To date, we have purchased portfolios in a number of sectors including Financial Services, Consumer Lending, Motor Finance, Utilities, Claims Management, Telco, Insurance and Retail to name a few.
Whilst our experience tells us that each sector presents its own challenges and customer demographic, we have often found that by applying our learning’s from each sector, we can better understand our wider customer base.
This approach has been pivotal in optimising our return, allowing us to be extremely competitive when pricing.
STRATEGY & PROCESS
Understanding the customer
Our pricing model is unique to us and allows us to find value in cases that other purchasers may disregard. We achieve this through using a combination of customer insight and data analysis, combined with over 150 years senior management knowledge, experience and expertise.
We undertook a significant case study which initially looked at the outcome, before mapping back to the associated action that prompted the outcome.
Intelligent Reverse Engineering
Our next action was to identify key attributes associated to cases which resulted in a positive outcome.
Our final action was to use our findings to create a highly sophisticated algorithm which assesses over 800 data points before assigning a ‘Financial Wellbeing’ score.
ANALYTICS AND INSIGHTS
Analytics and insights
Our objective is to build long standing, mutually beneficial partnerships with our clients. We believe the key to this is being fully transparent when it comes to pricing and performance. Sharing our findings and proposed strategies offers our partners genuine assurance that all customers circumstances are considered.
This includes excluding cases that we would deem inappropriate to sell.
13%
Financially Vulnerable
3%
Deceased
17%
Negative Financial Trajectory
Strategies reflective of wellbeing.
Our approach is deliberately simple yet incredibly effective
We believe that the most effective strategy, is the one which best matches the customers circumstance.
We have established strong partnerships with a range of industry leading specialist DCA’s and Legal partners.
Our assignment process is dictated by a combination of Debt Type, Sector and our Customer Wellbeing Score.
We consider the customer journey at every decision point and challenge the process to eradicate the risk of customer detriment.
Our approach is deliberately simple
yet incredibly effective
To all our clients, customers and contacts: - Our offices are closed to the public, due to the restrictions of the Covid-19 virus, but we continue to offer online and telephone support as usual and we aim to continue to do so whilst taking account of Government advice.
All of our Team have the ability to work from home and we have put in place a number of remote working practices to enable us to continue to work efficiently and effectively throughout these very difficult times. We will monitor and respond to this ongoing and quickly changing situation on a daily basis.
Many thanks for your patience in these very difficult times and please keep safe.
Merligen Investments Ltd has ceased to trade and on 20 November 2023 entered into a members’ voluntary liquidation (a solvent liquidation). For any queries please use the Contact Form.
