How we handle data
Although we don’t work directly with consumers, we do capture and process consumer personal data in order to carry out our service for clients.
We only ever capture and process personal data under clear written instructions from clients and it cannot be used by us for any other purpose. Consumer data passed to us by the government cannot be shared with anyone other than our agreed list of suppliers and where personal data needs to be shared in order to perform the service, the minimum required amount of data only is shared.
In addition to adhering to the Data Protection Act, all of our suppliers are certified to ISO27001, the international standard for information security. This means that the policies, processes and controls which contribute to keeping consumer data secure are subject to independent audit by the British Standards Institute every year.
While we share and apply learnings and insight between our clients (for example, if we have learned a new way to better identify those who are vulnerable), we never share actual data. Each client’s data is segregated and processed in accordance with strict department policies and relevant regulation.
How we choose suppliers
We have access to the full market of debt recovery specialists, including debt collection agencies.
Bespoke panels of debt recovery specialists are chosen to work on behalf of each of our clients. They are chosen based on four key criteria:
- the quality of their consumer focus and debt collection practices;
- the requirements of our client;
- the type of debt being collected; and
- the supplier’s specialism.
All our suppliers are ISO 27001 certified, and the debt collection agencies we use are regulated by the FCA. They are monitored to high standards and are managed on a day-to-day basis by a dedicated team. They conduct spot checks, call listening, account audits and activity reviews in addition to regular site visits. Debt recovery technology captures data on the activity that is undertaken – for example how many calls are made and at what time of day enabling clear insight into the treatment of consumers.