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A division of OCC Recovery Services For litigation funders

OCC ClaimsAsset Management.

Private equity discipline for claims assets. A functioning OCC department that sources, values, acquires, manages and realises distressed claim books, with funders as capital partners.

Litigation fundersFunders of fundersSecured lendersCo investors
£0bnFCA motor finance redress, scheme live and under legal challenge
0magreements eligible
0mOCC claims capacity per month
0OCC AI valuation engines
On this page
The sector map

One redress event, a stacked structure

Built from the structural pattern across the sector. Many funders are themselves funded by larger funders, lending to high-volume claims firms whose only real asset is a claim book pinned to a single redress event. Tap any node.

Concentration risk Capital and operators Firm collapse Funder failure OCC resolution layer

Tap a node to read the verified detail behind it.

What went wrong

The cascade, in numbers

The failures behind the constellation. The same model each time: debt advanced into firms whose only asset is a claim book pinned to one redress event. When the cases or the economics turned, the firm collapsed and the funder followed.

£0m
Visible LF exposure tied to administrations, OCC sector tracking estimate, 2021 to 2026
£0m
Katch Legal Lending Fund put into liquidation
£0m
SSB Group debt at administration, the collapse template
£0m
LCM half-year loss after case defeats, shares collapsed

Cumulative visible LF exposure locked in administration

OCC sector tracking estimate. Milestone view, indicative.

£13.5m
2021
Affiniti Finance era
SSB ~£205m
2024
SSB Group drives the spike
£237.3m
2026
Cumulative estimate
The evidence

Why the asset is mispriced

The shape of a distressed claim book. Illustrative figures, not attributed to any named firm, drawn to show the sector concentration thesis.

Concentration today versus the CAM mandate

Illustrative category mix. CAM operates a hard diversification mandate.

The value bridge: book value to realisable equity

Illustrative distressed claim book, not specific to any named firm. Shows how charges, pledges and assignments can leave little equity.

Recovery to date against the book

Illustrative only, not specific to any named firm.

Where collections lag far behind a stated book value, realisable cash can be a small fraction of the headline.

Early entry versus buying after collapse

Illustrative outcome comparison. Early detection is the highest value capability.

High
Detected and acquired early
Low
Bought after administration
How the department works

Six operating functions

Function 01

Origination and early detection

UKFCI surfaces firms under pressure before assets formally reach the market.

Function 02

Valuation and due diligence

The acquisition engine scores recoverable equity and screens out dead weight.

Function 03

Acquisition and capital

Syndicate capital funds the purchase under OCC structuring and pricing.

Function 04

Portfolio management

Acquired books onboard to the platform and are managed operationally from day one.

Function 05

Realisation

Prosecute through an OCC claims entity or allocate to selected platform firms.

Function 06

Investor reporting

Lender grade reporting and portfolio dashboards for every capital partner.

The department behind the department

CAM runs on the OCC Recovery Services engine

CAM does not work in isolation. It sits inside OCC Recovery Services, the rescue and turnaround team. The same capability that diagnoses, stabilises and reports on a distressed firm is what sources, prices and de-risks the books CAM acquires.

Stage 01

Diagnose

Rapid assessment of financial, operational and portfolio health.

Feeds CAM the target shortlist.
Stage 02

Analyse

UKFCI data and the platform deliver insight, valuation and forecasts.

Feeds CAM the acquisition price.
Stage 03

Stabilise

Operational intervention to improve performance and cash conversion.

Protects value before transfer.
Stage 04

Report

Lender grade reporting to support refinancing and rebuild confidence.

Underwrites the funder case.
Stage 05

Rescue or Realise

Refinance, restructure, sell or transfer claim portfolios.

The route into CAM ownership.

Claim Book Valuation

Feeds CAM

Automated, risk adjusted valuation on OCC AI Platforms. The acquisition engine that decides what CAM buys and what it walks away from.

Business Recovery

Feeds CAM

Operational turnaround and stabilisation. Keeps an acquired book performing rather than decaying after purchase.

Refinancing Support

Feeds CAM

Lender and investor ready reporting. An alternative to acquisition, CAM can refinance a viable firm instead of buying the book.

