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Justify

An independent and thoughtful solution for the future of enforcement

Businesses need to consider how their approach to debt management should evolve going forward as they deal with customers financially impacted by COVID-19.
Sharp practice nor aggressive debt collection will not be tolerated, as companies (and third parties employed by them) should ensure that any debt management processes are fair and have considered the customer’s circumstances and ability to pay.

Enforcement is necessary but traditional enforcement will never be fit for purpose again

Appropriate use of bailiffs is an effective collection strategy in its own right and having it at the end of the process will improve engagement and collections at earlier stages. Better collection rates result in lower provision rates and takes pressure off raising prices.