Pre-Market Engagement for Third-Party Debt Collection Services

HMRC is seeking supplier input to understand market capabilities and options for delivering comprehensive debt collection and recovery services. This pre-market engagement invites suppliers to share their expertise across the full debt recovery lifecycle, including collection, analytics, affordability assessment, customer engagement, and support for vulnerable customers. HMRC is evaluating how suppliers can combine capabilities to achieve fair, sustainable debt recovery while improving outcomes and customer experience. Potential services required include managed debt collection, debt analytics, digital repayment solutions, affordability assessment, data enrichment, vulnerability support, fraud and error detection, and performance reporting for both domestic and international debt. This engagement focuses on understanding social value considerations; future engagement may cover delivery models, commercial structures, technology and AI, and supply chain resilience. The maximum estimated contract term is 8 years with potential value dependent on final scope and duration. The procurement route has not yet been confirmed and may involve a framework or alternative approaches. HMRC is at an early stage and has made no final decisions on commercial models, contract structure, or number of suppliers.