---
title: "Provision of Debt Collection Services"
ocid: "ocds-h6vhtk-06eabf"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-06eabf"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-06eabf.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-06eabf.json"
source: "Find A Tender Service"
current_stage: "Planning"
buyer: "HM Revenue & Customs"
published: "2026-08-24"
---

# Provision of Debt Collection Services

Buyer: HM Revenue & Customs  
Current stage: Planning  
OCID: ocds-h6vhtk-06eabf

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## Summary

HM Revenue & Customs is exploring third-party debt collection services across the UK. The potential requirement covers the end-to-end recovery lifecycle: managed collection and agency services, debt placement, segmentation and treatment strategies, customer contact, digital self-service repayments, affordability assessment, Open Banking-enabled solutions, tracing and data enrichment, analytics and predictive modelling, vulnerability support, domestic and overseas recovery, business debt recovery, fraud and error analysis, reporting, and continuous improvement. The intended service would support fair and compliant recovery of government debt, appropriate treatment of debtors, improved customer experience, operational resilience and value for money. It may also involve managing multiple agencies and recovery channels, debt prevention and early intervention, flexible scaling, and secure handling of data. Relevant CPV classifications include collection agency services and financial consultancy services.

This procurement is at the planning stage and is currently a preliminary market engagement, not an invitation to tender. HMRC expects responses to the engagement by 28 September 2026 at 23:59. The buyer is considering a contract beginning on 6 September 2028 and ending on 5 September 2036, with a maximum term of up to eight years, although the final term may be shorter. The indicative estimated value is £350 million excluding VAT, or £420 million including VAT, based on the maximum term and subject to the final scope, duration, delivery model and approvals. One lot is currently planned. HMRC has not settled the commercial model, procurement route, lotting structure or supplier numbers; a framework is one option under consideration. Further engagement may cover delivery, fees, technology, artificial intelligence, transition, vulnerability and supply-chain resilience.

The future requirement is likely to suit debt collection agencies, recovery specialists, financial and technical consultants, data and tracing providers, analytics and predictive-modelling firms, digital repayment specialists, Open Banking and affordability technology providers, and organisations supporting vulnerable customers. Suppliers with integrated end-to-end recovery capability may be well placed, as HMRC is testing how capabilities can be combined across collection, segmentation, customer engagement, affordability, data, reporting and operational management. Experience of domestic, international or business debt recovery, multi-agency delivery, automation, scalable customer contact and continuous improvement would be relevant. The service is expected to require compliance with applicable regulation, security and data protection requirements. HMRC is also seeking practical proposals for measurable social value, including employment, apprenticeships, training, skills development, SME and VCSE participation, resilient supply chains, innovation and wider community benefits. This is preparation for a possible future procurement, not a bid opportunity now.

## Notice

HMRC is inviting suppliers to take part in pre-market engagement to help us understand market capability, appetite and delivery options for future third-party debt collection services. HMRC wants to understand what the market can offer across the end-to-end debt recovery lifecycle, including debt collection, debt analytics, affordability assessment, data enrichment, customer engagement, vulnerability support and related debt collection services. HMRC is particularly interested in understanding how suppliers can combine these capabilities to ensure debts are collected fairly and sustainably, including the identification and ethical treatment of vulnerable customers, improved recovery outcomes, customer experience, operational resilience and value for money. The services HMRC may need could include, but aren't limited to: * Managed debt collection services * Debt collection agency services * Debt placement and allocation services * Debt segmentation and treatment strategy services * Customer contact and engagement services * Digital self-service repayment solutions * Affordability assessment services * Open Banking enabled repayment and affordability solutions * Data enrichment and tracing services * Debt analytics and predictive modelling services * Vulnerability identification and support services * Overseas debt recovery services * Business debt recovery services * Fraud, error and debt analytics services * Management information, reporting and performance analytics * Continuous improvement and debt recovery optimisation services These products/services are expected to be key enablers to deliver the following capabilities: * Recovery of Government debt in a fair, proportionate and compliant manner * Management of multiple debt collection agencies and recovery channels * Identification of the most appropriate treatment strategy for individual debtors * Improved ability to contact customers through data enrichment and tracing * Affordability and vulnerability assessment to support sustainable customer outcomes * Use of data, analytics and automation to improve recovery performance * Segmentation of debt portfolios based on risk, propensity to pay and customer circumstances * Provision of digital repayment channels and self-service options * Management of domestic and international debt recovery activity * Delivery of actionable management information and performance reporting * Support for debt prevention, early intervention and improved repayment outcomes * Continuous improvement, innovation and operational resilience * Compliance with relevant regulatory, security and data protection requirements * Flexible scaling of services to respond to changing debt volumes and customer demand HMRC is at an early stage of considering delivery and procurement options. No decision has been made on the future commercial model, procurement route, contract term, lotting structure or number of suppliers. This engagement is focused on social value, however HMRC may run further pre-market engagement on other topics in the future, for example delivery model, commercial/fee model, lotting, AI & technology, transition planning, vulnerability identification and management or supply-chain resilience. Contract Overview: Contract value: The estimated values within this notice are indicative only and based on a maximum possible term currently being considered. The final estimated value will depend on the confirmed contract duration, scope, delivery model and internal approvals. If HMRC elects to place a shorter contract, the estimated value is expected to reduce accordingly. Contract term: Maximum contract term currently being considered: up to 8 years, although the final term may be shorter. Procurement route: To be confirmed. A framework may be used, but other routes may be considered.

