Products · Collections & RecoveryHigher recovery.
Lower exposure.
From early arrears to agency placement. Structured, fair collections conversations that increase contact and recovery without increasing risk.
Illustrative call flowLIVE
MEGA.AIAPPROVED · COL-02 + LIVE DATA
Thanks for confirming, Mr Ahmed. I’m calling about your loan account, which is currently £250 behind.
CUSTOMER
I know. I can’t pay it all right now.
MEGA.AIAPPROVED · COL-05
I understand. We have a few options. Could you pay part of it today, or tell me when you could pay?
CUSTOMER
I could do £100 on Friday.
MEGA.AIAPPROVED · PTP-01
Thank you. I’ve noted a promise of £100 on Friday. I’ll text you a secure link to make it easy.
Every MEGA.AI line is pre-approved. Live data is inserted into approved slots only.
What it handles
Every stage of arrears. One standard.
Pre-delinquency
Support customers showing early signs of difficulty.
Early arrears
Prompt, supportive contact after the first missed payments.
Promise-to-pay
Record commitments and return them to your system for follow-up.
Broken promises
Supportive re-engagement when a promise or plan is missed.
Late stage & pre-legal
Clear, compliant notices and final options, as approved.
Agency first contact
Right-party contact and first conversation after placement.
Settlements
Settlement offers set in your system, presented in approved wording.
Tracing confirmation
Confirm contact details on the right account holder.
How it works
Firm, fair and consistent.
01
Verify
Right-party contact and ID&V before any detail.
02
Inform
Arrears, amounts and consequences in approved, plain language.
03
Assess
Vulnerability signals shape the options.
04
Resolve
Payment, promise to pay or transfer, within your rules.
05
Record
Outcomes, promises and flags passed to your team, or written to your collections platform once integrated.
Why deterministic matters here
Collections is where regulators look first.
Every collections call is a potential complaint, a potential audit and a potential headline.
Regimes such as the FCA’s Consumer Duty in the UK and FDCPA and Regulation F in the US demand fair, consistent treatment. MEGA.AI makes it the only possible behaviour.
Fair by design
No pressure tactics, ever.
Consistent
Every agent speaks the same way.
Contact rules
Calling windows and frequency enforced.
Auditable
Every call explainable.
Proof, not promises
Higher recovery.
Lower exposure.
Lower exposure.
Begin with one arrears stage. Live in production within 4–6 weeks.