Personalised journeys

Debt is a sensitive and personal matter. We focus on understanding customers' individual circumstances, treating them fairly and empathetically – just as the Financial Conduct Authority says we must – and supporting those who are vulnerable. Treating customers as individuals is key to generating the best experiences for them - and the best results for you. Our innovative technology solutions enable customers to self-serve and agents to provide tailored, flexible and relevant support, while maintaining a human-centred and empathetic approach.
Lady discussing finances on the phone

Understanding individual customer needs and vulnerabilities

There are many reasons why people find themselves in financial difficulties. The Coronavirus pandemic has meant that people with good credit histories, who have never been in debt before, are reaching out for help until they can get back on their feet after they’ve been ill or lost their job.

Treating all customers fairly and with empathy, based on their individual circumstances, is the right thing to do. In fact, the Financial Conduct Authority has made fairness a matter of compliance, and it has imposed large fines on some high street banks that haven’t treated their customers fairly.

But all too often, businesses disregard their customers’ circumstances and drive them all down the same path to a standard collections approach.

Capita tailors every response to the individual, with agents who are trained to be compassionate and technology that allows customers to personalise their journeys. We provide a choice of digital or agent-assisted channels that seamlessly interact to provide an omni-channel response.

We’re also able to intervene before an issue arises, helping people to avoid debt through predictive data analytics that flag early warning signs. Our approach is designed to deliver journeys that are specific to the individual and outcomes that are right for our clients. We’re the only organisation to take this approach, which is one of several reasons why we’re the debt management partner of choice of many major banks, utilities, telecoms and finance firms.

Treating customers fairly in collections

Download our latest report which explores the thoughts of those who are struggling to pay their debts through financial hardship and how organisations can retain loyalty, create better outcomes and alleviate mental stress through difficult times.

Register to download


is the average debt per adult in the UK which represents 112% of average earnings

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