Paul Mitton
Director, StrategicGrowth, Harbour Credit
Managing outstanding debt is one of the more stressful financial situations a person can face. In many cases, the barrier to resolution is not willingness but difficulty engaging with the process at all.
Harbour Credit has launched in the Irish market to address exactly that. Harbour Credit is a trading name of Pepper Finance Corporation Ireland DAC, which is regulated by the Central Bank of Ireland. It will provide services to a broad range of sectors, from banks and auto finance providers to utilities and telecoms and others. The same customer-focused standards apply across all areas.
Working with and for customers
The starting point in every case is conversation. The focus is on understanding each customer’s circumstances and finding a resolution that is genuinely sustainable. That might mean a payment plan, a revised arrangement or a negotiated settlement.
The goal in each case is the same: an outcome the customer can maintain. Across sectors, from loan arrears to an unpaid utility bill, the same collaborative, sustainable approach applies.
How AI is changing the experience
Traditionally, resolving financial challenges meant phone calls during working hours, lengthy waiting times and a process that felt rigid and impersonal. AI-powered engagement changes that, especially conversational and voice-based agentic AI.
The starting point in every case is conversation
Customers will be able to interact at a time that suits them, receive clear information about their options and move through the process at their own pace, while our team ensures complex or sensitive situations receive the personal attention they need.
The case for earlier engagement
Earlier engagement almost always leads to better outcomes. The longer an account remains unresolved, the fewer options are available. For anyone who has received a letter about an outstanding account, whether from a bank, a telecoms provider or a utility company, the most important step is simply to respond. Harbour Credit is here to help make that first step easier to take.
