ACS Asset Management

Leaders in receivable servicing

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About Us

An ideal partner for any organization

At ACS Asset Management (ACS), we provide our clients with complete end-to-end outsourced solutions for managing and servicing their loan and other receivable portfolios.

ACS deploys proprietary, web-based IT platforms that facilitate the full range of activities involved in receivable portfolio management - including product design, online credit applications, credit assessment, documentation, settlement, servicing and collections.

ACS is an ideal partner for any organization that is seeking to outsource the servicing of a wide range of receivables - including for both primary and backup servicing roles.


Solutions

Whether it is regulated consumer credit (NCCP), commercial loans or general receivables, we can provide solutions for:

  • Automotive Lending/Floor Plan/Stocking Loans
  • Credit/Store Charge Cards
  • Fixed Term Lending
  • Insurance Premium Lending
  • Invoice Discounting
  • Memberships
  • Consumer Lending (NCCP)
  • Professional Fee Funding
  • School Fees

Lending

If you are an investment bank, non-bank lender, fund manager or startup we can provide a wide range of outsourced management services across a variety of asset classes.

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Cashflow

To improve your cashflow via automated collection services - including Direct Debit, BPAY, POSTPAY and Credit Card processing - we provide a wide range of outsourced consulting, design, management, IT and processing services across a variety of receivables.

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Lending


ACS provides clients with a full range of outsourcing services across a variety of receivables including:

Outsourcing

ACS can provide all the necessary tailored combinations of systems, staff and processing - specifically designed for your needs.
Whether you are looking to outsource a specific role to complement your existing infrastructure and functional requirements or you are looking for a partner that offers total, end-to-end portfolio management - ACS can develop a solution that will meet your requirements.

Product Design

Our team has a wealth of knowledge in lending processes and systems, and can assist with the design of products and processes to achieve your commercial objectives while satisfying compliance obligations.
In addition, ACS has extensive capabilities in developing financial models to support feasibility analyses on credit and other financial products - enabling you to undertake detailed financial sensitivity and scenario analysis on your products during the design phase.

Introductions

If you’re just starting out and need assistance or are looking to extend your existing service or product offering, ACS can provide additional advisory services including introductions to:

  • Funders - Debt Funding
  • Lawyers - Transactional Documents
  • Bankers - Processing
  • IT - Hosting Services
  • IT - Loan Management Providers
  • Credit Reporting Agencies

The Lending Process


ACS Asset Management Lending Diagram

Cashflow


To improve your cashflow via automated collection services - including Direct Debit, BPAY, POSTPAY and Credit Card processing – ACS offers a wide range of outsourced consulting, design, management, processing and IT services.

ACS’s solutions can be deployed for a broad variety receivables in addition to traditional credit products – such as membership subscriptions, professional fees, customer contracted subscriptions, customer invoice instalments, professional fees, charitable donations, school fees etc.

Engaging ACS’s solutions can be a highly cost-effective strategy that can dramatically improve your organisation’s cashflow.

The Cashflow Process


ACS Asset Management Cashflow Diagram

Automated lending is here.

Talk to us about our suite of advanced end-to-end lending systems

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Governance & Risk


Governance and risk is one of the most important considerations when choosing to outsource the servicing of your portfolio.

ACS constantly strives to maintain the highest standards of service and support to all our clients and their customers.

Internal Control and Procedures

ACS’s internal controls and procedures are applied across all aspects of ACS and the services we provide including;

  • Loan origination
  • Approval processes
  • Customer communication
  • Collections and recovery
  • Dispute resolution

In addition, our systems incorporate automated system checks and alerts that identify potential issues – even before they occur.

ACS provides an ongoing internal audit process across all areas the services we provide including:

  • Operational activities
  • IT processes and systems
  • Portfolio servicing and reporting

ACS constantly seeks to identify, monitor and resolve any issues prior to them occurring or escalating. The proactive nature of these undertakings reduces potential exposure to a minimum.

At All times ACS maintains the following licenses and memberships:

Australian Credit License (ACL) 468425

External Dispute Resolution (EDR) membership with Credit Ombudsman Service Ltd (COSL)

We are also continually updating our compliance procedures and practices at both a corporate and client level, by way of ongoing compliance and legislation training for all employees.

ACS has a strong focus on corporate and personal ethics in all our dealings with both our clients and their customers. All staff operate on an agreed Ethics Policy which includes a client confidentiality or “Chinese Wall” policy when dealing with sensitive client information.

As a member of COSL, ACS is also bound by Rules of the Credit Ombudsman Service Ltd (COSL).

