How do we work as a Debt Collection Agency?

P&J are a professional debt collection agency specialising in both consumer and commercial debt collection. You send us details of the debt on one of our Debt Information Forms or on our on-line form. We will commence action on your accounts the day we receive them.

P&J’s professional debt collecting staff have all received in-depth training in debt collection and negotiation skills. They have learned how to avoid potential confrontations whilst, at the same time, assessing each debtor’s ability to pay and ensuring that a realistic repayment schedule is agreed and kept to making us the ideal debt collection service. We have not invested in automatic dialling programmes unlike most debt collection agencies, preferring human to human contact to improve debtor communication and success rates. Our telephone team operates into the evenings, ensuring that we can reach most debtors regardless of their daytime working arrangements.

We have the advantage of up to the minute on-line computer systems for tracing debtors who have ‘gone away’, confirming addresses and checking for court judgments. We also have immediate access to all Company House records for company details which may help in recovery action. All this data can be retrieved quickly, ensuring that our debt recovery actions are appropriate and effective at all times.

"We are extremely impressed by the speed of recovery, and thank you for your kind assistance."

– Loans Office, High Street Bank

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