A Reputation for Compassionate Customer Engagement

Phillips & Cohen Associates Ltd. were established in the United States in 1997 and have expanded internationally building a reputation as a responsible and trusted partner to creditors around the globe. We have three regional offices in the United States (including a dedicated analytics centre) and international offices in Manchester United Kingdom, Quebec Canada, Melbourne Australia and Dusseldorf, Germany.

Our business has achieved national and international prominence by providing highly effective financial recovery services built around a uniquely compassionate style of customer engagement.

The Phillips & Cohen Associates (UK), Ltd. team is sensitive to the value of our partners’ brands and understands the sensitivity associated with highly specialised services. With clients ranging from mid-sized firms to leading national and international creditor and banking institutions, we serve the consumer credit, banking, and finance markets, as well as specialised industries including home shopping, utility, telecoms, debt purchase, local and central government.

Our experienced management team understands the legal process and the evolving statutes that govern our industry. We play leadership roles in our industry’s principle trade groups in both the UK and internationally, and we continually set new standards for technological and service innovation.

Our Values

Through our compassionate and sensitive approach to debt recovery, we aim to provide a ‘best in class’ service to customers and clients alike. We actively seek to share best practices and draw on expertise from across our global operations. Our core values are designed to guide our business operations and provide a framework with which to evaluate and reward our most valuable asset – our team.

These are the four key values that inspire the work conducted at Phillips & Cohen Associates (UK) Ltd.

We operate with humility, caring, and respect, and strive to provide exceptional customer service during difficult circumstances.

We make investments and work to continually improve our compliance processes and systems, implementing proactive solutions to protect our clients and their brand reputation.

We keep our promises, we live up to our expectations, and we give our best while supporting our customers and clients.

We foster a work environment where creative thinking is encouraged to improve customer service, streamline business operations, continuously improve quality, and bring value to our clients.


Compliance is paramount to Phillips & Cohen Associates (UK), Ltd. and our commitment is underlined by including it as one of our four company values. We firmly believe that Compliance puts us under a duty to make the right decisions and consider the consequences of our actions. Our team continuously monitors the regulatory environment in which we operate to ensure we provide a compliant and best in class service to everyone that we interact with. Our team professionally addresses all customer complaints and we use the feedback to continuously improve the customer experience we provide.

As part of our on-going efforts to put the customer at the heart of our business, we are committed to continuous improvement and to identifying, managing and controlling conduct risks. To achieve this, our leadership teams are fully engaged in risk committees and forums designed to consider customer outcomes.

The business is proud to have achieved full FCA authorisation in March 2016 and adheres to all other applicable regulatory requirements and codes of conduct. Our leadership plays an active role in national and international trade associations in an effort to drive and share best practices cross industry. We look forward to continuing our commitment to fair customer outcomes through our values, policies, processes and people.

PCA UK has policies and procedures in place to identify, prevent, and mitigate the risks of modern slavery in our operations and supply chains although the legal obligation to publish the annual Modern Slavery statement does not apply to our business (business annual turnover does not reach the set figure).

Who We Are

Phillips & Cohen Associates (UK) Ltd are a member of the Credit Services Association (CSA), the only National Trade Association in the UK for organisations active in the debt collection and debt purchase industry.

Phillips & Cohen Associates are a member of The Consumer Relations Consortium, a membership group for forward-thinking organisations that wish to influence the direction of collections compliance, legal strategy, and regulatory policy.

Credit Strategy are a premium brand with a broad footfall in financial services, which serves a set of credit-related functions across a huge range of sectors.

Authorised and regulated by the Financial Conduct Authority.