### Planning Information

1. Background
HMRC is the UK's tax, payments and customs authority, and we have a vital purpose: we collect the money that pays for the UK's public services and help families and individuals with targeted financial support.
We're using this engagement to test our thinking on social value and understand what suppliers could deliver through any future contract. This includes contract-attributable benefits linked to economic growth, skills, employment, supply-chain resilience, innovation, SMEs, VCSEs and wider community outcomes.
This Preliminary Market Engagement Notice is issued for engagement and market-testing purposes only. It doesn't constitute a formal tender, pre-qualification process or invitation to negotiate, and it doesn't represent a commitment by HMRC to procure any services.
Participation in this engagement won't confer any advantage or disadvantage in any future procurement. HMRC will take appropriate steps to maintain transparency, equal treatment and fair competition, including sharing relevant information from engagement activity where appropriate and ensuring any future procurement timetable is proportionate.
HMRC may decide not to proceed with a procurement, may proceed using a different scope or structure, or may undertake further preliminary market engagement on additional topics before progressing further. Any future procurement remains subject to internal approvals and the requirements of the Procurement Act 2023 and associated Regulations.
2. Key details
Please first register on HMRC's eSourcing system Ariba.
You can register at the following link: http://hmrc.sourcing-eu.ariba.com/ad/selfRegistration
Following registration on HMRC Ariba, please contact Charlotte Speakes charlotte.speakes@hmrc.gov.uk
3. Future procurement
If HMRC proceeds to a formal procurement, the relevant notice will be published in line with the applicable procurement requirements. Suppliers who don't respond to this Preliminary Market Engagement Notice won't be excluded from participating in any future tender.
If your organisation has relevant experience or capability in this area, we'd welcome your input.
4. Further details for registering for any future procurement
Part A - register on HMRC SAP Ariba
Any future procurement relating to this engagement will be conducted by way of an e-Sourcing event using HMRC's SAP Ariba e-Sourcing portal.
You must ensure you're registered with the e-Sourcing portal to gain access to any future procurement documentation if released, which will contain full details of any future requirement.
If you are not already registered, the registration link is: http://hmrc.sourcing-eu.ariba.com/ad/selfRegistration
As part of the registration process you will receive a system generated email asking you to activate your SAP Ariba supplier account by verifying your email address.
Once you have completed the activation process you will receive a further email confirming the 'registration process is now complete' and providing you with 'your organisation's account ID' number.
If an email response from HMRC is not received within one working day of your request, please re-contact;
sapariba.hmrcsupport@hmrc.gov.uk (after first checking your spam in-box) notifying them of non-receipt and confirming the date when your registration request was first made.
Part B - receiving further information
Once you have obtained 'your organisation's account ID' number, please email charlotte.speakes@hmrc.gov.uk with the following information:
- Sourcing Request number SR965136994
- Your organisation's HMRC SAP Ariba account ID
- Your organisation name
- Your name
- Your email address
- Your telephone number
Once you've completed the above, you'll receive an email confirming access to any future procurement event if it is built.
Additionally, should HMRC have any further questions for interested Suppliers prior to the event being published (in terms of market engagement and requirement development), the above provided contact details will be used.
Further information about HMRC's procurement tool SAP Ariba, a supplier's guide and general information about supplying to HMRC is available on the HMRC website:
www.hmrc.gov.uk/about/supplying.htm
If you have already registered on SAP Ariba then you may also need to re-register on HMRC's SAP Ariba to be added to this event.
Further details on registering for public procurements
Suppliers who wish to participate in public procurements are required to register on the Government's Central Digital Platform (CDP).
Suppliers can submit their core supplier information and, where a procurement opportunity arises, share this information with HMRC via the CDP.
It is free to use and will mean you should no longer have to re-enter your core supplier information for each public procurement, but ensure it's up to date and subsequently share as needed.
The CDP is available at https://www.gov.uk/find-tender.
Instructions
We're using this engagement to test our thinking on social value before any formal procurement.
For clarity, this engagement doesn't form part of a formal invitation to tender. It's being conducted in accordance with the Procurement Act 2023, including the principles of transparency, equal treatment and fair competition. Suppliers won't be scored or evaluated on the information provided at this stage.
There's no obligation on either party, and anything that you contribute to the informal engagement will provide neither advantage nor disadvantage to the success of any participation in a formal process.
We may use the feedback to shape the social value approach and decide whether separate market engagement would be helpful on other areas before finalising our approach.
Additional information on Social Value
HMRC intends to apply the prevailing Social Value Model requirements applicable at the time of any future procurement. Suppliers are invited to provide views on the social value outcomes most relevant to this requirement, particularly those relating to jobs, skills, workforce development, supply chain resilience and wider community benefits.
Social Value will focus on additional benefits delivered through the contract, rather than existing corporate initiatives or business-as-usual activity.
HMRC is seeking market insight on how the requirement could contribute to the UK Government's Social Value Mission, "Kick Start Economic Growth", including opportunities relating to skills development, support for SMEs and VCSEs, innovation and resilient supply chains.
Social value pre-market engagement questions
Question 1. What contract-attributable employment, apprenticeship, training or professional-development outcomes could reasonably be delivered through the contract, particularly for people from under-represented or disadvantaged groups?
Question 2. Are there opportunities for this contract to improve social mobility, employability or financial capability for individuals and communities, particularly those facing barriers to employment?
Question 3. What opportunities exist to create employment or economic benefits in regions with higher levels of economic inactivity or deprivation through delivery of this contract?
Question 4. What specific training, accreditation or skills-development opportunities could suppliers deliver that would leave a sustainable skills legacy beyond the life of the contract?
Question 5. What economic growth outcomes and metrics would be most appropriate, measurable and proportionate for this contract (e.g. jobs created, training hours, apprenticeships, local investment)?
Question 6. How could HMRC structure contracting and its operating model to encourage meaningful participation by SMEs, VCSEs, mutuals, social enterprises, start-ups and other smaller UK businesses within both contract delivery and the supply chain?
Please consider:
- measures to remove barriers to entry and participation
- approaches that support a diverse, resilient and innovative supply chain
- opportunities for supplier development, mentoring, skills transfer and business growth
- how participating organisations could be left stronger and more sustainable than when they entered the contract
- How could innovation, technology or process improvements within debt collection activities drive productivity gains and wider economic benefits for UK citizens, businesses and government?
Question 7. What metrics and evidence would most effectively demonstrate successful SME and VCSE participation and growth throughout the life of the contract?
Please comment on the suitability of measures such as:
- percentage of contract spend
- number of active suppliers
- onboarding of new suppliers
- supplier retention
- training and development delivered
- business growth outcomes
- innovation outcomes
Please identify any alternative measures you would recommend.
Question 8. What long-term economic and social value benefits could be generated from this contract, and what contractual or operating models could support their delivery?
Please consider elements such as milestones, KPIs, evidence and affordability in your response.
Responses should ideally be limited to 500 words per question. Bullet points are welcomed where appropriate.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/080458-2026 |
| Notice type | UK2 - Preliminary Market Engagement Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Not Specified |
| Procurement method details | Not specified |
| Tender suitability | Not specified |
| Awardee scale | Not specified |
| All stages | Planning |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 24 Aug 2026 |
| Submission deadline | Not specified |
| Future notice date | 28 Sep 2026 |
| Award date | Not specified |
| Contract period | 6 Sep 2028 - 5 Sep 2036 |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | £350,000,000 |
| Lots value | Not specified |
| Awards value | Not specified |
| Contracts value | Not specified |

