Debtor Management

We strongly believe that behind every account in arrears is a person with a story which we must be understanding and sympathetic towards.

Despite all our cutting-edge technology, processes and systems it is the empathy of our staff that is our strongest asset. Debtor management isn’t a pleasant process; we are often contacting people at a stressful stage in their life and asking for money.

Our staff all understand this, we put many hours of training into helping them cope with these situations, and we are immensely proud of how well they conduct themselves ‘under fire’. First Locate staff all see their roles as a positive role helping and not judging.

In organisations with a high volume of transactions or large customer base, it is inevitable that a percentage of accounts will slip into arrears for a variety of reasons. First Locate are an experienced and sophisticated outsourced resource that can be brought in to prevent early ‘wobbles’ spiralling out of control.

While we prescribe catching debtor accounts early, sometimes that isn’t always possible and more comprehensive methods are required to bring accounts back into line. First Locate already have the tools, technology and trained staff in place to manage and process payments and manage the resulting agreements cost-effectively.

Vulnerable customers

First Locate recognises that issues involving debt are more common than ever before. Many customers can find themselves in an extremely vulnerable position without fully understanding the potential risks involved through no fault of their own.

As a business, it is crucial in these situations that we do the right thing and help customers navigate the issues they face. To do this, we ensure that customers are always treated fairly and that both affordability and mental wellbeing are assessed. By doing this, we can be confident that the solutions we provide help customers find a way out of the difficult circumstances they are in.

“Customers get into arrears for all kinds of reasons. We strive for a culture that doesn’t judge and seeks to resolve situations quickly and effectively for all parties concerned.”

Karen Ryan, Operations Director


Services offered

If you have a requirement not listed here, call us on +44 (0)344 543 9002.

  • Early arrears management
  • Financial difficulty agreements
  • Dispute resolution
  • Defaulted account collections
  • Live account processing
  • Payment processing
  • Customer account management
  • Customer contact management

Joined-up Data Solutions

In many cases customer account data will be amended throughout the resolution process; we have many options available to push cleaned data back into your systems with accompanying notes.

All data gathered and communications comply with ISO9001 and ISO27001 and are processed and stored with our government standard security level IT systems and procedures.

You might also be interested in…

Find out how our debtor solutions work for companies in other sectors:

We specialise in a number of intelligent outsourced services including:

We’ve developed a number of useful products and services to help you find the right solution for your company:

Get in touch

To discuss outsourcing your debtor management requirements to First Locate call Dominic Connolly on 0344 543 9002 or email us at