---
title: "Future Debt Solution"
ocid: "ocds-h6vhtk-051b05"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-051b05"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-051b05.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-051b05.json"
source: "Find A Tender Service"
current_stage: "Tender"
buyer: "DEPARTMENT FOR WORK & PENSIONS"
published: "2026-01-06"
---

# Future Debt Solution

Buyer: DEPARTMENT FOR WORK & PENSIONS  
Current stage: Tender  
OCID: ocds-h6vhtk-051b05

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## Summary

The Department for Work & Pensions (DWP) in London is seeking proposals for the "Future Debt Solution" to engage a supplier for a Software as a Service (SaaS) debt management system. This tender falls under the industry category of financial and industry-specific software packages. The goal is to acquire a commercial off-the-shelf system to aid in recovering over £2 billion annually in debt. The procurement is currently at the tender stage, with the expression of interest deadline set for 12 February 2026. The competitive flexible procedure will involve five stages, concluding with an evaluation and moderation phase by December 2026.

This procurement offers substantial opportunities for businesses specialising in enterprise-level SaaS solutions. Companies equipped to manage data migration, integration, and provide comprehensive support for deployment and system upgrades will find this contract highly beneficial for growth. Businesses catering to financial services, particularly those familiar with public sector engagements, will be well-suited to compete. The substantial contract value and potential for extensions present lucrative prospects for suitable suppliers, especially those aligned with DWP’s operational and policy requirements. Small and medium enterprises are encouraged to apply, offering innovative solutions to meet the projected growth in user accounts and support government policy effectively.

## Notice

The Department for Work and Pensions (DWP) ("the Authority") has an obligation to protect public funds and to ensure wherever possible, overpayment and penalty debt is recovered subject to legislative limitations and safeguards. It is Government policy to recover all debt where it is reasonable and cost effective to do so without causing undue financial hardship to debtors. The DWP is undertaking a competitive flexible procedure to appoint a supplier to provide a commercial off the shelf (COTS) software as a service (SaaS) debt management system to meet DWP requirements and manage the recovery of debt and other monies owed to the Government, allowing the DWP to recover over PS2billion of debt annually. The contract will include the design, configuration, testing, support to migration from the existing platform and post go live support. The duration of the contract will be up to 8 years (Initial Term) with the option to extend the Initial Term by one or more extension periods provided that the aggregate of any such extensions is no greater than 36 months. The estimated value of the contract over the Initial Term of the contract (8 years) is up to PS47,000,000.00 (excluding VAT). This figure has been calculated from past and forecasted spend and shall not be taken by Suppliers as a commitment or a forecast of likely revenue. The estimated total contract value (inclusive of any options) is up to PS79,800,000.00 million (excluding VAT). This value has been calculated based on indicative volumes provided within the specification and any future initiatives and optional services. The total published contract value as published in this Tender Notice (UK4) is an indication to the market of the maximum amount which could be spent through this contract and shall not be taken by Suppliers as a commitment or a forecast of likely revenue. The supplier will support the implementation of the SaaS system and provide support for any future upgrades and modifications in-life. The scope of the SaaS includes: * Software as a Service (SaaS) debt management solution to meet DWP functional and non-functional requirements * User friendly modern debt collection and management capabilities * Flexible and business user configurable * Hosted in the UK with 99.9% availability * Scalable to meet projected growth in accounts and users * Innovative future roadmap * Implementation of a SaaS debt management solution * Design and configuration * Integration to DWP architecture * Migration of data from current solution * Testing and assurance * Training and knowledge transfer * Supplier project management * BAU support for a SaaS debt management solution * Service desk * System maintenance * Performance monitoring * Change management support The geographical scope of the Future Debt Solution will be for Great Britain and Northern Ireland.

### Lot Information

Lot 1

Options: Optional services are defined as services that are not part of the core deliverables and will only be implemented at DWP's discretion, subject to the appropriate contract modification process, and in-line with Procurement Act 2023.

Renewal: The duration of the contract will be up to 8 years (Initial Term) with the option to extend the Initial Term by one or more extension periods provided that the aggregate of any such extensions is no greater than 36 months. Any extensions will be at the sole discretion of the Authority.

