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5 motivations for calling a collection agency
5 MOTIVATIONS FOR CALLING A COLLECTION AGENCYDo you spend too much time chasing debtors, checking your cash flow and defending your reputation? Do you have too little time left to devote to your core business? Are you inhibited by the exportation risks? These are...
Automated Electronic Debt Collection
AUTOMATED ELECTRONIC DEBT COLLECTION In debt collection, as in other professions, it is tempting to believe that electronics and automation can replace humans. Is it so? How did IT invade our businesses and homes, what can it achieve and what are its limits? ...
Can debt collection be free of charge?
CAN DEBT COLLECTION BE FREE OF CHARGE?"How much will it cost me? This is probably one of the first questions you will ask yourself when considering collecting your unpaid bills. There are many “free” debt collection offers on the market. But if it's free, how do these...
Unpaid invoices during a pandemic
UNPAID INVOICES DURING A PANDEMIC The measures announced by the governments following the pandemic were brutal and severe. The economic consequences will be felt for several years. What do we see for the first few months regarding unpaid invoices? What can we...
The Bill against the Debt Industry Actually Calls for Debt Collection
THE BILL AGAINST THE DEBT INDUSTRY ACTUALLY CALLS FOR DEBT COLLECTION Many politicians are happy to use the expression “debt industry” (see for example our article on the bill amending the law of 20 December 2002 on amicable collection of consumer debts, in order to...
Unfair provisions in general terms and conditions
UNFAIR PROVISIONS IN GENERAL TERMS AND CONDITIONS What would be the problem caused by unfair provisions in your general terms & conditions? In a previous post, we talked about provisions that can turn your terms and conditions into an effective weapon and shield....
Public procurement for debt collection
PUBLIC PROCUREMENT FOR DEBT COLLECTION Many creditors use public procurement to select a debt collection provider. Does this system offer all the guarantees it is supposed to offer? Let's see this in practice. Why a public tender? Public administrations...
Debt collection and home working
DEBT COLLECTION AND HOME WORKING One of the consequences of COVID-19 is the widespread increase in the use of home working. What about the debt collection industry and TCM in particular? It's all about balance. The functional cost / benefit of teleworking...
Internship collection agency
INTERNSHIP AT A COLLECTION AGENCY: DISTRESSING OR FULFILLING? Mathias Vanderwegen and Sarah Bruyneel are two students of UC Leuven-Limburg who have completed an internship at the debt collection agency TCM Belgium. Together they could experience for themselves whether...
General sales conditions the essential
CLEVER GENERAL SALES CONDITIONS TO ESCAPE GENERALISATION You may already have experienced it: you want to apply your general sales terms and conditions and the buyer imposes his own purchase terms and conditions on you. Which ones prevail? And which provisions are...
Costs and interests in case of default: is legal also just?
COSTS AND INTERESTS IN CASE OF DEFAULT: IS LEGAL ALSO JUST? Posted 1 June 2020 For at least one of our ‘battle-hardened’ credit controllers costs and interests hold no more mystery, no more terror. After all, she had to pay enough back in her student days and, in...
Facilitate invoice recovery by inserting a QR code
FACILITATE INVOICE RECOVERY BY INSERTING A QR CODE Posted on 19 May 2020 In about 95% of cases, your customer pays you on time. All you need to do is to send them the invoice. But technical measures, like inserting a QR code on your invoice, can improve this score....
Capital, dividend, solvency: the new Company Code
CAPITAL, DIVIDEND, SOLVENCY: THE NEW COMPANY CODE Published on 5 May 2020 The new Company and Associations Code (CSA-code des sociétés et des associations), published on 23 March 2019), has extensively reshaped the legal landscape in Belgium. The solvency of a company...
Transfer of receivables automated for yuki clients
TRANSFER OF RECEIVABLES AUTOMATED FOR YUKI CLIENTS Published on 25 April 2020 Good news for your administration! Our cooperation with the accountancy platform Yuki (API connection) now makes the transfer of receivable even easier, by automation. Tsunami Yuki As...
