Field Work

Standard

Our agent attends the supplied address and attempts to interview the debtor to determine the reason(s) for non-payment.

If the debtor is present at the address we attempt to collect the arrears on an account, or if requested the full balance. Failing that, we attempt to obtain at least a token payment. We also attempt to obtain an offer of an ongoing repayment arrangement. Whilst taking the details of their offer, the agent informs the debtor that the offer will be referred to the creditor for review and not accepted until they receive confirmation of same from the creditor.

Whether the debtor makes a payment or not, we attempt to obtain or update their contact details including home phone, mobile phone, work phone, employer name and position title or benefit type.

Whilst on the premises we note the details of all vehicles (make, model, registration and value) on the premises as well as furnishings that are visible from the agents position at the front door. We also report the physical description of the property (construction, size, maintenance) and the description of the person interviewed (name, age, height, weight and hair colour). Please note, we do not report the ethnicity of the interviewee.

If the debtor has absconded from the address, we interview the occupant and neighbours with a view to obtaining the managing/selling agents details and if possible a forwarding address.

Detailed

As per the standard field call with the addition of the completion of a six page detailed financial position questionnaire.(The questionnaire is an altered form of an examination hearing questionnaire)

Our agent explains to the debtor that it is in their best interests to answer the questions, as the information supplied allows the creditor to better assess their situation and determine an appropriate repayment arrangement.

(An additional fee applies to this type of attendance, reflecting the extra time it takes to complete a six page asset & liability statement.)

First Contact

Our agent attends the given address interviews the occupants, with a view to determining if there is an occupant matching the supplied details. Once this persons details have been confirmed as corresponding with the information you have supplied our agent will then have them contact your office.

The information usually used to confirm the identity is :

  1. a date of birth
  2. a debtors previous addresses
  3. a debtors drivers licence details

(at least one of the preceding needs to be supplied to allow us to perform this service)

Reference

Our agent attends the supplied address and interviews the reference of the debtor in the hopes of supplying a lead as to the debtors’ current whereabouts.

Document Pick Up

Our agent attends the supplied address and collects the specified documents.

Assess Goods

Our agent attends the supplied address and conducts a lay inspection of the mortgaged goods in question, confirming the presence of the goods at the address as well as the apparent damage and maintenance levels.

Please note: Our agents are not licensed assessors, any assessments on either motor vehicles or properties are an experienced lay opinion only and not a professional valuation. If a professional valuation is required this can be organised.

Local Court Examination Hearing Attendances

Our agent attends the specified local court and waits for the defendant to arrive.

If the defendant attends the hearing, an examination questionnaire is completed. We can either use our seven (7) page questionnaire or one you supply.

If the defendant refuses to answer the questions, the matter is then taken to the presiding registrar and a request is made for either a warrant or an adjournment.

If the defendant does not arrive, authority for the creditor to seek a warrant of apprehension is requested, which the court will then forward to your office (or your solicitors).

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