Nichola Caddy

Nichola Caddy

Tuesday, 17 September 2019 12:04

Gym Centres

Over the years we have noticed an increase in Gymnasium Centre debts coming to our agency. We believe because the industry has changed so much with a lot of big players owning multiple centres many of their clients are falling through the cracks and getting away without paying.

Gymnasium Centre debtors come with their own set of problems. The best way to deal with these is to get them to debt collection quickly. If they are left too long they tend to become delinquent debts and the chances of collecting them lessens.

All Gymnasium Centre directors should make quick action a priority.

Monday, 17 June 2019 10:06

Online Security

Hosting of Websites and Cloud software utilised by Australe Pty Ltd is as follows

  1. G Suite Business by Google
    About Google
    Leading with a security-first mindset.
    Google started in the cloud and runs on the cloud, so it's no surprise that we fully understand the security implications of powering your business in the cloud. Because Google and our enterprise services run on the same infrastructure, your organization will benefit from the protections we've built and use every day. Our robust global infrastructure, along with dedicated security professionals and our drive to innovate, enables Google to stay ahead of the curve and offer a highly secure, reliable, and compliant environment.
    https://storage.googleapis.com/gfw-touched-accounts-pdfs/google-cloud-security-and-compliance-whitepaper.pdf

  2. AWS Cloud hosting
    About AWS
    Most Secure
    AWS has been architected to be the most flexible and secure cloud computing environment available today. Our core infrastructure is built to satisfy the security requirements for military, global banks, and other high-sensitivity organizations.
    AWS uses the same secure hardware and software to build and operate each of our regions, so all of our customers benefit from the only commercial cloud that has had its service offerings and associated supply chain vetted and accepted as secure enough for top secret workloads. This is backed by a deep set of cloud security tools, with 203 security, compliance, and governance services and key features.
    Moreover, AWS supports 85 security standards and compliance certifications, and all 116 AWS services that store customer data offer the ability to encrypt that data.
    https://d1.awsstatic.com/whitepapers/Security/AWS_Security_Best_Practices.pdf

  3. Cloudflare hosting
    About Cloudflare
    Cloudflare Security Services protect and secure websites, applications and APIs against denial-of-service attacks, customer data compromise, and abusive bots.
    Prevent Customer Data Breach. Prevent attackers from compromising sensitive customer data, such as user credentials, credit card information, and other personally identifiable information.
    https://www.cloudflare.com/en-au/resources/

  4. eWay payment gateway, credit and debit card payments are processed through a third party company called eWay…
    About eWay
    From maintaining legal compliance to ensuring that our global infrastructure processes millions of payments without fail, eWAY systems are designed to exceed your expectations. Dive into your eCommerce venture knowing you have eWAY’s robust security behind you.
    Military grade protection – all your customer and credit card data is secured with military-grade software and servers, and the very highest level if encryption available. Get on with your business knowing yourself and your customers are safe.
    The same level of security as the big banks – security compliance will matter to your customers and it should matter to your business. eWAY has tier 1 PCI DSS compliance – the same as the biggest banks in the world. Rest assured that all the data you process is highly protected.
    Enrolment into the Merchant Trust Initiative – Need help around PCI DSS compliance what you need to do? Get information around cybersecurity and data protection through our latest initiative.
    https://www.eway.com.au/features/benefits/robust-and-secure/

  5. Trustwave
    Linked to eWay
    about Trustwave
    Merchant Trust Initiative
    The Merchant Trust Initiative is a new program from eWAY that educates and informs you of your responsibilities and obligations when handling and managing cardholder data, equipping you with the tools and resources to improve cybersecurity within your business.
    The Merchant Trust Initiative provides you with access to a comprehensive toolkit that includes:
    • Access to cybersecurity experts, whenever you need it – 24x7x365 phone and email support.
    • TrustKeeper portal – Access to Trustwave threat detection portal, including vulnerability and network security tools, security awareness training and endpoint monitoring.
    • Education and knowledge on cybersecurity and privacy topics – Access to the Merchant Trust Initiative portal that includes practical guides, education materials, resources and support forum to help you and your staff implement and maintain good cybersecurity and data privacy practices.
    • Cyber liability insurance –Eligibility for an exclusive discount on Cyber Liability insurance through our partnership with BizCover. Terms and conditions apply.
    • TrustKeeper PCI manager – An all-in-one solution that helps you meet your PCI DSS compliance requirements, simplifying certification.
    • Increase Trust –Your customers can be assured that their personal and payment card data has been treated in the safest way possible, decreasing the chances of payment card and personal data being stolen.
    For more details, visit www.eway.com.au/mti

  6. Australe Pty Ltd also has cyber insurance in place.
    What it covers
    Business interruption loss due to a network security failure or attack, human errors, or programming errors
    Data loss and restoration including decontamination and recovery
    Incident response and investigation costs, supported by a 24/7 multilingual incident reporting hotline and on-demand vendors
    Delay, disruption, and acceleration costs from a business interruption event
    Crisis communications and reputational mitigation expenses
    Liability arising from failure to maintain confidentiality of data
    Liability arising from unauthorised use of your network
    Network or data extortion / blackmail (where insurable)
    Online media liability
    Regulatory investigations expenses

 

Friday, 17 May 2019 10:10

WA Local Government - WALGA

BCA Debt offers our services to collect upon local council debtors ledger.

