Debt Recovery Specialists
Global Receivables. Proven South African Expertise.
Commercial debt collection · consumer debt recovery · credit reporting & advisory · legal proceedings & enforcement.
VVM is a seasoned and accredited debt collection agency, recognised for adhering to industry standards and regulatory requirements. Our commitment to ethical practices ensures both clients and debtors are treated with respect, empathy and integrity throughout the recovery process.
With over 30 years of results-driven debt collection experience, we reclaim past-due accounts for our creditor clients and help debtors resolve their financial burdens the right way, quickly and fairly.
VVM in numbers.
The Numbers Tell our Story
We Support International Clients Across:
- Retail
- Medical & Healthcare
- Telecommunications
- Financial Services
Corporate Client Offerings.
Results Driven, Compliant and Customer Centric
VVM provides professional and compassionate debt collection services, partnering with blue-chip clients in both the private and public sectors, spanning Retail, Medical and Healthcare, Telecommunications, Financial Services and Utilities firms.
With decades of experience, our team work diligently to help our clients reclaim what’s rightfully theirs, without compromising their brand reputation or negating their customers’ experiences.
Our Services.
Global Receivables Specialists
VVM offer specialist debt collection services. As a niche BPO organisation we have become a leader in debt collection, with our niche services spanning:
Commercial Debt Collection
Business-to-business recovery of overdue accounts.
Consumer Debt Recovery
Fair, empathetic recovery from individual customers.
Credit Reporting & Advisory
Credit bureau reporting and data-driven advisory.
Legal Proceedings & Enforcement
Compliant legal collections when escalation is required.
Our Technology.
Tried, Tested and Future Forward
VVM’s omnichannel platforms offer debtors asynchronous communication of choice and convenience, including:
- Voice
- SMS
- 24/7 WhatsApp Bot
- Live Chat
- 2Way Messaging
VVM’s advanced payment solutions system affords customers an efficient and secure payment process.
Our Debt Collection Process and Approach.
Firm, Fair and Fitting
VVM’s approach is measured and appropriate to the stage and situation of the debt in question. Our credit management and debt recovery strategy defines pertinent communications and management techniques to deliver the best results at the best time for both our clients and their debtors alike. VVM’s performance-driven approach relies on our:
- Data analytics to predict the debtors with the most likely propensity to pay
- Legal expertise to fulfil the rights of both our clients and their customers
- Negotiation skills to achieve amicable settlements and payment plans
- Omnichannel communications tools to afford choice and convenience
- Secure and convenient payment platforms
- A talented and skilled team of contact agents and legal professionals
VVM’s Key Debt Collection Timelines
Pre-delinquent, customer-centric steps
Early-stage soft steps
Late-stage “firm but fair” legal collections steps
Post write-offs
Initiate courtesy communications
- Identify underlying causes of payment delays
- Negotiate suitable payment arrangements
- Clearly outline potential consequences
- Address and resolve customer inquiries
- Recover outstanding payments
- Monitor account activity
Advise customers of the possibility of referral to a collection agency
- Deploy omnichannel messaging to encourage remediation
- Issue automated letters of demand as appropriate
Confirm personal information accuracy
- Commence legal collection proceedings
- Provide guidance regarding options to improve credit standing
- Explore solutions that support clients while ensuring recovery of amounts due
Ongoing engagement after the debt is secured
- Continued customer engagement with insights on pathways to financial independence
Offerings for People in Financial Distress.
Meet your Trusted Debt Collection Advisor
VVM’s non-judgmental, empathetic, fair and firm approach toward people in financial distress provides you with mechanisms to manage your debt by:
- Advising you of your rights and obligations
- Negotiating financial relief and reduced payment plans
- Mitigating the threat of legal action to avoid repossession of assets, garnishee orders and/or insolvency
- Developing a clear plan to become debt-free and restore your credit score as quickly as possible
Consumers the world over are under severe financial pressure, tackling the challenges of the rising cost of living. Our experience evidences that 90% of debtors feel morally obligated to settle outstanding debt. It is for this reason we are sensitive to your predicament and engage with care and kindness.
Our Credentials and Compliance Measures.
Affording you Peace of Mind
VVM is registered with the Council for Debt Collectors (CFDC), which ensures compliance with the Debt Collectors Act 114 of 1998. You can verify our registration on the CFDC website.
VVM is also a member of the Association of Debt Recovery Agents (ADRA) and adheres to industry codes of practice and ethical standards.
VVM is 100% POPIA compliant in terms of privacy compliance certification, in accordance with the privacy laws in the jurisdictions we operate in.
VVM mitigates the prevalent threats of cybercrime and has secured and maintains PCI DSS v4.0 certification.
We carry professional indemnity insurance, protecting our clients and the customers we engage with.
Our agents receive training certification in debt recovery, negotiation, and conflict resolution.
Contact Us for Corporate Credit Management and Debt Collection Solutions.
Please fill out the form below and our dedicated team will respond to your enquiry as soon as possible.