• LNCS and its various divisions strive to continually find innovative and dynamic ways of collecting from current, overdue and delinquent debtors, in so doing achieve maximum returns and therefore maximize our clients portfolio profitability.
• We believe that due to the ever tightening credit requirements of the marketplace, the role of rehabilitation in order to maintain a client versus finding a new client will become more important than previously anticipated.
• LNC is positioned to keep updated with latest trends in the marketplace, educate and empower our team accordingly, and also observe and apply successful methods used in the collection industry worldwide.
• We aim to constantly ensure that the standards and ethics of our company are always beyond reproach, and to maintain our values together with unsurpassed service and effective teamwork at all times.
• The key driver to our success is ensuring that we remain a service driven operation and continue to invest in applicable technology.

• We adhere to our overall Group objectives of integrity, passion, sustainability, professionalism, receptivity, and empowerment.
• We are committed to success and strive to be professional in all aspects of our business.
• We adhere to the highest standards of integrity and honesty.
• We are totally transparent and are committed to service delivery.
• We believe in partnerships based on our values.
• We believe in constant innovation.

As the business evolved over the years three distinct areas were identified and hived off into separate divisions that operate as individual business units within the company. They are:

Early Stage Collections/Rehabilitation – Designed to preserve positive customer relations by communicating in the name of the client. One of our strategic imperatives is to guard our clients brand out in the market and therefore in Early Stage Collections the objective here is to rehabilitate the debtor and prevent write off.

Pre-Legal Collections – At this stage the debtor is informed that the credit provider has handed them over to a third party collector. The approach is still directed around guarding our clients brand; however the debtor is made aware of the consequences of not meeting his debt commitments. There is an escalation in actions and a firmer approach is taken to reduce outstanding arrears.  

Charge off / Late Stage / Legal – This team is comprised of handpicked consultants who sspecialise in the recovery of debts considered Written off or Uncollectible. The debtor at this stage is notified of the efforts the credit provider has made to assist in their rehabilitation and the consequences thereof.  

Litigation / Legal process – We can perform a variety of litigation services as mandated by our clients. We are able to trace debtors and or assets using field agents and serve documents, take pictures of assets, etc as per the client’s request

We have a dedicated tracing division who sole function is to track "missing" debtors and pass this information on to the collection teams. They have access to the following information:

• Credit Bureau’s – We access to the main Credit Bureau’s (ITC, XDS and Experian, Data Search, Windeed), and the very latest information is receivable on daily basis. 
• Consumer Databases- We has access to certain restricted consumer databases whose information contributes greatly to the tracing of those elusive individuals.
• Data Warehouses – Information across various sectors can be utilized.
• Industry Databases – We are able to identify and trace individuals by their movement in certain industries.
• Locally based tracers – Used to confirm Postal addresses and locate individuals and provide updated information where necessary.

The Tracing Team operates from 08h00am until 20h00 which affords them the ability to contact people outside normal working hours, an opportunity that would be otherwise lost during the day. All tracing activities are included in the debt management proposal. 

Due to this dedicated focus on 4 separate but synchronized teams, we are today a dynamic, significantly empowered; boutique operation who works in partnership with a distinguished list of selects blue-chip clients. 

System

Our cutting edge collection system drives performance and productivity to maximize recovery returns. Our system is based on the latest collection technology, allowing us to run special campaigns on a daily basis. We are able to view the entire book of a client at a snapshot to allow for efficient debtor and matter management. Our professional IT team has had years of implementing and adapting our processes to meet the needs of our various client partners. Continuous investment in infrastructure and development ensures we provide the latest in available technology while maintaining unmatched efficiency.

Security

As we are directly linked to various client systems and databases the need for top level security is of utmost importance. A hardware and software based firewall is implemented to restrict unauthorized access and is reviewed and monitored on a daily basis. All individual PC’s have anti-virus software and the company has a strict IT usage policy governing all aspects of use.

Systems Interface / Infrastructure

We are easily able to adapt any of the following options and versions thereof are currently being utilized by the by various clients.    

• Live-link: We have limited access to a host database where work as an offsite extension of the business. This dedicated link between the Call Centre and your operational office will allow instant access to information and eliminate any lag in response or updating of new information. We are linked via Diginet line and through a router with full firewall protections and restrictions.
• Exchange of Software files: This can either be done via FTP site (we have our own) or through the simple process of encrypted e-mails. We can upload and download in this manner on a daily basis.

All these products and services can be adapted to suit your particular needs and requirements as we believe in a customized approach as no “one size fits all”.



Segmentation of the Call Centre