Collection Services


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Transaction Capital Recoveries provides a comprehensive range of customer management and capital solutions to South Africa’s largest credit providers.

It's core service is the collection of accounts receivable across the credit lifecycle, including early stage rehabilitation, late stage collections and legal recoveries, using both call centre and legal collections. Capital solutions are provided in the form of distressed debt purchasing and structural outsourcing.



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Recoveries Corporation Group was founded in 1991 in Melbourne Australia and provides consumer customer management solutions to a well-diversified client base within the government, insurance, banking and finance, utilities and telecommunications market sectors within Australia.

Services include debt recovery solutions, insurance claims recoveries, customer services and litigation management services. Recoveries Corporation employs approximately 600 staff in Australia and its call centre and corporate services centre in Suva, Fiji.

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Empowers South African consumers with the knowledge of their personal credit information.







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Transactional Services


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Transaction Capital Payment Solutions (previously known as BDB), specialises in delivering customised, innovative, flexible and tailor-made services to suit your business needs.





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Accsys is recognised as an award-winning software company in South Africa, specialising in People Management Solutions. They offer payroll, human resource management, time & attendance solutions, access control, biometrics and employee self-service as well as recruitment and outsourcing.




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FIHRST offers South African employers payroll management service enabling organisations to achieve greater levels of efficiency and employee service.

FIHRST has been chosen as the preferred payments partner by more than 1,250 employer groups of all sizes across all sectors of the economy, representing 850,000 employees. FIHRST is recognized by and works in partnership with the majority of third-party payroll organizations including pension fund and medical aid administrators.


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Specialised Credit


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Transaction Capital Business Solutions, provides business support and working capital finance to SMEs that may not otherwise have access to credit, thereby facilitating both SME growth and job creation.




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Our operations as at 31 March 2021



Highlights:
  • Investment into SA NPL Portfolios ▼ to R353 million from R483 million in HY20
  • Investment into Australia NPL Portfolios ▼ to R32 million from R73 million in HY20
  • Revenue from principal collections ▲ 12%



Our portfolio:

NPL Portfolios with a carrying value of R2 705 million
201 contingency & fee-for-service client mandates in South Africa
120 contingency & fee-for-service client mandates in Australia
70 contingency & fee-for-service clients in South Africa
45 contingency & fee-for-service clients in Australia

Societal relevance

TCRS' activities broadly contribute to the efficiency and effectiveness of the South African and Australian credit systems. This includes the acquisition of distressed book debts, which assists clients to strengthen their balance sheets by accelerating cash flow and removing non-performing loans (NPLs), thus improving their ability to continue providing debt finance into the consumer market.

It also assists clients to lend responsibly, to identify which consumers to lend to, and to then collect successfully. This supports the affordability of credit by mitigating unnecessary pricing for risk.

In undertaking collections, the primary focus is on rehabilitating indebted consumers by helping them understand the importance of repaying their debts as a legal obligation, and structuring payments in a manner they can afford. This contributes to indebted consumers remaining active participants in the credit system.