Debtor tracing platform for New Zealand collections teams

A collections ledger is a queue of two decisions repeated at volume: can this person be located, and is there anything behind them. Most teams answer them in the wrong order and at the wrong cost. Contact details are chased first, agents are instructed, letters go out, and only after weeks of activity does someone discover that the debtor entered a no-asset procedure four months ago or that the only property in their name carries a registered security interest ahead of every unsecured creditor in the file.

intelID answers both in the same enquiry. Address and contact data from directory, digital footprint and credit file sources is compared so the most recently recorded address is visible rather than inferred. Property and title data show what is owned. PPSR registrations show what is already secured and to whom. Insolvency data shows bankruptcy, no-asset procedures and debt repayment orders. Company records show whether the debtor holds directorships or shareholdings that change the recovery picture, including the trading entities behind a personal guarantee.

For a portfolio, the value is triage. Files that cannot be recovered are identified and closed early. Files with a real asset position are prioritised while the asset still exists. Files where the debtor has simply moved are progressed with a current address rather than another cycle of returned mail. Recovery rates depend on your portfolio and process, and we do not publish figures we cannot substantiate. What we will say is that in most ledgers a meaningful share of files are uneconomic to pursue and a smaller group are genuinely recoverable, and the value of the search is telling them apart in the first week rather than the sixth month.

Collections is the area where access controls matter most, because the volume is high, the staff turnover is real, and the data is credit reporting information governed by the Credit Reporting Privacy Code 2020. A single search run without a lawful purpose is a complaint, and the organisation, not the collector, wears it.

intelID requires an authorised-purpose declaration on every search before results are returned. Access is granted by role, so a collector working consumer files does not hold the reach of a recoveries manager. Every query is logged with the user, the timestamp, the sources read and the declared purpose, and the log cannot be edited by the person who created it. When a debtor complains or an auditor asks, the answer is a record, not a reconstruction.

Subject data is not used for marketing, is never resold, and is never exposed to public indexing. The statutory detail sits on the compliance page, the hosting and encryption position on the security page, and each source with its legal basis on the data sources page.

Reports are for your own internal business purposes and the purpose declared when the search was run. They may be disclosed to your client, or to a court, tribunal or regulator, in connection with the matter the search was run for. Anything wider needs our prior written consent. The position is set out in clause 7.1 of our terms and conditions.

Tracing and asset assessment sit in one workflow rather than two products. The search sequence is described on the platform page, and pricing is a monthly subscription plus a per-search fee, published on the pricing page, so cost tracks the work rather than the headcount.