WALGA supplier Our service includes the full debt collection process including the court proceedings through to enforcement, our business has a proven track record within the debt collection industry and we propose the following to WALGA members.

The Debt Collection

Our collection process is rigorous, the process starts with phones calls and emails. This gives a true indication of the debtor's attitude towards the debt. The role of BCA Debt will be to enforce the payment from debtors and in supporting those people struggling to keep up with payments by entering payment arrangements and keeping a line of communication with them.

Our experience tells us the majority of people want to do the right thing and get their debts paid, by supporting those who struggle with the day to day management of bill paying we can help reduce debt levels. Increasing the line of communication with debtors can greatly reduce the number of customers having court processes served upon them.

default notice debt collectionEnforcement

We have collaborated with Fort Knox Legal to complete the whole debt collection process. Fort knox Legal has a vast amount of experience in enforcement and their aim is to seek judgement against the debtor and then proceed to enforce payment. If a Debtor is refusing to pay or becoming difficult to recover funds from and the process of collection has been exhausted then the only means left is court action. Once court action is commenced, it will impact on the person being sued’s credit rating as the information becomes public, and will appear on the records of Equifax where most financial institutions refer to when seeking a credit reference for loan applications.

The Goal

Is to get the money paid as quickly as possible, via the least resources expended. The traditional debt collection process can be a fantastic way to get the money paid quickly. We understand that the nature of some of the customers are low income but that doesn’t mean they do not want to pay their debts, we deal with low-income earners all the time and from this experience, we know they want to be given a chance to pay down their debts and have someone they can talk too. ​Communication is the key to success.

Local Government and Companies on the Buyers List Access the eQuotes here.

walga prefered supplier debt management equotes

Thursday, 04 April 2019 08:21

Client Guide Ask Your Collector

Client Guide – Ask your Collector

Your collector is here to help you, any questions that are asked in the process of debt collection are for your collector to gain knowledge on the debt, we have compiled a series of articles based on information required by your collector to perform their role and have a smooth outcome.

Open the Client Guide

Monday, 18 September 2017 10:50

Add your business to BCA Debt

Are you looking for debt collection services in and around the Mandurah area? BCA Debt has assisted thousands of large and small businesses around Australia to recoup outstanding money and provide services in the Mandurah and surrounding areas.

BCA Debt implements a proven 6 Step Debt Collection process to professionally and efficiently recover monies owed to your company with personal service and 24-hour secure access to the status of your debt.

BCA Debt provide debt collection expertise and services throughout Western Australia including the local areas of:

  • The City of Mandurah
  • North of Mandurah – including Safety Bay, Rockingham, Port Kennedy and Baldivis
  • South of Mandurah – including Halls Head, Pinjarra, Falcon, and Dawesville.

Debt Collector Services in the Mandurah

You do not want to ruin your association or jeopardise any further business dealings with your client, but to wait months for payment is unfair and unjust. Chasing outstanding funds from debtors is stressful and frustrating, not to mention the changes to legislation, legal guidelines, and updates to the Privacy Act that business owners need to keep on top of. If you are based in, or around Mandurah and you are constantly taking time out of running your business to pursue those who owe you money for work already done, BCA Debt can help. They understand the feeling of waiting on funds from clients, the awkward and frustrating nature of dealing with this situation whilst trying to maintain a business relationship. BCA Debt can lift the burden on you by implementing professional strategies to rectify the problem and move forward.

Why use BCA Debt for your Debt Collection in Mandurah?

Specialising in debt retrieval for many industries including:

  • retail
  • strata and body corporate
  • medical, educational
  • real estate

BCA Debt boasts over 13 years of effectively assisting businesses in retrieving of owed debt and providing up-to-date and thorough advice to their clients.
Where Can I Find a Debt Collector in the Mandurah Area?
When you are looking for a debt collector in the Mandurah area, from Rockingham to Pinjarra, BCA Debt is proud to be of service. Call the team on 1300 136 917 to speak with a debt collection professional today.

Tuesday, 01 August 2017 10:58

Adding Debt Collection Costs

Adding debt collection costs to your debts.

Adding fees to your debt means you can get your debt collection for free; you must add the
additional fees before the debt goes to debt collection. By law, we cannot any additional fees
to the debt.
 
Please make sure your debtor has a signed credit agreement with you with a clause that
outlines they are liable for any additional costs should the account be passed onto a debt
collection agency.

Below is a breakdown of how to add costs to your debt

 
  Original debt eg:  $100.00
                              +  24.7 %    (percentage to be added)
                             $ 124.70       total to send for collection
 
Once we have subtracted our commission and GST you will receive the original amount back
and you will not be left out of pocket.
 
