Based on our guiding principles, we have established ourselves as the pre-eminent purchaser and manager of consumer credit receivables in the UK. These principles are:

• Value Creation
  The enhancement of asset value through our unique debt lifecycle methodology.
• Breadth of Business
  Portfolio analysis and management. Experience and capability to purchase a broad range of portfolios from live accounts through to litigation. Extensive use of our growing data warehouse to provide detailed models used in pricing and innovative collection strategies.
• Technological Edge
  Award-winning technology partnering pioneering business strategies.
• Quality Staff
  We have market-leading recruitment, training and development programmes. We pride ourselves on our loyal staff and very low staff turnover. We display a genuine passion for the business at all levels. It is our policy to keep all communication open and accessible.
• Financial Engineering
  Our sophisticated financial engineering maximises overall profitability and maintains full access to capital.
• Strict Compliance
  We ensure our detailed compliance policies are stringently enforced. We maintain dialogue with regulators and trade associations to keep “one step ahead”.
• Reputation for Excellence
  We boast an unrivalled reputation for professionalism. Our high standards of excellence are maintained throughout all business areas.