Any correspondence provided to clients’ customers in the course of managing receivables - whether verbal, written or electronic - is tightly controlled and always subject to client approval of an agreed communication plan.

All correspondence templates are maintained and version control is tracked at all times.

Consumer Information


ACS strives to provide the highest possible level of customer service to assure consumers that they have confidence when dealing with our company at any level.

We are proud of our customer service culture and make every effort to ensure that our customers are satisfied with the service they receive.

ACS strives to provide the highest possible level of customer service to assure consumers that they can have confidence when dealing with our company at any level.

We are proud of our customer service culture and make every effort to ensure that our customers are satisfied with the service they receive. However should our customers feel that our service is not what it should be, we want to hear about it and resolve any issues.

We undertake to reply promptly to you once we are in receipt of any suggestion or complaint.

Should you have a suggestion or wish to make a compliant you can either direct your enquiry to one of the following;

Online
Complete the online form under contact us

Phone
Feel free to call 1300 851 953

Postal
Compliance Manager
PO Box 7795
Cloisters Square WA 6850

If we do not reach agreement on your complaint, you can refer certain matters to the Credit Ombudsman, who can investigate and resolve disputes of up to $250,000. This service is free to you. You can lodge your complaint by phone, fax or mail.

Credit Ombudsman Service Limited

Postal - PO Box A252 Sydney South NSW 1235

Phone - 1800 138 422 or 02 9273 8400 Fax: 02 9261 2798

Email - info@creditombudsman.com.au

Website - www.creditombudsman.com.au

Life doesn’t always go to plan...

If you are experiencing financial difficulties or have defaulted on a recent payment, we encourage you to contact our Customer Support Department as soon as possible so that we can assist you.

Our Customer Support staff are friendly, supportive and keen to help you in any way we can. We understand that sometimes life doesn’t always go to plan.

If you find you are having difficulties meeting your loan repayments due to changes in employment or family circumstances, natural disasters, injury, illness or the like, we may be able to help.

Understanding your financial circumstances is crucial to determining what assistance might be possible. When you make contact we will seek some information about your situation and explain to you what assistance options you have to help meet your financial obligations.

If you require assistance or simply want to discuss your situation feel free contact us on one of the following;

Online - Complete the online form under contact us

Phone – Feel free to call 1300 851 953

Postal – Customer Service

PO Box 7795
Cloisters Square WA 6850

LETTER OF AUTHORITY

(click here to download the Letter of Authority)

CREDIT GUIDE

This Credit Guide and other disclosure documents that we may give you, are important documents. These documents are all written in plain English. If you are unable to read English you should get help from an independent translator to interpret this material.

This Credit Guide and other disclosure documents that we may give you, are important documents. These documents are all written in plain English. If you are unable to read English you should get help from an independent translator to interpret this material.

What is a Credit Guide?

This Credit Guide is designed to assist you in understanding the credit services offered by Automated Collection Services Pty Ltd (ACS). This Credit Guide outlines the types of credit services that ACS provides, gives information on ACS’s obligations to you with respect to providing those services, and if necessary, how to make a complaint.

Who is ACS?

ACS has been appointed by your credit provider to manage your loan, and will be involved in ensuring all payments owed under your credit contract are made by the due date. We are also responsible for following up any arrears. If you have any questions at any time about your account, please contact us by:

Online - Complete the online form under contact us

Phone – Feel free to call 1300 851 953

Postal – Customer Service

PO Box 7795
Cloisters Square WA 6850

What should you do if you have a complaint?

We are proud of our customer service culture and make every effort to ensure that our customers are satisfied with the service they receive. However should our customers feel that our service is not what it should be, we want to hear about it and resolve any issues.

We undertake to reply promptly to you once we are in receipt of any suggestion or complaint. In relation to complaints, we will always try to resolve the dispute.

Should you have a suggestion or wish to make a complaint you can:

Online - Complete the online form under contact us

Phone – Feel free to call 1300 851 953

Postal – Compliance Manager

PO Box 7795
Cloisters Square WA 6850

If we do not reach agreement on your complaint, you can refer certain matters to the Credit Ombudsman, who can investigate and resolve disputes. This free service is established to provide you with an independent mechanism to resolve specific complaints.

Our external dispute resolution provider is:

Credit Ombudsman Service Limited

Postal - PO Box A252 Sydney South NSW 1235

Phone - 1800 138 422 or 02 9273 8400 Fax: 02 9261 2798

Email - info@creditombudsman.com.au

Website - www.creditombudsman.com.au

Contact ACS Asset Management

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