Established in 1997, and celebrating its 25th year, Ardent Credit Services Ltd, a Phillips & Cohen Associates Company provides 1st or 3rd party early arrears collections and 3rd party debt recovery services with long-standing blue chip client relationships.

Ardent leverages its digital capabilities alongside traditional collection methods to deliver a tailored and targeted approach to collections with circa 60% of all payment transactions now digitally self-served.

Our vision is to be recognised and respected as a market leader in the provision of collection and debt recovery services whilst putting customers and their interests at the heart of our decisions.

Strong customer satisfaction scores underpin this vision with 94% of responses scoring Ardent as "very helpful" or "helpful" across 107,000 customers surveyed with a 19% response rate of 20,000 customers (Feb 2022).

Our 3 core values:

Passionate - We feel strongly and emotive about about getting things right.
Dedicated - We understand what's important and apply the right level of effort.
Thoughtful - We carefully consider our approach and take the right actions.