About Us

Established 2005

We started training and trading in 2005 via www.GetPaidOnTime.co.uk our founder, Patrick Horne, has worked in collections and other roles in regulated finance houses and lenders from 1988.

Our Training Model

Over the years we have evolved our training model to incorporate best practice, technology and trends.

After many years of providing training in Credit Control, Debt Recovery, Collections, Telephone Collections, Litigation both on open courses throughout the UK and bespoke to a company’s requirement, we made a decision towards the end of 2016 to develop and refine our training specifically to the highly regulated Consumer Credit, Mortgage and Claims Management sector.


Having been active for many years with the Office Of Fair Trading, which was subsumed into the Financial Conduct Authority in April 2014, we have provided many years of guidance to firms operating within the consumer credit and claims management sector.

We are also engaged with consumer credit compliance we have built up an unrivalled knowledge of the rules and guidance in the FCA sourcebooks which affect the sector the most [CONC & MCOB] and from this we have made our offering www.conc7.co.uk

what is CONC7 you may ask?

The definition of the FCA Consumer Credit Sourcebook [CONC] is CONC 7 Arrears, default and recovery & MCOB 13 which is at the heart of what we do.

About Patrick

Patrick is also an approved person on the FCA register and is engaged with a number of regulated businesses.

Call us 01942 818631 to organise your training.

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