Debt Collection Services

Complete Support Across the Collection Cycle.

From early customer engagement and tracing to legal recovery, asset administration and written-off debt, FDE builds recovery solutions around your portfolio.

Individual Debt Commercial Portfolios Agricultural Finance Aviation-Related Products National Coverage

A Complete Recovery Solution

Different Accounts Require Different Approaches.

FDE services the entire collection cycle across individual, corporate, commercial, agricultural and aviation-related products.

Every portfolio has its own risk profile, customer circumstances, account history and commercial objectives. Our role is to understand those differences and build an appropriate recovery process around them.

Our centralised contact centre, tracing capabilities, field representation, legal resources and asset-administration services allow clients to access coordinated support through one recovery partner.

The Collection Cycle

The Right Intervention at the Right Stage.

Our approach can be adjusted according to the age, status, value and recoverability of each account.

01
Early Intervention

Pre-Legal Recovery

Engaging customers early through respectful communication, structured repayment discussions and voluntary solutions.

  • Customer contact
  • Payment arrangements
  • Voluntary surrender
  • Account resolution
02
Escalated Recovery

Legal Collections

Coordinated legal recovery and repossession processes where voluntary collection efforts have not resolved the account.

  • Legal handover
  • Legal collections
  • Repossession support
  • Asset administration
03
Specialised Recovery

Bad Debt Collections

Focused strategies for written-off and difficult debt requiring renewed tracing, engagement and recovery efforts.

  • Written-off accounts
  • Long-outstanding debt
  • Reactivated portfolios
  • Specialised tracing
Service Offering

Coordinated Recovery and Asset Support.

Services can be provided individually or combined into a tailored recovery solution.

01

Pre-Legal Collections

Our pre-legal process uses a firm but considered approach to encourage customer engagement before formal legal escalation becomes necessary.

  • Account and customer engagement
  • Negotiated payment arrangements
  • Commitment monitoring and follow-up
  • Voluntary surrender arrangements
02

Legal Collections & Repossession

Where accounts require escalation, FDE coordinates structured legal recovery and repossession processes with the relevant resources.

  • Legal account progression
  • Repossession coordination
  • Supporting documentation
  • Recovery status reporting
03

Bad Debt Collections

Written-off debt does not always mean unrecoverable debt. We apply renewed tracing, verification and engagement to older portfolios.

  • Written-off debt portfolios
  • Difficult-to-contact customers
  • Long-outstanding accounts
  • Portfolio reactivation
04

Tracing

Our tracing services support the recovery process by locating customers, confirming information and identifying potential assets.

  • Individual and contact tracing
  • Company and director tracing
  • Employment tracing
  • Asset tracing
05

National Contact Centre

Our centralised contact centre manages customer communication nationally, supported by virtual representation and field agents.

  • National customer contact
  • Inbound and outbound communication
  • Account follow-up
  • Customer interaction records
06

Vehicle Identification Support

FDE provides vehicle identification and administrative support through the Trade Compliance System and related data resources.

  • Vehicle identification data
  • Vehicle circulation information
  • Supporting verification
  • Trade compliance assistance
07

S-Mark Removal & Clearance

Administrative assistance with S-mark removal, clearance processes and associated NATIS-related requirements.

  • S-mark removal assistance
  • Clearance administration
  • NATIS-related documentation
  • Process coordination
08

Impoundment & Upliftment

Coordinated upliftment, impoundment and secure safekeeping of movable assets as part of the recovery process.

  • Asset upliftment
  • Impound coordination
  • Secure safekeeping
  • Asset-status administration
Centralised Contact Centre

Consistent Communication Across South Africa.

FDE’s contact centre provides a central operational point for national debt-recovery activities. This enables consistent communication, structured account management and coordinated reporting across client portfolios.

Virtual representation and field agents within all nine provinces extend that central capability into a nationwide operational network.

9
South African provinces
1
Centralised operational hub
National
Virtual and field representation
Markets We Support

Experience Across Diverse Portfolios.

Our collection model can be adapted to different products, customer profiles and stages of delinquency.

Individual

Consumer and personally held accounts across different stages of delinquency.

Commercial

Corporate and business-related portfolios requiring structured recovery processes.

Agricultural

Agricultural accounts, equipment and asset-related recovery requirements.

Aviation

Specialised aviation-related products and associated commercial accounts.

Our Approach

Firm on Process. Fair With People.

Responsible recovery protects the interests of the client without losing sight of the person behind the account.

01
Understand the portfolioWe assess the account type, age, history, documentation and recovery objectives.
02
Build the strategyWe determine the appropriate communication, tracing, legal and field processes.
03
Engage professionallyCustomers are treated with respect, fairness and clear communication.
04
Monitor and reportCollection activity and recovery progress are tracked throughout the process.
Tailored Debt Recovery

Let’s Discuss Your Portfolio.

Talk to FDE about the recovery challenges, account types and outcomes that matter to your organisation.

Request a Consultation