Our Collection Process

When you list a debt with us, it is loaded into our system and allocated a reference number. We then take immediate steps to collect the debt.  The below steps are how a typical collection is made.

1. Debt received from client and reference number allocated.
2. Immediately start correspondence with your debtor with 7 day letters ( Maximum of 3 letters sent )
3. Personal telephone calls are also made during this time to ensure maximum communication and a report is established with your debtor.
4. Payment is then either received in full or an agreed payment schedule is set up via automatic payment.

Should the debtor still be unresponsive and there is no dispute, the following actions could be taken.

1.   Default listing – List the debtor and debt with a credit reporting agency.
This will affect the individuals/companies credit rating for 5 years.

2.   Personal visit – We can arrange for one of our field agents to visit the debtor to obtain payment, or collect a completed automatic payment authority.

3.   Legal action – This would be the last step and what action is taken would depend on whether the debtor is an individual or a company.  The following is a guide on what options are available. 
For a more detailed description of the legal terms visit our Legal Proceedings page or alternatively contact one of our representatives.

A.      Notice of Proceedings & Statement of Claim
B.      Entry of Judgement
C.      Examination Order
D.      Statutory Demands