Your case management software handles debtor records and scheduling. Nobody handles the compliance trail the MoJ and FCA expect: notices of enforcement, vulnerability assessments, breathing space moratoriums, complaint handling. DebtPad handles all of it.
Certificated enforcement agents in England and Wales. Every enforcement action requires documented compliance. One procedural failure can void the enforcement and invite complaint.
The Taking Control of Goods Regulations 2013 and FCA guidelines require vulnerability assessment at every contact. Missing this assessment invites regulatory action and reputational damage.
The Debt Respite Scheme requires enforcement agents to halt action during a breathing space. Miss a breathing space notification and you breach the scheme. The penalties are real.
Everything the MoJ and FCA checks when they visit.
Per-case notice generation and tracking. Delivery method, date, time. Evidence of proper notice served within the required period. Full audit trail.
Structured assessment at every contact point. Physical, mental, age, language, financial vulnerability categories. Flag and escalate. Evidence of consistent assessment.
Monitor breathing space moratoriums per debtor. Automatic enforcement hold. Alert when moratorium starts, during, and at expiry. Never breach the scheme.
Automated fee calculation per enforcement stage aligned to the Taking Control of Goods (Fees) Regulations 2014. Transparent, auditable, and consistent.
Digital CGA per case. Goods inventory, debtor signature, payment schedule. Breach tracking. Evidence of properly executed agreements.
Structured complaint log with response deadlines. Investigation tracking, outcome recording, pattern analysis. Evidence of fair process.
Certificated agent qualifications, FCA training, vulnerability awareness, conflict resolution, CPD. Expiry alerts per agent.
AI-generated self-assessment against MoJ and FCA enforcement agent standards. Notices, vulnerability, breathing space, complaints. Readiness score. Gap analysis.
AI-generated call scripts. Outbound SMS and WhatsApp reminders. Inbound call logging with voicemail transcription. Automated bulk reminders for debtor contact scheduling, breathing space notifications, and complaint follow-up calls. No other enforcement agent compliance tool has built-in telephony.
Three steps. Live in fifteen minutes.
Enter your enforcement company details, agent roster, and case portfolio. Onboarding creates notice templates, vulnerability checklists, and compliance workflows.
Log notices, vulnerability assessments, breathing space status, fee calculations. Everything timestamped and attributed per case, per agent.
Dashboard showing notice status, vulnerability flags, breathing space moratoriums, and compliance readiness. One screen, every case.
Monthly billing. Cancel any month. No annual contracts.
No. Your case management software handles debtor records and scheduling. DebtPad handles the compliance documentation your case software does not touch: notices, vulnerability, breathing space, and MoJ prep.
DebtPad provides a structured assessment template at every debtor contact. It categorises vulnerability across multiple dimensions and flags cases requiring escalation or referral.
Yes. DebtPad is mobile-first. Record assessments and notices from your phone during enforcement visits.
Yes. CSV and PDF export on all plans. Your data is yours. Cancel any month and take everything with you.
DebtPad is an administrative tool. It generates compliance documentation for enforcement agent review. It does not provide legal or financial advice. The certificated agent always signs off.
Free tier available. No credit card required. Start in five minutes.