Portfolio Intelligence

Feeds CAM

UKFCI analytics, benchmarking and risk assessment. The diligence layer CAM underwrites every deal against.

Claim Book Sales and Transfers

Feeds CAM

Packaging and disposal of distressed assets. The transaction mechanics CAM uses both to acquire and to exit.

Funder Support Services

Feeds CAM

Portfolio monitoring and recovery forecasting. Continuous assurance for CAM capital partners across the hold period.

Insolvency and Admin Support

Feeds CAM

Asset review and collect out strategies for officeholders. The IP relationships that become CAM proprietary deal flow before assets reach the market.

Protect the existing book

How we protect your portfolio book

CAM acquires distressed books. ClaimWatch protects the ones you already fund. When a borrower in your portfolio slides toward distress, OCC converts a single claim book under threat into a diversified, processed, multi claim book that keeps servicing your facility, before the operator fails and the book strands.

Risk 01

Concentration

The book is built on one claim type. Recovery lives or dies on a single redress route.

Risk 02

Operator

The borrower is distressed because it cannot work the book at a profit. The asset is stranding.

Risk 03

Timing

The single redress route is under challenge. The payout is uncertain in size and in date.

1

Transfer each client onto a passport

The mandatory first step, before any product. A one off £8.99, theirs for life, with a full file scan, one verified identity and one consent architecture. OCC takes no standing licence and acquires no clients.

2

The scan re prices the book

The same passport scan delivers a claim level Book Quality and Valuation Report. It strips out dead weight and surfaces value no one has priced, against your current carrying value.

3

Twelve claims in twelve months

One product is added per month at £3.99 each. A book that lived or died on a single claim becomes a twelve month sequence of submittable claims across categories.

A small secured spend that protects a large position

The borrower is cash constrained, so you advance the OCC fee as a protective advance folded into your existing secured facility. New claim proceeds flow to your secured position first, including the advance. The borrower survives and keeps the licence. Three aligned interests, one platform.

Protect a large positionDiversify off one redress routeKeep the borrower solventFunder repaid firstRecover a near zero book
Open the full ClaimWatch model

The worked recovery examples and the upside calculator sit on the ClaimWatch model. Those figures are illustrative inputs you set and verify against your own book.

The funder proposition

Why a litigation funder partners with CAM

A

A new asset class

Access claims assets with an independent valuation layer rather than gut feel pricing.

D

Proprietary deal flow

Insolvency practitioners feed distressed books to OCC before competitors see them.

M

Managed exposure

OCC runs origination, diligence and operations. The funder supplies capital, not headcount.

E

Early entry advantage

Buying before administration generally produces better outcomes than buying after collapse.

F

First mover market

The secondary market for claim books is largely undeveloped. CAM is marketplace and operator.

V

Trusted methodology

Repeatable scoring funders can underwrite against, portfolio after portfolio.

Structure and economics

How capital and returns work

Capital

The funder syndicate

  • Funders commit acquisition capital to a managed vehicle
  • OCC sources, prices and structures each acquisition
  • Diversification mandate across five claim categories
  • Deal by deal or pooled commitment, by partner preference
Economics

The OCC position

  • Management fee for diligence, scoring and operations
  • Performance share on realised recoveries
  • Highest margin position is fees and carry, not owning every claim
  • Equity, profit share or management fees across multiple books
Risk and governance

Discipline is the product

No concentration. No unverified positions.

The biggest risk is concentration in PCP car finance. CAM operates a hard diversification mandate, verifies every charge and assignment against the live register before acquisition, and prices the encumbrances in, not out.

Diversification mandateLive register verificationCharges and assignments priced inBuy before administrationIndependent valuation
Build path

Phased, with funders from phase one

Phase 1

Valuation

Prove the scoring engine on live distressed books with funder observers.

Phase 2

Advisory

Sell diligence and operational management to holders, funders and IPs.

Phase 3

Acquisitions

Deploy syndicate capital to acquire, improve and realise selected books.

The ask

Become a founding capital partner.

Litigation funders who understand the asset class and trust the methodology take first position in a developing market. Start with a single detected book and scale from there.

Review the valuation methodologyPilot on one detected bookSet syndicate terms
Make contact

Talk to OCC Recovery Services