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The vast increase in commercial and consumer debt and the tightening of the credit market has resulted in huge growth in the debt sale market in the UK. Debt sale is a strategy used by organisations to offload underperforming or risky portfolios of unstructured loans, mortgages and general debt. Selling debt can help balance these risks and can also fix holes in the financial accounts by getting bad debt off the books.

The Credit Services Association estimates that £7 billion to £8 billion in

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