Crisis cash-flow management
CRISIS CASH-FLOW MANAGEMENT It is too early for statistics on business casualties caused by the COVID-19 pandemic. However, one can be certain that those who will survive are the one’s who can manage their cash-flow. After having defined its crisis policy, TCM...
Coronavirus, continuity of TCM services
CORONAVIRUS, CONTINUITY OF TCM SERVICES TCM adapted its processes, according to its values, to continue servicing you despite the crisis caused by the coronavirus pandemic: Respect for public health decisions Teleworking is maximized so we avoid...
What is the impact of the coronavirus on the (international) debt collection activities of the TCM Group?
What is the impact of the coronavirus on the (international) debt collection activities of the TCM Group? Coronavirus puts globalisation to the test The coronavirus has grown into a pandemic, a global problem. Logically it also infects the operation of our...
The economics and psychology of poverty: can debt collection increase the bandwidth of debtors?
The economics and psychology of poverty: can debt collection increase the bandwidth of debtors? In the six years that I worked as a full-time credit controller at the collection agency TCM Belgium, I often heaved a sigh. Don't get me wrong, the job is very diverse and...
The coronavirus, credit lines and collection of unpaid invoices
The coronavirus, credit lines and collection of unpaid invoices The coronavirus (COVID-19) has been in the news since January. Although China was still surprised at the start of the epidemic by the scale of the problem, it seems to be controlling the virus better and...
How do we secure your debt collection data?
HOW DO WE SECURE YOUR DEBT COLLECTION DATA? Recent events have reminded us that companies’ software and data processing systems need to be maintained and monitored for security. Debt collection has to do with people’s wallets, which requires discretion. The law,...
ANNUAL TCM REVIEW 2019: Etienne van der Vaeren, CEO
ANNUAL TCM REVIEW 2019 Etienne van der Vaeren, CEO The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Etienne's turn, our...
ANNUAL TCM REVIEW 2019: Sven Dereze, Sales Manager
ANNUAL TCM REVIEW 2019 Sven Dereze: Sales Manager The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Sven's...
ANNUAL TCM REVIEW 2019,: Iris Borgenon, Visitor & Sales Assistant
ANNUAL TCM REVIEW 2019 Iris Borgenon: Visitor & Sales Assistant The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is...
ANNUAL TCM REVIEW 2019: Tifanny Jacobs, credit controller
ANNUAL TCM REVIEW 2019 Tifanny Jacobs: credit controller The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Tifanny's turn,...
ANNUAL TCM REVIEW 2019: Julie Voets, credit controller
ANNUAL TCM REVIEW 2019 Julie Voets: credit controller The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Julie's turn, our...
ANNUAL TCM REVIEW 2019: Kim Rutten, Marketing & Communication officer
ANNUAL TCM REVIEW 2019 Kim Rutten: Marketing & Communication officer The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is...
ANNUAL TCM REVIEW 2019. Sanne Mistiaen: Senior Credit Controller.
ANNUAL TCM REVIEW 2019 Sanne Mistiaen: Senior Credit Controller The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Sanne's...
ANNUAL TCM REVIEW 2019. Kim Ingelbrecht: Accountancy & HR.
ANNUAL TCM REVIEW 2019 Kim Ingelbrecht: Accountancy & HR The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Kim's turn,...
ANNUAL TCM REVIEW 2019. Julie Nijs: External Credit Controller
ANNUAL TCM REVIEW 2019 Julie Nijs: External Credit Controller The end of the year is approaching, time for some (self-)reflection! During this festive period we ask our TCM colleagues to take a look back at their personal TCM highlights of 2019. Today it is Julie's...
New debt collection bill : All Equal?
[Opinion piece] Everyone equal before the law in the new bill? The past few years have seen a rag-tag procession of all kinds of political and legal proposals, some of them more exciting or creative than others. One of the first things I do every morning is reading...
