Phillips & Cohen Associates UK

What Phillips & Cohen Associates UK does

Phillips & Cohen Associates (UK) LTD. is a private financial services firm headquartered in Manchester that has specialised since 1997 in deceased-account resolution, acting as an outsourced partner between creditors (financial institutions, retailers, and service providers) and the estate representatives (executors, administrators, solicitors) handling a deceased customer's affairs. The company is authorised and regulated by the UK Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006) and holds AICPA SOC and ISO certifications, with additional memberships in the Credit Services Association and ACA International. Operations span four countries — the United Kingdom, United States, Australia, and Canada — supported by a workforce of 251-500 employees.

The firm's core technology platform is Estate-Serve℠, a secure online portal providing 24/7 account access, balance visibility, and payment options for estate representatives, complemented by the NotifyNOW service that enables a single bereavement notification to be propagated to multiple service providers. Customer engagement is delivered through phone (six days a week), email, the Estate-Serve℠ self-serve portal, and direct B2B relationships with creditor clients. In October 2025, Phillips & Cohen expanded NotifyNOW's commercial reach through a partnership with UK online retailer The Very Group, extending the offering beyond the firm's legacy creditor base.

Phillips & Cohen operates on a contractual, quote-based B2B services model with creditors, supplemented by estate-representative-facing self-serve tooling. Pricing is not publicly disclosed; no funding rounds, M&A activity, or institutional investor relationships appear in the data, indicating the firm is privately held and likely bootstrapped. The NotifyNOW product line represents a potential platform/SaaS extension to the core services revenue stream.

Name

Phillips & Cohen Associates UK

Legal name

Phillips & Cohen Associates (UK) LTD.

Website

https://phillips-cohen.co.uk

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

Phillips & Cohen Associates (UK) is a Manchester-based financial services firm that, since 1997, has specialised in resolving deceased customer accounts on behalf of creditors (financial institutions, retailers, service providers) by working with estate representatives under FCA regulation.

Ownership category

akta.pro rank

Product category

Debt Recovery Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industry

Personal & Family Trust Services (FSAAANAA)

Keywords

• Deceased account resolution
• Estate account management
• Bereavement notification services
• Creditor debt recovery
• Specialised debt collection

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Deceased Account Resolution Services: Phillips & Cohen Associates provides account resolution services to creditors, helping them resolve accounts of deceased individuals by working with estate representatives. The company has been operating since 1997 serving financial institutions and other creditors.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Phillips & Cohen Associates UK is a financial services company that resolves accounts of deceased individuals on behalf of creditors. The company engages authorised estate representatives (executors, administrators, solicitors) to confirm information, settle balances, and close deceased accounts in compliance with the Consumer Credit Act 1974. It also offers the NotifyNOW bereavement notification service and the Estate-Serve℠ secure online portal for 24/7 account management and payments.

Product overview

Phillips & Cohen Associates (UK) is a financial services company offering deceased account resolution services. The core offering is estate account management, supported by the Estate-Serve℠ secure online portal for 24/7 account access and payments. NotifyNOW is a bereavement notification service that enables customers to notify multiple service providers of a death with one click, streamlining administrative processes for grieving families.

Differentiator

Problem solved

Functional benefit

Brands

• NotifyNOW: A service of Phillips & Cohen Associates that enables customers to notify multiple service providers of a death with one click, designed to reduce stress for grieving families by streamlining the administrative process.
• Estate-Serve℠

Products and services

• Deceased Account Resolution Services Core service where Phillips & Cohen Associates works on behalf of creditors (financial institutions, retailers, service providers) to contact authorised estate representatives, confirm account details, and resolve deceased customer accounts in accordance with the Consumer Credit Act 1974.
• NotifyNOW Bereavement notification service that enables customers to notify multiple service providers of a death with a single interaction, streamlining the administrative process for grieving families and partner organisations.
• Estate-Serve℠ Portal Secure online portal providing 24/7 access to account information, balance details, and payment options for estate representatives managing deceased accounts.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• The Very GroupcoreGTM or Marketing Partner · 21 October 2025The Very Group has partnered with NotifyNOW, a service of Phillips & Cohen Associates, to enhance bereavement customer service. NotifyNOW enables The Very Group's customers to notify multiple service providers of a death with one click, reducing administrative stress for grieving families. This partnership expands NotifyNOW's reach into the UK's online retail sector.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Lowell Group: One of the largest UK debt collection and credit management firms, Lowell purchases and collects consumer debt. Comparable as a direct UK competitor in consumer debt recovery with similar creditor client base and FCA regulation.
• Cabot Credit Management: Major UK consumer debt collection specialist, owned by Encore Capital Group. Competes directly for the same enterprise creditor clients (banks, retailers, telecoms) with overlapping service offerings in consumer credit recovery.
• Pra Group (UK): UK subsidiary of PRA Group, a global debt buyer and collector focused on non-performing consumer loans. Comparable as a regulated UK consumer debt collection firm with enterprise creditor relationships.
• Moorcroft Debt Recovery: UK-based debt collection agency serving consumer and commercial sectors, FCA regulated. Directly comparable as a mid-sized UK collection agency competing for similar creditor clients.
• 1st Credit (UK): UK consumer-focused debt collection and litigation firm, FCA regulated. Similar size and scope to Phillips & Cohen, competing in the consumer collections segment.

Broad incumbents

• Intrum AB: Pan-European leader in credit management services with operations across 20+ markets. Larger incumbent operating broadly in the same debt collection/credit services industry with overlapping enterprise client base.
• EOS Group (EOS UK): German-headquartered global debt collection group operating across Europe. Larger incumbent with broader portfolio including B2B and consumer collections; comparable enterprise sales motion to creditors.
• Hoist Finance UK: European debt purchaser and servicer with UK operations. Specializes in non-performing consumer loans with comparable regulatory framework and enterprise creditor relationships.
• Marston Holdings: UK group encompassing regulated debt recovery, enforcement, and litigation support services. Provides adjacent regulatory compliance and creditor services comparable in enterprise customer base.
• B2Holding ASA: Norwegian-headquartered pan-European debt purchaser and servicer operating across multiple jurisdictions. Comparable as a multi-country consumer debt collection platform with similar scale of operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/phillips-&-cohen-associates
• Facebookfacebook.com/profile.php

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Phillips & Cohen Associates UK