Avoid disputes
It is good business practice to have Terms of Trade to avoid disputes, allow you to pass on the costs of recovery and allow for interest.
Relying on Terms of Trade printed on the back of invoices or statements can be misleading under the Fair Trading Act 1986.
Credit Control Policy
Terms of Trade should be just an aspect in the development of a Credit Control Policy setting down your rules of supply/service.
As an example Credit Applications help you to know who you do business with before you get caught and provide a sound compliance with Privacy Laws.
Rent-A-Credit Manager
What does it cost your business to employ staff to perform credit control procedures? Profit margins can be quickly eroded when you have staff expended on chasing money rather than invoicing out nevermind the cost of PAYE, Wages, Holiday Pay. It could cost you nothing!
NZCML can become an extension of your business where you remain absolutely in control of your ledger by adopting a filter process, instructing us on either your entire ledger or a selection (after extracting your preferential clients).
By applying an administration fee for your overdue accounts we can provide you with a cost negative, outsourced Ledger Manager service whilst maintaining the seamless perception of an in-house Credit Controller.
After all who savours the function of debt collection?
Out Source
More often than not businesses are finding that some of their customers (debtors) take longer and longer to pay. The 20th of the month stretches to the 30th and so on. Credit Control is considered by most a drain of resource and money given the time spent away from the actual business activity creating the income. The solution - outsource!
NZCML as a third party can have an immediate impact on your debtors. At the same time it can protect your client/debtor relationship and any goodwill that exists. With Ledger Management debtor payments are directed straight to you the client so the debtor is saved further embarrassment.
NZCML, as appropriate, will manage a selection of your delinquent ledger at each 30/60/90 days, often the case increasing the monthly recovery rate to the more favourable 85-90%
"WIN:WIN" solution
We have a relational view of the problem and look holistically at the issues facing both our clients and their debtors. Oftentimes the main reason why you haven't been paid is because your debtor is owed money themselves and they bury their heads in the sand.
Drawing on our unique blend of systems and experience we provide you with a network of Field Mediators seeking a "WIN:WIN" solution for the client and debtor.
Localised Knowledge
Thriving on our ability to grow relationships with our clients we are Local People, having Localised Knowledge delivering a Localised Result.
So if you have written off any debts in the past 6 years (Statute of Limitations), dust off the cobwebs and give the NZCML team a go.
The Rules
The methods and proof of service of documents both in New Zealand and abroad is administered in the Ministry of Justice and the Department of Courts; governed by the Judicature Act 1908 No 89 (as at 12 June 2009), Public Act - New Zealand Legislation, Schedule 2 High Court Rules, Part 6.
Legal action or process tends to be where most debts get paid as the debtor realises that the creditor really is serious about wanting payment.
The Options
A Summons/Claim identifies the debtor and usually gives the Court some brief information about the nature of the debt - e.g., goods sold and delivered, or services rendered, or a dishonoured cheque.
Alternatively there is the Statutory Demand for debt repayment if you have contacted a company which has promised to pay and nothing happens, or you suspect that they have not intention of payment or are insolvent. This is a useful vehicle for recovering a legitimate debt. (Be careful that you observe the formalities to qualify).
Forward the documents to us and we will arrange to have the Defendant/Respondent served in a prompt manner or contact us to help you through this legal minefield.
Absconder or Avoider
We appreciate that you may not be in possession of all of the information to find your absconder.
We recommend you review your Terms of Trade or Credit Applications to record as much detail as possible which can aid us in our investigation: i.e., full names, date of birth, last known address (work/residence), trading name/company, telephone numbers, email/website address, next of kin, nationality, passport number, bank account number, IRD or WINZ number, Drivers Licence - all information has a degree of relevance!
Our dedicated team
Many agencies use online services to help them try to locate their debtors and without resources, personnel or time they do not put too much effort into this since they are not skip tracers.
Whether you are seeking someone who owes you money, trying to locate a key witness, defendant, property owner or stockholder or merely endeavouring to re-establish contact with a long lost loved one; our dedicated team of professionals employ the latest methodology and proven techniques, ensuring accurate and guaranteed findings within a quick turnaround time.
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