or other indicators relevant to recovery strategy;
• to communicate with debtors, occupiers, clients, representatives and third parties;
• to receive and process payments;
• to maintain case records and audit trails;
• to review vulnerability and make proportionate adjustments to our approach;
• to protect the safety of staff, contractors, clients and members of the public;
• to prevent and detect fraud, deception, asset dissipation and other unlawful conduct;
• to respond to complaints, disputes, incidents, legal claims and regulatory matters;
• to administer our business, maintain systems security and improve our services;
• to market our services to business contacts where permitted by law;
• to comply with legal and regulatory obligations.

4. Our lawful bases for processing

Depending on the circumstances, we rely on one or more of the following lawful bases:

Contract
Where processing is necessary to perform a contract with a client, supplier or other contracting party, or to take steps before entering into a contract.

Legal obligation
Where processing is necessary for us to comply with legal obligations, including obligations connected to court processes, regulatory requirements, accounting, record-keeping, complaints and compliance.

Legitimate interests
Where processing is necessary for our legitimate interests or those of a client or third party, and those interests are not overridden by the rights and freedoms of the individual. These interests may include tracing, recovery strategy, enforcement preparation, asset intelligence, fraud prevention, information security, staff safety, evidential recording, business administration, service improvement and the establishment, exercise or defence of legal claims.

Vital interests
In limited cases, where processing is necessary to protect someone’s life or physical safety.

Where we process special category data, we will only do so where we have both a lawful basis under Article 6 UK GDPR and an additional lawful condition under Article 9 UK GDPR and, where relevant, Schedule 1 of the Data Protection Act 2018.

5. Use of credit reference agency data and other third-party data sources

Where relevant to a matter we are instructed on, we may obtain and use data from credit reference agencies and other lawful third-party data suppliers. This may include address history, address-linking information, financial associations, insolvency indicators, residency indicators, identity verification data and other information relevant to tracing, contact verification, recovery assessment, fraud prevention, enforcement planning and legal claim support.

We use this information only where we consider it lawful, necessary and proportionate to do so.

We may also share relevant information with credit reference agencies, tracing providers, fraud-prevention services and identity-verification providers where lawful and necessary in connection with case progression, verification, trace activity, fraud prevention, risk management or debt recovery strategy.

6. Criminal offence and court-related data

In the course of our work, we may process information relating to judgments, orders, enforcement history, allegations of unlawful activity, fraud indicators, insolvency or other matters connected to legal proceedings or the exercise or defence of legal claims. Where we process such data, we do so only where there is a lawful basis and an applicable condition under data protection law.

7. Special category data and vulnerability information

Because our work may involve direct contact with individuals in difficult or pressured circumstances, we may encounter information relating to health, disability, mental health, safeguarding issues, caring responsibilities, addiction, bereavement or other vulnerability indicators.

We process this information only where it is necessary and proportionate, for example to assess vulnerability, adjust our approach, protect the welfare of the individual or others, comply with legal or regulatory duties, or establish, exercise or defend legal claims.

8. Who we share personal data with

We may share personal data where lawful and necessary with:

• our clients and instructing parties;
• solicitors, barristers and other professional advisers;
• courts, tribunals and public authorities;
• enforcement agents, field operatives and contractors acting on our behalf;
• trace providers, credit reference agencies, identity-verification providers and fraud-prevention services;
• locksmiths, removal contractors, storage providers, security providers and other operational suppliers;
• payment service providers and banks;
• insurers, auditors and compliance advisers;
• IT, hosting, software and document management providers;
• regulatory bodies, law enforcement agencies and government bodies where required or permitted by law;
• prospective purchasers, investors or advisers in connection with a sale, restructure or acquisition of our business, subject to appropriate safeguards.

We do not sell personal data.

• This privacy policy was last updated on 29th July 2026.