### Planning Information

DWP have previously undertaken informal market engagement with a small select group of suppliers to explore the core Debt Management Systems capabilities in the market, this exercise helped the department consider what capabilities are standard in the market to ensure effective competition in a fair and transparent manner. 
In August 2024 DWP undertook initial early market engagement and in February/March 2025 undertook a “deeper dive” into the debt management system market to assess market level capability further and to determine whether and with what level of confidence the COTS market could meet DWPs needs. 
DWP used the Market Assessment to determine: 
1) the Market’s ability to meet DWPs Functional Requirements 
2) the Market’s ability to meet DWPs Non-Functional Requirements 
3) the Market’s ability to deliver key Business Scenarios representative of DWPs more complex Functional Requirements 
4) Indicative Delivery Timescales to deliver a solution that meets DWP’s needs, with an understanding of the risks, assumptions and dependencies surrounding these timescales 
5) Supplier Delivery Costs which may be incurred in delivering a COTS solution and Operating Costs over the contract term 
Participating suppliers were sent two Information Requests which outlined Functional and Non-Functional Requirements and gave details of seven Business Scenarios which represented DWPs more complex functional requirements. Suppliers were asked to respond to the Information Requests and demonstrate in a Workshop how they would deliver the Business Scenarios as well as responding to questions on their delivery plans and timescales. 
Based on the Market Assessment DWP has concluded that the market for COTS debt management systems could meet its requirements. 
1. Functional Requirements: we have a high degree of confidence that the market can meet DWPs Functional Requirements. 
2. Non-Functional Requirements: we have a high degree of confidence that the market can meet DWPs Non-Functional Requirements. 
3. Business Scenarios: A level of confidence that the Market could deliver DWP’s complex customer journeys. 
4. Delivery Timescales: A level of confidence that DWP’s requirements could be met within 18 -24 months. 
DWP specific requirements are still evolving, and we will share our high-level requirements at a further virtual Supplier briefing which will take place on Wednesday 11th June 2025. Suppliers may register their interest in attending until 12:00hrs Thursday 5th June 2025. 
To receive the invitation to this event suppliers will need to contact stephen.wardle@DWP.gov.uk by 5th June 2025 when an NDA will be provided to be signed to gain access to the Event. NDAs will be required to be signed by yourselves by 12:00 on 10th June 2025.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/000698-2026 |
| Notice type | UK4 - Tender Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Selective |
| Procurement method details | Competitive flexible procedure |
| Tender suitability | SME, VCSE |
| Awardee scale | Not specified |
| All stages | Planning, Tender |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 6 Jan 2026 |
| Submission deadline | Not specified |
| Future notice date | 7 Jan 2026 |
| Award date | Not specified |
| Contract period | 14 Jan 2027 - 13 Jan 2035 |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | £79,800,000 |
| Lots value | £79,800,000 |
| Awards value | Not specified |
| Contracts value | Not specified |

## Status

| Field | Value |
| --- | --- |
| Tender status | Active |
| Lots status | Active |
| Awards status | Not specified |
| Contracts status | Not specified |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | DEPARTMENT FOR WORK & PENSIONS |
| Additional buyers | DEPARTMENT FOR WORK AND PENSIONS |
| Locality | LONDON |
| Post town | South West London |
| Postcode | SW1H 9NA |
| Country | England |
| ITL 1 | TLI London |
| ITL 2 | TLI3 Inner London - West |
| ITL 3 | TLI35 Westminster and City of London |
| Local authority | Westminster |
| Electoral ward | St James's |
| Westminster constituency | Cities of London and Westminster |
| Delivery location | Not specified |

## CPV Codes

### Divisions

- 48 - Software package and information systems
- 72 - IT services: consulting, software development, Internet and support

### Codes

- 48100000 - Industry specific software package
- 48442000 - Financial systems software package
- 72212440 - Financial analysis and accounting software development services

## Release History

- 6 Jan 2026 at 14:11 - Tender - UK4 - Tender Notice - https://www.find-tender.service.gov.uk/Notice/000698-2026
- 8 Dec 2025 at 15:27 - PlanningUpdate - UK3 - Planned Procurement Notice - https://www.find-tender.service.gov.uk/Notice/080710-2025
- 9 Sep 2025 at 14:10 - PlanningUpdate - UK3 - Planned Procurement Notice - https://www.find-tender.service.gov.uk/Notice/055087-2025
- 3 Sep 2025 at 09:48 - Planning - UK3 - Planned Procurement Notice - https://www.find-tender.service.gov.uk/Notice/053438-2025
- 3 Jun 2025 at 12:45 - PlanningUpdate - UK2 - Preliminary Market Engagement Notice - https://www.find-tender.service.gov.uk/Notice/029508-2025
- 2 Jun 2025 at 17:30 - Planning - UK2 - Preliminary Market Engagement Notice - https://www.find-tender.service.gov.uk/Notice/029329-2025
- 21 May 2025 at 13:26 - Planning - UK2 - Preliminary Market Engagement Notice - https://www.find-tender.service.gov.uk/Notice/023986-2025

## Documents

- https://www.find-tender.service.gov.uk/Notice/000698-2026
  6th January 2026 - Tender notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/080710-2025
  8th December 2025 - Planned procurement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/055087-2025
  9th September 2025 - Planned procurement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/053438-2025
  3rd September 2025 - Planned procurement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/029508-2025
  3rd June 2025 - Preliminary market engagement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/029329-2025
  2nd June 2025 - Preliminary market engagement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/023986-2025
  21st May 2025 - Preliminary market engagement notice on Find a Tender

## Notice URLs

- https://dwp2.my.site.com/ProSpend__eSourcing_Community_Registration?locale=uk
- https://dwp2.my.site.com/s/Welcome
- https://suppliersupport.atamis.co.uk/hc/en-gb
- https://www.gov.uk/find-tender
- https://www.gov.uk/government/collections/dwp-procurement-policies-and-procedures
- https://www.gov.uk/government/publications/dwp-procurement-security-policies-and-standards
- https://www.gov.uk/government/publications/security-policy-framework/hmg-security-policy-framework
- https://www.gov.uk/guidance/make-things-accessiblewhich
- https://www.legislation.gov.uk/ukpga/2023/54/contents

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-h6vhtk-051b05. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-051b05.json.