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Credit Services Association

2 Esh Plaza

Sir Bobby Robson Way

Great Park

Newcastle Upon Tyne

NE13 9BA


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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




Blog: Technology and innovation in credit and collections: ‘Early adoption’ isn’t always the best approach

Steve Preston, co-Founder of cloud-based analytics provider elanev, is an experienced credit risk and collections professional. He is chairing sessions on ‘the evolution of cybercrime’ and ‘blockchain technology’ at the upcoming UK Credit & Collections Conference (UKCCC) 2018.


With an extensive career in collection strategy and recoveries, I am passionate about utilising technology, data scoring analytics, and better working practices to help organisations deliver an outstanding customer journey that is aligned to their risk appetite and corporate identity, and makes a difference to the bottom line. But I also know that to make the best use of new technologies, we need to get past the ‘smoke and mirrors’ and the idea that ‘early adoption’ is always necessary or beneficial.

There is no doubt that technology is rapidly changing the business landscape of the credit and collections sector and will continue to do so in the future. However, often technology is developed before customers and businesses are ready to fully adopt them. The pace at which technology is incorporated into mainstream processes depends largely on the appetite for the consumer to embrace the technology. One such example is Open Banking which became statutory law in January 2018. So far, none of the major clearing banks has incorporated Open Banking data into their main decisioning and assessment processes. It remains to be seen whether customers want to provide collections firms with such a granular view of their data, and if businesses are able to incorporate this data into their assessment and decisioning processes. After all, the Open Banking data provides a historical and current assessment of financial transactions; it does not include all products (such as credit cards) nor does it allow for the customer to present their ’near future’ circumstances.

Technology also only works as well as it is configured and aligned to the risk appetite of each user. Careful consideration needs to be given to the overall business impact and business case of deployment. For example, if an automated chat-bot can successfully process 99% of customer journeys, then there is still 1% which will require manual interaction. Under the ’three lines of defence’ model, this could mean that such technology leads to a channel of communication that is protracted, more expensive, and has a higher conduct risk than a telephone call.

Another key consideration is that new technology could potentially increase fraud and regulatory risks as it is typically now being rolled out faster than the regulations and fraud detection system enhancements.

The aim of the Technology and Innovation stream at the CSA’s UK Credit & Collections Conference 2018 will be to give delegates a clear picture of which technologies currently exist, which are relevant, which are being adopted by originators/customers, and what the potential risks are. We will also be looking at the next big catalysts for change in the short, medium, and long term and what firms can do to prepare for them. This roadmap for the future is one that needs to be fully considered.  For example, there are exciting new developments such as blockchain technology which may not yet be practical but will revolutionise the credit and collections industry when they are ready to be implemented in the right way.

I look forward to delving into some of these issues more deeply at the Conference on 13 September 2018. See the full programme here:


Learn more about the UKCCC 2018