When we receive a portfolio of non‑performing loans, we immediately: complete and enrich the data set, perform document checks, assign an initial risk score, and segment the portfolio and borrower base.
We bridge information gaps by using authorised databases and registries (credit bureaus, company registries, land and property registers), complemented by our proprietary investigative databases.
We assess the completeness, consistency and clarity of all contractual and legal documentation supporting each exposure.
We assign an initial risk score to each position, based on expected recovery probability, estimated recovery timeline and the most suitable collection strategy.
We group exposures by product type (e.g. residential mortgages, commercial loans, consumer credit), geography and exposure size.
Leveraging CreditVision’s experience, we develop comprehensive borrower profiles, identifying repayment capacity, available assets and key behavioural drivers.
Not all loans follow the same recovery path. We differentiate between: cases with high potential for amicable recovery, opportunities for fast‑track legal action, secured positions and complex claims.
Borrowers facing temporary distress but with stable income and/or property, where direct negotiation is likely to deliver an efficient solution.
Well‑documented claims where prompt legal action (e.g. payment order or equivalent) can generate a strong deterrent effect and accelerate recovery.
Loans backed by mortgages, pledges or liens, where the strategy focuses on valuation and orderly disposal of the underlying collateral.
Situations involving deceased, bankrupt or otherwise insolvent borrowers, or where substantiated disputes have been raised; these require tailored, long‑term legal and workout strategies.
Where amicable solutions are not feasible or efficient, we activate judicial recovery strategies, including payment orders, contested proceedings, enforcement actions and property foreclosures. Our legal network has achieved a positive outcome in approximately 89% of well‑documented cases brought to court.
As a first step, we seek a swift enforceable title through a payment order or equivalent procedure, which is typically faster and has a high success rate when documentation is robust.
If the debtor challenges the claim, the case moves into ordinary court proceedings, where the validity of the credit is examined in detail; at this stage, file quality and legal expertise are critical.
Once an enforceable title (final judgment or unopposed/confirmed payment order) is obtained, we initiate enforcement measures, including bank account attachments, wage or pension garnishments and seizure of movable assets where appropriate.
For secured loans, we pursue judicial sale processes and intervene in foreclosure proceedings to participate in the distribution of proceeds. All legal actions are managed by specialist partner law firms, combining strong expertise with cost‑efficient fee structures. Our network has achieved positive resolutions in roughly 89% of supported cases, significantly above typical market averages.
The out‑of‑court phase is central to our recovery process. We apply a structured, negotiation‑driven approach based on a detailed understanding of each borrower’s situation. In our experience, around 60% of non‑performing exposures can be effectively resolved at this stage.
We issue formal notices clearly setting out the outstanding exposure, interest and costs accrued, and inviting the borrower to engage and settle.
We contact borrowers via phone, e‑mail, SMS, WhatsApp and, where appropriate, face‑to‑face meetings to understand the root causes of distress and to propose solutions such as payment plans, tenor extensions or settlements (including discounted payoff arrangements).
We assess the borrower’s actual repayment capacity based on income documentation, asset statements and our enhanced profiling supported by investigative expertise.
Where negotiations are successful, we formalise new repayment terms, remedies in case of default, and any contractual amendments required to stabilise the position.
Our operational track record shows that approximately 60% of non‑performing exposures can be resolved on an out‑of‑court basis, delivering significant benefits in terms of reduced recovery timelines and lower enforcement costs.
Where the borrower is insolvent or subject to formal insolvency proceedings, we adopt a dedicated strategy focusing on creditor representation, assessment of settlement proposals and continuous monitoring of the case.
We represent the creditor/investor in the insolvency process, ensuring proper filing, verification and recognition of claims in the schedule of liabilities.
We analyse restructuring and settlement proposals submitted by the debtor or the insolvency office‑holder and issue clear voting recommendations aligned with the investor’s strategy.
We monitor the realisation of the debtor’s assets and the progress of the procedure, and we actively participate in interim and final distributions to maximise recoveries.
When the strategic objective is to dispose of a portfolio or a subset of positions, we prepare the assets for sale to maximise price discovery and investor appetite.
We ensure that all documentation is complete, consistent and readily accessible for purchaser due diligence.
We perform additional investigations and valuations on selected positions to support a more accurate pricing process during negotiations with potential buyers.
We prepare detailed reports on historical recoveries, costs incurred and current status of each position, providing investors with a clear view of past performance and remaining upside.
We set up a structured, user‑friendly virtual data room containing all relevant loan files, agreements and supporting documentation, enabling efficient and transparent due diligence by prospective purchasers.