t: 0121 450 4255 f: 0121 450 4250
PO Box 14493 Birmingham B16 6FN
about us...
We are a privately owned company that strives to provide a professional, sensitive, empathetic, problem solving attitude in all its communications with account holders. A professional approach like this can be just as effective whilst still ensuring that client’s reputational concerns can be met.
Cardinal Capital is proud of our ability to continually develop innovative debt collection strategies, and apply them to carefully segmented portfolios to ensure highly efficient and highly effective collections.
As important is the quality of our client service. Ensuring that clients are provided with quality information on a punctual basis helps Cardinal to build and maintain long term trusted relationships.
As full members of the Credit Services Association Debt Buyers and Sellers Group, The American Collectors Association, and the British Parking Association, clients have the assurance that we understand the importance of such organisations and meet the professional standards that these memberships require of us.
Services.
Whether it is collection services, outsource credit control, or debt sale, we are committed to helping our clients to meet their financial goals in an efficient and cost-effective manner.
Collection Services.
Cardinal, and its wholly owned subsidiary Central Payment Services Ltd offer a full range of debt recovery activities in both the consumer and commercial marketplaces for primary and secondary debt portfolios, as well as trace and collect services utilising our comprehensive tracing facilities.
We also offer field-based collections where required, pre-sue reporting and the full range of litigation services through our in-house law firm Reid and Co.
Outsource Credit Management.
The word outsource in the context of credit management can mean a myriad of different things to different people. We have heard the word used in the context of a basic debt collection contract through to the full outsource solution where whole credit control departments have been closed, and the work outplaced with an external agency.
In this context, Cardinal are able to offer the full spectrum of outsourced arrears management services to clients. We have experience in all aspects of the credit management cycle and are able to advise on the best solution for a client's particular requirements.
We are happy to offer the first meeting free of charge at which we can outline the options available to credit management departments when considering outsourcing, and examine in more detail the most cost effective solutions appropriate to a client's particular circumstances.
Debt Sale.
Our focus is on identifying smaller portfolios of distressed debt with high levels of good quality information. This is more important to us than the particular industry sector or the average balances.
We are happy to meet and discuss debt sales at any stage, whether you are only contemplating selling or whether you have reached the point of looking for potential purchasers. We are particularly interested in portfolios with a face value up to £20,000,000 and will look at both consumer and commercial accounts.
