The Charlbury Group

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 five 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

A small selection of our Partners

Overview of AMS

• AMS is a web based distribution and information collection system

Lender

AMS

Litigation Solicitors

Field Agents

Asset Managers

AMS Key Points

• Lender maintains full control of instruction distribution to your supplier

panel with an easy to use allocation engine

• Tailored independent and aggregated management information

• Exception reporting based on your working methods

• Little or no IT work required by you

• One connection provides multiple connections

• Full audit trail

• Secure data transmission

• Low cost

The role of TCG

• Lenders choose, pay and manage the relationship with suppliers

• All data and case information is the property of the Lender or the supplier

• TCG has already built/builds connectivity with numerous 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 via a full XML interface

• Creating interfaces removes double keying which reduces cost and errors

BCP, DR and Security

• TCG hosts systems in 2 secure data centres with a fully managed

environment

• Data replicated in near-realtime to DR data centre

• Familiar with lenders policies on BCP and security

• Server and computers managed by Active Directory

• SSL used to encrypt data for external access.

• Firewalls to secure all network access to the outside world

• Registered for data protection, with regular training

• In last 5 years we have NOT had any unscheduled down time in

working hours.

AMSField Agent

AMSField Agent

Lender

AMS: Field Agent

Field Agent Firm Field Agent Firm Field Agent Firm

Lender-controlled Allocation Engine Full suite of Management Information Reports returned automatically

Key Features

• Lender-controlled allocation process based on your own rules

• AMS: Field Agent can work with any type of data feed from a lender

• Data security as 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

Management Information

• Management Information returned from the system directly to a Lender

includes:  

– Number of instructions sent to Field Agent Companies

– Number of reports returned by Field Agent Companies

– Time taken to return reports by Field Agent Companies

– 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

Costs

• No set up fees or on-going development fees for anyone

• Time Cost – Agreeing definition dictionary for aggregated MI

• Limited IT / no IT work required by you 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

• Field agent companies may be margin sensitive when the lender fees are below the market norm

Some AMS: Field Agent users

PDPPDP

AMS Summary

• Ease and control of instruction distribution

• Independent and aggregated management information

• No IT work required by you

• 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