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Home · Services · II.2 Consumer collection
Expertise II.2

High-volume collection from consumers.

Hundreds of thousands of low-amount claims, handled one by one. An industrialised reminder plan, a frictionless payment journey and a dedicated procedure for people in hardship.

Key facts
Annual volume
10,000 to 1M+ cases
Unit amount
€30 to €5,000
Channels
Letter, email, SMS, phone, web
Submission
REST API, SFTP
Ramp-up
4 to 6 weeks
1.Reminder plan

Ninety days, every contact scheduled.

The standard plan below is adjusted by segment and approved with you before launch. No contact is left to an operator's discretion.

Channel
D0Receipt
D+1Opening
D+3
D+10
D+30
D+45
D+60
D+90Decision
Control
File quality control
Case review
Letter
Initial R124-4 letter
Formal reminder
Formal notice
Email
Notice + payment link
Reminder
Instalment offer
SMS
Payment link
Reminder
Phone
Adviser call
Negotiation
Outcome
Closure, litigation or reasoned return
Standard actionControl point or binding actRegulated calling hours, no contact with third parties
2.Segmentation

Four profiles, four treatments.

Scoring combines willingness and ability to pay. Treatment follows the profile, not the age of the claim.

Ability to pay →
B

Disputers

Disagreement over the invoice or the service. The dispute is investigated before any further reminder.

→ Disputes unit, back to creditor
A

Distracted payers

Oversight, changed bank details. Resolved in a single contact.

→ Digital journey, D+1 to D+10
D

Hardship situations

Over-indebtedness, illness, job loss. Dedicated procedure and referral to support schemes.

→ Dedicated adviser, suspension
C

Temporary difficulties

Willing to pay, tight cash flow. A sustainable payment plan beats a formal notice.

→ Payment plan, monthly follow-up
Willingness to pay →
3.Deliverables

What you receive.

Formats are set in the mandate agreement and integrated into your tools from day one.

DAILY · API / CSV

Action log

Every contact, promise and payment, case by case.

MONTHLY · XLSX

Reconciliation

Collections file ready for your ERP.

MONTHLY · PDF

Steering committee

Rates by segment, disputes, action plan.

AT D+90 · CSV

Reasoned return

Unrecovered cases, with the reason and supporting documents.

§Pilot

Start with a pilot batch.

Entrust a sample of 5,000 to 20,000 cases for 90 days. Results are measured against your current provider, on identical segments.

Propose a pilot batch  →
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