## Status

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

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | HM Revenue & Customs |
| Locality | LONDON |
| Postcode area | South West London |
| Postcode | SW1A 2BQ |
| 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

- 66 - Financial and insurance services
- 71 - Architectural, construction, engineering and inspection services
- 75 - Administration, defence and social security services
- 79 - Business services: law, marketing, consulting, recruitment, printing and security

### Codes

- 66171000 - Financial consultancy services
- 71621000 - Technical analysis or consultancy services
- 75112000 - Administrative services for business operations
- 75120000 - Administrative services of agencies
- 75130000 - Supporting services for the government
- 79200000 - Accounting, auditing and fiscal services
- 79400000 - Business and management consultancy and related services
- 79940000 - Collection agency services

## Release History

- 24 Aug 2026 at 15:15 - PlanningUpdate - UK2 - Preliminary Market Engagement Notice - https://www.find-tender.service.gov.uk/Notice/080458-2026
- 24 Aug 2026 at 15:04 - Planning - UK2 - Preliminary Market Engagement Notice - https://www.find-tender.service.gov.uk/Notice/080444-2026

## Documents

- https://www.find-tender.service.gov.uk/Notice/080458-2026
  24th August 2026 - Preliminary market engagement notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/080444-2026
  24th August 2026 - Preliminary market engagement notice on Find a Tender

## Notice URLs

- http://hmrc.sourcing-eu.ariba.com/ad/selfRegistration
- https://www.gov.uk/find-tender
- 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-06eabf. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-06eabf.json.