AFRICA - South Africa
TCM SOUTH AFRICA—CSS CREDIT SOLUTIONS SERVICES (PTY) LTD
132 Jan Smuts Avenue, Parkwood, Rosebank, Johannesburg, 2193
PO Box 72621, Parkview, 2122
+27 (0) 11 543 9888/777
TCM South Africa
TCM South Africa—CSS Credit Solutions Services (Pty) Ltd.
International Debt Collectors since 2008
International debt collection in South Africa has just gotten a whole lot easier—and more affordable—with the merging of Pienaar Sithole & Associates Pty Ltd and CSS Credit Solutions Services Pty Ltd in July 2018. TCM South Africa remains a boutique debt recovery company that was founded with the express intention of focusing on the collection requirements of a limited number of clients. Since then, we have not only proven to be the premier recovery partner for all our clients, but have become a leading name for quality debt recovery services on the South African market in our own right.
With over 100 years of combined collection experience, our senior management team firmly believe that size does not always matter. In other words, we are not bent on becoming the biggest in the industry, but simply want to be the best that we can be. That’s why we became a member of TCM Group, a global collection network of truly global rank. That’s why we insist on being able to offer you domestic and international debt collection expertise in equal measure. And that’s why all our services are based on a “No Collection, No Charge” policy. We couldn’t be more committed to improving the health of your bottom line.
Our Quality Guarantee—Your Peace of Mind
We at TCM South Africa strive in everything we do to provide you with a quality guarantee that gives you peace of mind. That’s why
- our approach to debt recovery is to ensure we provide you with a professional service;
- we provide you with a personalized service adapted to your needs;
- our team comprises collection experts that have a real understanding of and vast experience in the local and global debt collection industry;
- our company, its directors, and all our collection staff are registered with the Council for Debt Collectors;
- our collection software was designed by collectors for collectors, thereby ensuring best possible results through a user-friendly programme;
- we open a separate trust bank account for each of our clients to give them independence and comfort; and
- we are members of the Association of Debt Collectors (ADRA), Council for Debt Collectors, Financial Services Board, Payment System Stakeholder Forum (PSSF) and the Legal Practice Council of South Africa.
No Collection, No Charges
You only pay for our services once we deliver—that is, we operate on a “No Collection, No Charges” basis. This means we are highly motivated to restore your cash flow to its rightful health. At the same time, we do everything we can to make sure your business relations continue to be a source of revenue.
Fees levied to a debtor by us are limited to the fees prescribed in the scale of tariffs as per the Debt Collectors Act 114 of 1998.
Our Debt Collection Procedure
Our debt collection procedure is aimed at obtaining a full and final payment from the debtor. Should the debtor not be able to settle in one payment, however, we make every effort to obtain an amicable arrangement with the debtor—one that is both affordable as well as reasonable in terms of the outstanding debt.
Our consultants will trace a debtor and thereafter liaise with the entity or individual by telephone or in writing via email or post. We record all of our phone calls for quality and control purposes; doing so also provides us with a useful audit trail on each account.
Clients and Values
We collect on debts from as little as five hundred rands to millions of rands, and attend to consumer and commercial debts. We have proven experience in the following industries: banking, insurance, education, healthcare, clothing and furniture retail, cellular and fixed line telephony, and direct marketing.
About CSS Credit Solutions Services
CSS Credit Solutions Services Pty Ltd (CSS) has been involved in call centre operations and financial recoveries for the past 24 years and have developed business processes to ensure maximum effectiveness, handling financial recoveries and tailor-made solutions on a large scale, utilising the benefits of both a call centre and law firm, with the support of innovative and bespoke in-house technological solutions.
CSS is serviced by Brooks & Luyt Incorporated (“Brooks & Luyt Inc”), a professional legal practice with CSS Technology, a division of CSS. Brooks & Luyt Inc is registered with the Legal Practice Council of South Africa (Law Societies of the Northern Provinces, Cape of Good Hope and KwaZulu Natal).
By offering Tailor Made Solutions, our clients get a complete business solution, specifically tailored to their individual needs.
The CSS Group has the capability of offering opportunities beyond a collections / recoveries law firm into the fields of IT systems, call centre service offerings, business process outsourcing, document management and training.
In ten years CSS have increased the number of seats in their call centre from 50 to 750, as well as developing both our technological and physical infrastructure. We have a total staff compliment of over 800 people with our head office in Johannesburg and branch offices in Cape Town and Durban.
Key to the success of the CSS Group is its ability to offer solutions ahead of its time. Our call centre capabilities supported by our legal capabilities, training expertise and software capability, ensures that we can develop tailor made solutions from start to finish for our clients. Utilising our proprietary owned and developed web-based software applications, we can expand extremely quickly on an “any-time anywhere basis”. Whilst our call centre operates in a paperless environment, where the agents’ primary responsibility is to make contact with customers and third parties and negotiate suitable payment arrangements, alternatively deal with customer queries, our Document Management department through the utilisation of our software, ensures that the necessary legal documentation or correspondence is generated in the background and disseminated on a bulk basis nationally in full compliance with the National Credit Act so that not only are you putting your business in good hands and securing your rights, but also ensuring that your reputation is maintained, adopting a “fair but firm” approach and at all times treating the customer fairly.
Through our in-house IT capabilities, CSS Technology has developed letter generation, dissemination and storage solutions as well as document management solutions for our clients, allowing documents to be sent out, whether they be Letters of Demand, Account Statements, S129, S127 letters or S86(10) / S88(3) letters all of which are thereafter scanned and uploaded on a secure website portal accessible by our clients’ and their staff. In addition to this we have extended our services to further specialise in providing solutions to the changes and challenges arising out of the NCA, such as debt review, debt administration and prescription.
Moving Forward, Greater Opportunities
We, at the CSS Group believe our Vision to drive value added quality business solutions for our clients and their customers aligns to our culture of respect, professionalism and reputation. We are proud of our heritage having become a major third party supplier in call centre collections / recoveries / legal recoveries industry / business process outsourcing and bespoke IT solutions, acting on behalf of all five major financial institutions and three major retailers.
Acting for blue chip clients we believe that we are partner of choice with a sense of: