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Compliance

Redwood Collections Compliance

Trusted. Regulated. Responsible.

When it comes to debt recovery, compliance isn’t optional, it’s essential. 
At Redwood Collections, our clients rely on us not just to recover money, but to do so professionally, ethically, and in full alignment with the law.
Why It Matters

Compliance is more than a checkbox, it’s the foundation of trust in the collections process. In an environment where financial regulations are tightening and reputations can be damaged overnight, working with a compliant partner protects your business in a number of ways.

 

 

Choosing Redwood Collections means:
  • Your data (and your clients’) is handled securely and lawfully
  • You’re not exposed to reputational or regulatory risk
  • Your cases are resolved with full transparency and professional care

 

 

Failing to comply with industry standards can lead to:
  • GDPR breaches and data loss
  • FCA scrutiny or fines
  • Reputational damage from mishandled debtor interactions
  • Legal disputes due to improper procedures

 

 

How We Stay Compliant

We take compliance seriously at every level of our business. This means aligning our practices with the most recognised regulatory bodies and industry standards, and undergoing regular audits to ensure we’re always operating above the required benchmark.

Financial Conduct Authority (FCA)

We are authorised and regulated by the FCA. This means we follow strict conduct rules designed to treat customers fairly, manage vulnerable clients responsibly and act transparently.
 

Information Commissioner’s Office (ICO) & UK GDPR

As a registered data controller with the ICO, we comply fully with the UK General Data Protection Regulation. Our systems are built around lawful processing, data minimisation and individual rights.
 

Credit Services Association (CSA)

As members of the CSA, we work in accordance with their Code of Practice – a benchmark for ethical, fair and professional conduct in debt collection.
 

ISO 27001 Accreditation

This internationally recognised certification confirms that our information security systems meet rigorous standards. Your data is protected by encrypted storage, restricted access controls and regular cybersecurity audits.
 

ISO 9001 Accreditation

This quality management certification demonstrates our commitment to continuous improvement, operational consistency and client satisfaction. We use formal procedures to ensure every client interaction, case process and internal review meets the same high standard.
 

Regular Staff Training & Audits

All Redwood Collections team members are regularly trained in data protection, compliance and regulatory obligations relevant to our sectors. Ongoing internal audits and independent assessments ensure we uphold the highest standards.

 

 
How We Keep Our Clients Compliant

We don’t just protect ourselves, we protect you. For many of our clients, outsourcing collections to us reduces risk and strengthens compliance across the board.

Data Protection You Can Trust
We operate under robust Data Processing Agreements (DPAs), ensuring full transparency about how your data and your clients’ data is used, processed and stored. Every interaction is traceable, timestamped and audit-ready.
 

Sector-Specific Strategies
Whether you’re in education, construction, professional services or a regulated industry, we adapt our approach to reflect your compliance obligations and flag any risks before they become issues.
 

Vulnerable Customer Handling
If a debtor shows signs of vulnerability (financial hardship, illness, bereavement etc.), we trigger specialist procedures in line with FCA guidance. This protects the debtor and protects you from reputational harm.
 

Transparent Reporting & Audit Trails
We provide regular reporting, call logs and activity summaries so you can clearly see the compliant actions taken on your behalf with nothing hidden or left to chance.
 

Communication With Care
Our tone, frequency and content of communication follows the CSA Code of Practice and can be adjusted to align with your internal policies. This helps you avoid accidental breaches or customer complaints.

Common Questions About Compliance

Can Redwood Collections adapt to our internal compliance procedures?

Yes. We regularly align our approach with each client’s internal policies, including custom reporting, approval protocols and tone of communication to ensure consistency with your business values and risk requirements.

What happens if a debtor complains about the recovery process?

We have a clear and transparent complaints procedure in place. If a debtor raises a concern, we investigate promptly and provide our client with a full update, helping protect your reputation throughout the process.

How do you ensure staff are up to date with regulatory changes?

All Redwood Collections staff receive ongoing training on debt recovery regulations and ethical standards. Our compliance team monitors industry updates to ensure all recovery activity remains current and lawful.

Are there risks of legal action against my business for using a collection agency?

No, provided the agency acts lawfully and professionally. Our compliance-first approach helps protect your business from regulatory risk by following best practices in communication, documentation and data handling.

Can Redwood Collections support due diligence during audits?

Yes. We can provide evidence of compliance activity, audit trails and communication records to support your due diligence or external audits, making the process faster and more transparent.

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