1. PHAKAMANI DEBT COLLECTION SERVICES
PROPOSAL

2. Our Offer to you:
 25% Excl. VAT Contingency Commission – Based on Successful
recovery only
 Monthly reporting done by the 9th of each month
 All payments due to Cell C will be by the 9th of each month
 After 6 Months should the collection be unsuccessful, we hand
back the account at no charge.

3. Collectively have over a century of experience
National debt recovery
Work with a variety of industries
From Current books to bad debt
Pre-Legal to Legal
Year-On-Year Growth 40% collections
Year-On-Year Growth 35% client base
Experience

4. Capacity
Building Size: 50%
Collectors: 28% *
Management: 35% *
Systems and resources: 25%
Admin Staff: 30%*
Marketing: 50%
* Can be doubled based on interviewed and screened Staff
Currently at (of 100%) :

5. Members
Expertise includes: Law, Marketing, Project & Business
management.
Personally give the training to all staff
Are registered with the Council for Debt Collectors
Ensure a low staff turn over (4% per annum)
Expertise
Collectors
Are certified / Registered with the Council for Debt Collectors
Collectively speak 8 out of 11 official languages
Have less than 500 accounts each
Are cycled between accounts (re: personality & approach)
Admin
Capture and import accounts within 72hours.
Respond to client enquiries within 24 hours

6. Success
Dr B Niewhoudt (GP): Successfully collected
over 90% of total outstanding medical book
handed over through our pre legal / soft
collection process.
Makro (MassStores): Collection percentage
exceeded 80% on all accounts handed over
through our pre legal / Soft collection process.
Zone Life Gym: We were able to collect 72%
more than the other collector on their panel.
MVS: Collected Over 6 Million Rand on
Municipal accounts.

7. Variety of industries / Clients…

8. Registered with the Debt Collection Council in terms of the Debt Collection Act (114 of 1998)
A Member of the Association of Debt Recovery Agents (ADRA)
A Member of various Business Forums
BNI (Business Networking International)
BEE Compliant (Level 4)
Approach
Affiliations
We at PDCS would like to ensure that all clients are retained in the
following manner (Based on our Affiliations):
Soft Collections (Pre-legal)
Monthly reporting
Dedicated client relations managers
Monthly pay over to client
Non-threatening correspondence
Black listing of debtors at no cost
No legal Routes Processes / followed unless permitted by you

9. General Collection process
Capture Case /
Import
Send SMS &
Letter with
contact details
Calls made
Contact:
Negotiate
Payment
Settle /
Arrangement
SMS &
payment Letter
sent
Arrangement
honoured
Disburse funds Close account
Ideal

10. General Collection process
Arrangement not
honoured
SMS Sent Call made
Re-Negotiate
Payment
Possible date /
Amount change
SMS & Letter
sent
Reminder call &
SMS Sent day
before payment
date
Payment
received
Disbursement of
funds
Close account
Broken promise

11. General Collection process
Call 1-5
times
No Contact
Send to trace
Trace
received
Call 1- 5
times
Make
Arrangement
SMS & Letter
sent
Payment
received
Disburse
funds
Close
account
Trace accounts

12. Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
0%
5%
10%
15%
20%
25%
30%
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Collection projection

13. Legislation
1.National Credit Act No 34 of 2005
2. Magistrates Court Act No 32 of 1944
3. Attorneys Act No 53 of 1979
4. Debt Collectors Act No 114 of 1998
5. Contingency Fees Act No 66 of 1997
6. Protection of Information Bill
7. Protection of Personal Information Bill
8. Consumer Protection Act No 68 of 2008

14. 0%
20%
40%
60%
80%
100%
120%
2010 2011 2012
New Clients Aquired
Existing clients handover
Staff turn over
Revenue Telemarketing
Turnover
Staff incentives
Key Performance Indicators*
*Year on Year % Growth

15. Our understanding
of your requirements
To retain your client base.
Ensure that debtors receive the best
possible service and experience from a
debt collection company. By listening and
assisting the debtors.
All calls are monitored and audited by one
of our Members ensuring the highest
quality and assurance that your debtors
are handled with care.
We strive not only for client satisfaction
but debtor satisfaction too.
*Please see debtor references
Various payment methods.
Electronic debit order
Credit card facility
Electronic fund transfer
Cash
Cheques

16. Compliments
Potential Client: I’ve heard you
guys are reliable and your customers
are delighted with your service
Debtor: Your
service is Ayoba!

17. Our understanding
of your requirements
To ensure all your collection needs are
met.
A dedicated client relationship manager
will be at your disposal when needed.
This person will attend to any logistical,
reporting or general queries that you may
have in person.
A dedicated Collection Team, screened
specifically for the industry and specialists
in soft collections will be dedicated to your
accounts.

18. Technology & Systems Used

25. Thank you for the time afforded to us.
QUESTIONS?