The collection of unsecured debts, written off debts, and hire   purchase shortfall after sale.



  We pride ourselves at being the best in the business in these three   areas. We recognize that each collection domain requires specific   disciplines and the subtle differences in our approaching each of our   specialist areas assures best results.


Debtor Rehabilitation

For current / active accounts, hire purchase, revolving credit and personal loans. Where prompt cash collection and debtor rehabilitation is the goal. New Zealand is too small to burn off customers, even those that are having difficulty making payments. Once goods are repossessed, invariably the lender faces a loss on sale and also the loss of that customer.

Our telephone trace & rehabilitation service produces significantly higher cash collections than those achieved by conventional collectors or repossession agents. This can be all at no cost to you, as we collect our fees as well as the arrears. On the rare occasions where repossession is necessary, this can be accommodated.

Debt Recovery

For the collection of bad debts, written off debts, shortfall after sale on hire purchase and unsecured and unsecured debt. We find bad debtors and either gain cash settlements or encourage then in programs where they can repay their debt by regular payments. Many of our clients have multiple of suppliers of this type of service, yet every month we gain a greater share of their business because our success rate is higher than our competitors.

People Finders

We find people whom others have given up. Mercantile already had an excellent tracing capacity, however recently introduced a system that has been successfully operating in the UK for 20 years. Our initial experience matches theirs, results show that we can locate 25% of people that others have failed to trace.