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+44 (0) 191 236 2709

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Credit Services Association

2 Esh Plaza

Sir Bobby Robson Way

Great Park

Newcastle Upon Tyne

NE13 9BA


CSA Privacy Statement


Additional Sections

Complaints Procedure

Useful Links

Making a complaint

We work hard to ensure our Members act within the rules set by the industry regulators.

Please click on the following link and read our Code of Practice. If you think a Member has broken the rules of this Code you can make a complaint by downloading our Complaints Form.

Before making a complaint we would encourage you to carry out the following activities:


  • Go to the Members Directory and check whether the company you wish to complain about is a Member of the CSA. If you are still unsure, feel free to contact us. If the company is a Member of the CSA then we are able to help you with your complaint.
  • On first instance, we recommend you contact the Member company to discuss any issues you have and enquire about their complaints process. If you are still dissatisfied with the outcome then you can review our Complaints Procedure.
  • If you believe that the Member has acted in breach of our Code of Practice and the complaint meets the necessary criteria, please complete, sign and return the Complaint Form to our registered address.

CSA Complaints Procedure

 How we deal with your complaint.

All complaints must be submitted in writing, with a signed complaint form. We require the form to be signed so that we, and our member, have the requisite authorisation to share information.

The following is the sequence of events after the CSA receive a complaint form;

  • CSA receive a signed complaint form
  • CSA register the complaint and send a copy to the relevant member company
  • The member is given eight weeks to respond directly to the complainant
  • CSA get a copy of the response from the member company
  • CSA considers both positions and determines whether the Code of Practice has been breached
  • Appropriate action is taken (if required) to remedy the situation
  • If further information is required the CSA contact the relevant party (the complainant or the member company).
  • After a full review, the CSA provides a formal response to the complainant


If you remain unhappy with the outcome of the complaint, you may have justification to escalate the matter to our our head of compliance, Claire Aynsley,


Please note: The CSA can only intervene when;

  • a member company is in breach of the Code.
  • the company is a member of the CSA (we cannot act when the complaint is about the client of a member company, a bank or building society for example).
  • the information supplied by a member company appears from the facts to be incorrect.

Methods of Contact



Credit Services Association

Complaints Department

2 Esh Plaza

Sir Bobby Robson Way


NE13 9BA


Why the CSA need a signed copy of your complaint




Surprise Surprise!

By Colleen Peel, Head of Marketing & Events

A good conference will always deliver a surprise or two to keep the delegates engaged, and this year’s UK Credit & Collections Conference was no exception.

The tone was set by the President’s address: John Ricketts not only told conference that members were on track to return more than £4 billion to the UK economy, and that it held £59.6 billion for collection (as at end Q1 2018), but he also revealed the top ten debt buyer members’ contribution to Fair Share, which last year stood at £22.6 million. By way of context, John said that this represents around half of the total generated by the whole of the financial services community, and was a 54% rise on 2016. He also reminded delegates that this was in addition to the levy collected by the Financial Conduct Authority (FCA) on behalf of the Money Advice Service.

Such surprising statistics and the silence in the room spoke volumes as delegates digested the extent of their commitment to funding debt advice. How they ‘coped’ with such news was a central theme of the keynote speaker, Nathalie Nahai. Nathalie, a self-proclaimed ‘web psychologist’, explored the importance of understanding the psychological drivers required to effect change that ultimately lead to action. Changing a customer’s emotional state, by building confidence and engendering trust, leads to positive engagement.

This concept of Homophily – in effect a ‘love of the same’ – was illustrated through the advertising of McCains and Lloyds Bank, and she encouraged members to create content on their websites and marketing materials that better reflected their customers’ own stories and circumstances. Individuals are only capable of processing a finite amount of information, and this ability drops further when they are stressed. Removing that stress by using simple, empathetic communication moves customers to action.

Jonathan Phelan of the FCA made a welcome return, and took conference through a major research project completed earlier in the year that reflected the rapid change that is ongoing in the collections space. He particularly focused on technology – a key theme of the conference overall – and how collections agencies were increasingly moving away from phone and letter-based communication to a more ‘digital’ engagement including webchat and Apps. He believed that the key drivers for adopting new technology was to further improve efficiency, but acknowledged that it was also being used to better identify and engage with vulnerable customers. While ‘human’ oversight was still essential, the march of AI and machine learning was inevitable.

In a presentation that covered considerable ground, Jonathan also acknowledged the increased costs that agencies had been facing with compliance and the advent of a new regulator, and that while costs had risen, fees had stayed largely the same. It was important, he said, that a pressure on margins did not lead to corners being cut. Businesses were obliged to innovate, diversify and develop new business models and strategies, including to outsource their services to third parties. He also said that while technology was a tremendous enabler, the over-reliance on technology was also, conversely, a risk.

The first of the day’s panel debates brought together experts from the Advice Sector and the Cabinet Office to explore the correlation between lending and debt, and the need to make it much easier for consumers to understand what they are ‘buying’ (i.e in taking on credit) and what happens if it all goes wrong. The stigma of debt was ever-present, and this was still a major concern. Liz Barclay of the Money Advice Liaison Group (MALG) said that the collections industry had come a long way in a comparatively short space of time, and that 25 years ago she would not have been allowed into a collections conference, let alone be asked to speak. Peter Wallwork, CSA Chief Executive, agreed, but said that many members still felt like the ‘outsiders’ when it came to discussing debt, and were not included in discussions where it could make a valuable contribution. Egos within the Debt Advice sector, he said, were also a problem, with certain commentators proposing actions that the industry was already doing. Much greater collaboration was needed, but they needed to stop talking about it and actually do it.

The second panel debate focused on technology, and in particular the opportunity and the threat posed by Open Banking. What was clear from the debate is that the genie is out of the bottle, and can never be put back. In what is a very fast-changing world, new developments such as ‘Requests to Pay’ would soon dominate, and Apps that would put customers in complete control of their payments and who they allowed access to their accounts would change the face of payment processing forever. It was only a short step into the future before Amazon would be taking money directly from an individual’s account (with their permission), and that Mastercard and Visa were already beginning to re-invent themselves. How Open Banking related directly to collections was also discussed, with panel members agreeing that the access to greater, richer data would help both in determining a customer’s behaviour – and their propensity to pay – and in pricing portfolios more accurately. The change, they said, would be ‘transformational’.

Between networking breaks and the exhibition, delegates had a choice of a variety of specialist ‘streams’ to look at specific issues including the new FENCA Code and the ongoing impact of GDPR in more detail. The evening then culminated in the Gala Dinner which included the Credit & Collections Technology Awards, splendidly hosted by Matt Forde, a former political adviser-turned comedian fresh from the Edinburgh Fringe. Entertainment was provided by Bongo’s Bingo, yet another surprise, rounding off an event that is unlikely ever to be forgotten!