CUSTOMER LOAN SERVICING

Customer account setups and updates

Customer loan agreements preparation and execution

Financing amortization schedules

Account loan servicing agreements

Loan approval confirmation (“hello”) letters

Billing statements and coupon processing—

monthly/quarterly/annual

Collections and loan payment processing

Checks acceptance

Automatic debit via bank drafts acceptance (EFT/ACH)

Credit cards electronic processing

Incoming remittances

Check-by-phone

Online internet payments

Lockbox management

Interfacing with bank’s lockbox operation to process customer checks with coupons or statement stubs

Processing payments to banks/lenders

Automatic deposits into customers’ direct deposit accounts

24/7 contact/call center customer services

Customer queries via incoming calls and emails, including payoff quote requests

Outgoing calls to customers for procurement of maximum collection amount possible

Delinquency collections and loss mitigation

Detailed collection implementation schedules

Predictive dialer optimization

Collection “dunning” letters

Credit reporting to consumer credit bureaus

Compliance with U.S. Fair Debt Collections Practices Act (FDCPA) and state laws and regulations

  Customer 24/7 internet access

Online account information - notes and histories

Internet payments acceptance

Specialized timeshare processing services

Trustee services for portfolio interest exemption trusts used by Mexican resorts for U.S. consumers

Downpayments

Upgrades, transfers and other situations unique to timeshare contract loans

Homeowners’ association dues and maintenance fees payments

Customer loans reports

Static pool default analysis

Portfolio analysis