We’re Building the Infrastructure for Consumer-First Debt Negotiation

Vera is a regulatory-grade platform that helps people take control of debt by understanding their rights, negotiating with creditors, and resolving problems before they escalate.

Ethical AI. Built for outcomes. Aligned with trust.

The Problem With Debt Collection Today

9 million people in the UK are in problem debt. But the systems chasing them are creditor-first, opaque, and emotionally unsafe.

Vera is building financial recovery infrastructure that flips the model, from extractive pressure to actionable clarity, from shame to resolution.

What Vera Enables: Fast, Fair, and Human-Centered

  • Vera helps people generate creditor-specific, rights-based letters and proposals — instantly and in their own voice.

  • We decode debt letters and legal notices into clear next steps — removing confusion, not just surfacing balances.

  • Track every action taken, see what’s next, and avoid escalation — with structure, not fear.

Live Updates

  • Policy Paper published: AI in Collections — Where Are the Guardrails?

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  • Executive roundtable set for June 2025

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  • FCA sandbox application in motion

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  • Council tax MVP in development

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  • £2M pre-seed round underway to scale recovery infrastructure

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