With Christmas just around the corner, so too is increased consumer debt.  BCA clients would do well to avoid becoming casualties of their own clients this festive season.  Beginning the process of recovering your debt as soon as possible will increase the likelihood of successful collection for the New Year.

When it comes to successful debt recovery, process efficiency and effectiveness is crucial.  To enable our customers to maximise their window of debt recovery opportunity, Baycorp Advantage provides a fast and effective on-line debt loading service available in both Australia and New Zealand.

The on-line debt load service allows registered users to use their PC to load debt files directly into our system via our website for immediate action by Baycorp Advantage.  This access to our system is provided free of charge to customers wishing to use the debt on-line service.  The system enables users to:

• load debts directly on-line in real-time, 24 hours a day
• submit instructions to our recovery team on your preferred next steps in the recovery process
• monitor our progress in recovering debt at every stage
• receive requests for further instructions or information from our recovery team.

To better understand the debt on-line process and assist you when working with Baycorp Advantage, here are some tips and answers to frequently asked questions:

How can my organisation become an on-line user?

If you are not currently an on-line user, simply apply for on-line access by either completing the application form or by calling our customer service team:

Australia 1300 558 830
New Zealand 0800 800 713 (then select option 2)

Agree to the terms and conditions of the service, return the completed application form and you will then receive login details and a reference manual which provides a screen by screen approach on how to use the system.   From there you can start loading and monitoring recovery activity on your debtor files immediately.

Do I require compatible software to access the Baycorp Advantage on-line debt recovery system?

To access the on-line service for both Australia and New Zealand, minimum software requirements are Microsoft Internet Explorer 4.0 version or Netscape Navigator 4.5 version.

How do I update Baycorp Advantage about the status of a particular debt?

In the screen section that contains the heading Load Debt there is also a heading Locate File.  This section allows you to locate your file within our system and send us instructions relating to that file.

How do I provide Baycorp Advantage with information to support a particular debt claim?

With each debt loaded on-line the system automatically allocates a reference number, which appears immediately on screen as confirmation Baycorp Advantage has successfully loaded your debt.  When supplying support information about a debt the reference number needs to be quoted so the information can be matched with the debt.

How secure is the on-line system?

To safeguard the security of the system all registered users are provided with a confidential user name and password.  When visiting the web site all web pages are SSL enabled which means that all transmissions are securely encrypted and all information is protected from any exposure while connected to the web site.  A facility is provided so that the password may be changed at the discretion of the user. The user is only provided access to information that relates to the account(s) that Baycorp Advantage has established for them.  You may request to have more than one user name enabling you to establish a group of users who are permitted to access your customer accounts.

In terms of volume of debt loading per month what is a suggested process?

If your average monthly volume is 20 debts or less we suggest you load these as required by your organisation.  If you have over 20 debts per month to be loaded, a file can be provided to Baycorp Advantage and we will upload onto the system directly.  The file supplied can be accepted in almost any format provided the debt/debtor information is contained on a single line.  If you wish to try out this method contact our customer services team at:

customerservice.nz@baycorpadvantage.com and customerservice.au@baycorpadvantage.com

If I need any advice or assistance with the debt on-line process who do I contact?

Any questions regarding the debt on-line service can be directed to our customer service team:  

Australia 1300 558 830
New Zealand   0800 800 713 (then select option 2)