We expect to receive the full amount of the debt from your debtor, in this case, $124.70 once we
subtract our commission fees we will forward you the original amount of the debt.
Please see the below description explanation.
 
adding debt collection costs
 

Debt Collection over the past few years has changed dramatically. Keeping up with changes to the legislation, plus the introduction of the debt collectors guidelines and the recent updating of the Privacy Act means we all have to adapt and keep pace with these. This doesn't just affect debt collection agency's, businesses are expected to know and understand these law's and abide by the same guidelines when collecting their own debts.

Changes in technology have also been massive and I don't wish to show my age but the introduction to internet banking has made a remarkable difference to the way people are able to pay. However, they still have to make the effort to do this and sometimes this is where the frustration of getting debts paid comes from.

The constant following up on customers to pay their bills can get any business person down. Honestly, we often have the same problem, all businesses have to chase clients up to get paid at some time and we are no different. We completely understand how it feels to be waiting on money.

Having outstanding debts stifles cash flow and upsets the balance of your business and I know first hand how that feels.

The quicker you get onto your debtors the better chance you have of collecting the full amount of the debt.

One thing I have learned is that the quicker you get onto your debtors the better chance you have of collecting the full amount of the debt. Leaving money outstanding for too long is a big mistake, often business owners are afraid of upsetting a customer by asking them to pay up. This can lead to a poor relationship between you and resentment can set in, waiting for money that is owed months after a job has been done is unfair and unjust.

Take Action Now and Get your Debts Paid Back, don't leave your debt collection to chance.

 

Are you having disputes with customers over money they owe you or late payers who are stifling your cash flow?

We understand how frustrating this can be; we have worked with many clients over the years who have lost money when it could have been avoided.
 
Why risk the loss of income which could cause financial difficulty? Could you be missing the essential elements the majority of successful businesses use to safeguard their finances?
 
The bad news is, your late payers are using your money while you may be suffering from cash flow problems. Let me help you create simple policies that your staff is empowered to use when quoting and accepting a new customer.
 
I can show you how to make your Terms and Conditions clear, by writing them in plain English, easily understood by you and your customers, including a well-defined dispute resolution processes.
 
Let’s include clauses that put the cost of Debt Collection back on to the customer if they fail to pay.
 
If you want to know the truth about how to prevent debts, the secret is in the use of proven strategies that many of our clients, and we, have used to improve our businesses.
 
To move to the next level of professionalism implement your debt prevention strategy. Simply fill out the purchase form for the Credit Management Toolbox now, and start managing your business the way other successful businesses do.
 
Take advantage of a free 30 Minute consultation. We will go through the system and help you determine if it is right for you.

Often when work is completed sending your invoice is the last thing on your mind, but actually, it should be on your mind all through the job, if you are billing for hours keeping good records as you go can help make the invoicing process a lot easier.

Make sure your billing is detailed, set aside time at the end of each session for this. I can’t tell you how many debts we have that are disputed overtime issues.

Keep detailed records of your time

If it’s possible, get your customer to sign off on your times especially if the job will go over a few days or weeks. Customers don’t like surprises on their invoices and my suggestion is that you keep them updated daily. If you can get your customers to sign a daily time sheet or if they are not present send an SMS letting them know of your times, this way you both have a record.

Most accounting packages have time tracking, but I am sure there are apps that you could use.

Keep detailed records of inventory

Second but of equal importance is to keep detailed records of inventory, this is another area the causes disputes resulting in debts not being paid, so many arguments happen over the costs and amount of materials used on a job. Please record what is useful and again get your customers to acknowledge these as you move through a job. Keep good records so at the end of the job you are not guessing what was used.

Use a job completion form

When you have completed the job get your customer to sign off that the job has been completed to their satisfaction. Use a dedicated job completion form that includes the clauses from your Terms and Conditions stating what the requirements are for a remedy if they are not happy with any element of the job. This form should also have a time frame in which they have to raise concerns and a process to which to raise these.

This is so important because many jobs that are not remedied quickly get left to fester and may never be paid and it may have been over one small element of the job.

I can’t stress how important having a disputes resolution process is for your business.

Make it someone's job, preferably not yours

You can make it your administration person or bookkeeper responsibility to ensure jobs are signed off on and completed to your customer’s satisfaction.

So now it is time to send your invoice, as part of the finalisation of a job gather all the information and send it to your bookkeeper, I also recommend calling them and to discuss all the elements in the invoice. This can save a lot of time in the long run if there is confusion over element of the job being invoiced. You will also get clarity that your bookkeeper knows exactly what to put in the invoice.

Then send it off by email through your account package 

In summary:

  1. Make sure you track your time and inventory for every job
  2. Keep detailed records to send to both your customer and your bookkeeper
  3. Have a completion form filled in by your customer at the end of the job
  4. Use your accounting package's features for tracking time and sending invoices 

Check that your Terms and Conditions have a dispute resolution process that suits your business.

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