It is a fact of life that some businesses will allow their clients to run up credit of £5000, £20,000, or even - it has been known - £800,000! Yet by the time the creditor realises the monies will not be paid, the client/client company is already experiencing financial difficulty. Alternatively, the creditor will only then discover that this particular client has a poor credit history and a string of debts to their name.

To assist in preventing this from happening some of our clients routinely use our services to conduct credit checks on new or more significant clients before extending them credit or doing business with them. P J Collections can run consumer and commercial credit checks, carry out director or company searches (including home addresses) and, where appropriate, bankruptcy searches and Land Registry searches.

We can therefore advise our clients of any poor or adverse credit history, confirm contact business details they have been given, and inform them of any CCJs (County Court Judgements), bankruptcy/insolvency details, IVAs (Individual Voluntary Arrangements) and CVAs (Company Voluntary Arrangements), thus reducing the creditor's risk through early preventative action.

P J Collections provides its clients with a confidential written report, subject to the Data Protection Act and other relevant legislation. We also ensure that any services provided are adequately secure to protect privacy and to guard against any inadvertent use of private information.