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The Charlbury Group (TCG)

The Charlbury Group (TCG). Agenda. Introductions Background on The Charlbury Group & AMS Arrears Management System AMS: Field Agent AMS: Litigation AMS: Asset Manager Questions Next Steps. About Us. Based in Kidlington, Oxfordshire

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The Charlbury Group (TCG)

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  1. The Charlbury Group (TCG)

  2. Agenda • Introductions • Background on The Charlbury Group & AMS • Arrears Management System • AMS: Field Agent • AMS: Litigation • AMS: Asset Manager • Questions • Next Steps

  3. About Us • Based in Kidlington, Oxfordshire • Independent, specialising in providing IT solutions in the housing and financial sector • Management team of mortgage and technology specialists in lending, arrears and IT • Established over eight years ago • Work with a number of well known brands including Lenders, Field Agent Companies, Contractors, Asset Managers and Litigation Solicitors • Have built and maintain an established platform used by many UK lenders

  4. A small selection of our Partners

  5. A small selection of our Partners

  6. AMS is a web based distribution and information collection system Overview of AMS Lender AMS Field Agents Asset Managers Litigation Solicitors Contractors

  7. AMS Key Points • Lenders maintain full control of instruction distribution to Lenders supplier panel with an easy to use allocation engine • Tailored independent and aggregated management information • Exception reporting based on Lenders working methods • Little or no IT work required by Lenders • One connection provides multiple connections • Full audit trail • Secure data transmission • Low cost • Passed numerous lender due diligence and penetration tests

  8. The Role of TCG • Lenders choose, pay and manage the relationship with suppliers • All data and case information is the property of Lenders or the supplier • TCG has already built/builds connectivity with Lenders suppliers • The level of connectivity depends on the suppliers ability and business process • TCG does not charge for building an interface • The majority of connectivity is a full XML interface • Creating interfaces removes double keying which reduces cost and errors

  9. Connectivity Connectivity is about understanding the process and needs of all suppliers as well as building IT links • TCG always strives to build a great relationship as well as full XML interfaces with all of its partners • The majority of TCGs partners have built full XML interfaces already • TCG will work with whatever type of interface that the supplier prefers • A web based data capture screen is viewed as a short term solution whilst we assist the supplier build a full interface

  10. AMS: Field Agent

  11. AMS: Field Agent Lender Lender-controlled Allocation Engine Full Management Information suite AMS Reports and Management Information can be returned automatically to Lenders. Field Agent Firm Field Agent Firm Field Agent Firm

  12. Key Features • Lender-controlled allocation process based on your own rules • TCG can work with any type of data feed from Lenders • Data security - all data is encrypted before transmission • Little or no double keying as data is self populated into the Field Agent Companies workflow systems • Automatic instruction receipt confirmation from Field Agent Companies • Automatic return of report from Field Agent Companies systems • Full audit trail • A single integration to instruct multiple Field Agent Companies

  13. Management Information (MI) MI packs fully tailored to Lenders business needs and can include: • Number of instructions sent to each Field Agent Companies • Number of reports returned by each Field Agent Companies • Time taken to return reports by FAC • Percentage of customers contacted • Reason for arrears • Percentage of income and expenditure forms completed • Number of ‘arrangement to pay’ made • Type of arrangement made (i.e. mortgage payment plus additional amount) • Performance MI can be used to drive future instruction allocations Please see sample MI pack for more details

  14. Costs • No set up fees or on-going development fees for anyone • Time Cost – Agreeing definition dictionary for aggregated MI • Limited I.T. / No I.T. work required by Lenders as we have built the pipe work and many of the direct connections already • Field Agent Companies pay TCG £2.95 plus VAT for all returned reports (they only pay when they are getting paid) • Field agent companies may be margin sensitive when the lender fees are below the market norm

  15. Some field agent system users

  16. AMS Summary • Ease and control of instruction distribution • Independent and aggregated management information • Little or no IT work required by Lenders • One connection to AMS provides multiple connections to suppliers • Full audit trail • Secure data transmission • Low cost • The AMS platform is the only established working platform across litigation, asset management and field agent suppliers • TCG happy to provide (encourage you to contact) referees

  17. Questions ?

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