We offer our business Partners and Clients unique expertise in the management of receivables and securitisation.
Management of receivables
Purchase of portfolios of receivables
Servicing receivables at amicable stage
Servicing receivables at court and enforcement stage, including
- Pre-enforcement proceedings,
- Enforcement proceedings,
PURCHASE OF PORTFOLIOS OF RECEIVABLES
SERVICING RECEIVABLES AT AMICABLE STAGE
Factual activities in amicable proceedings aimed at voluntary repayment of debt include writs of payment sent through mail and telephone contact. For each client, product and kind of receivables, SIGNI develops a unique procedure while observing the Good Practices Code, which is a set of applicable rules based on moral principles. Zakres oraz częstotliwość kontaktów ustalana jest z klientem z uwzględnienieniem typu dłużnika, rodzaju i etapu przeterminowania obsługiwanych wierzytelności. The scope and frequency of contact is established with the client taking into account the type of debtor, kind and stage of overdue status of receivables. All activities are carried out with respect for commonly recognised legal regulations and provisions of the Good Practices Code of the Conference of Financial Companies in Poland, applicable for the debt-collection trade (which are a set of applicable rules of conduct based on general moral principles). INDIVIDUAL ELEMENTS OF THE PROCESS.
Kancelaria SIGNI SA undertakes amicable actions consisting in telephone contact with the debtor if such scope of action results from the agreement concluded with the client. All telephone conversations are conducted in accordance with established standards, by employees who have received appropriate training in this scope and who have proper knowledge and qualifications. The model of collection for non-terminated agreements consists in cyclical telephone calls, sending text messages and requests for payment until complete repayment of debt. The model of collection of terminated agreements consists in concurrent court proceedings and is supported by Call Centre. Concurrent cooperation of teams makes it possible to effectively exploit all sanctions available through means of legal collection. As a result, in case of a refusal to repay at amicable stage, actions are taken aimed at referring the case to courts. A similar procedure is applied for cases lacking binding arrangements. Telephone interventions are carried out from Monday to Friday from 7am to 4pm.
Text and voice messages are sent through our own and fully automated IT system, which is a module of a larger debt-collection system. It allows us to create and distribute any kind of text. Where telephone calls are ineffective, the automation of text and e-mail messages significantly increases the efficiency of collection activities, and translates into lower costs and increased revenues through intensified activity of incoming calls.
Letters are dispatched through a system integrated with amicable, legal and enforcement processes. Upon Client's request, we can prepare letter templates, determine the frequency and criteria for sending letters. For each portfolio, dispatch strategy is determined individually. Apart from templates of amicable letters, we also send letters concerning court and enforcement proceedings.
COURT AND ENFORCEMENT STAGE
COURT PROCEDINGS In the course of court proceedings, we:
- draw up a lawsuit;
- file a lawsuit with a competent court using the electronic system for writs of payment, or through the standard mode — with a court of territorial jurisdiction;
- obtain a writ of payment/court verdict;
- obtain an enforcement order;
- supervise the correctness of court proceedings;
- participate insofar as necessary in hearings and carry out the case before courts of all instances in case the debtor takes legal action aimed at denying enforceability from the bank enforcement title or in case the debtor appeals or files a complaint;
- represent the Client in proceedings before a given court, draw up all necessary documents and represent the Client in hearings, if necessary (through a solicitor or lawyer, or attorney or attorney at law).
Kancelaria SIGNI SA, based on held enforcement title, prepares an enforcement request stating how the enforcement is to be effected. Kancelaria SIGNI SA actively represents the Client in relations with the bailiff by supervising the process, filing all necessary applications and requests, and taking part in bailiff proceedings which require specific supervision. Upon a successful seizure by the bailiff, SIGNI monitors the process of recovery of liabilities and other formal and legal actions until the bailiff obtains full repayment of debt. When justified, SIGNI may file any required complaints on behalf of the Client against bailiff's actions, as well as execute other means.