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 Partners4

5. A small selection of our Partners5

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

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

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 ?