AI agents work your full account book via voice, SMS, email, and WhatsApp. 24/7, negotiating payment plans and closing accounts without human agents. Consumer Duty compliant across every channel.
"We've been working closely with Rel8 on deploying Apex Collect across our UK portfolio. Early indicators on contact rates and compliance adherence are tracking ahead of expectations."
Accounts that aren't economical to touch with human agents
£25-35k/year per agent, 30-40% attrition, 6-8 weeks training time. The cost per resolution puts a large part of every book permanently out of reach.
1.5% RPC rate means 98.5% of dials go nowhere. You can't justify agent time on those odds.
Every new hire resets your compliance training. Scripts drift. QA misses things. Human variability is unmanageable at scale.
Consumer Duty, vulnerability detection, TCF - one mistake costs thousands. Manual QA can't catch everything.
At 1.5% RPC rate with a predictive dialler, a fully-loaded agent costs over £50 per right-party contact. Factor in 3-5 contacts to reach a resolution and your cost per recovered account exceeds £150-250 before you've negotiated a penny. On any account where expected recovery sits below that threshold, the book never gets worked - not because the debt isn't collectable, but because the unit economics don't justify human time. That's the segment Apex Collect was built for.
You give us the account data. We handle everything else.
Send us the account data for your unworked book - the accounts you can't economically touch with humans. We integrate with your CRM or accept CSV uploads.
AI agents reach out via voice, SMS, email, and WhatsApp - have natural conversations, detect vulnerability, negotiate payment arrangements, and handle objections. Consumer Duty compliant across every channel.
Payment arrangements confirmed, promises to pay logged, card payments taken on the call. Every account outcome reported back to your CRM.
Pay only for successfully resolved accounts. If we don't resolve it, you don't pay.
Success-based pricing. No setup fees. No monthly minimums.
Full call recordings, transcripts, real-time compliance dashboard, and CRM integration included.
| Human Agent | Apex Collect AI | |
|---|---|---|
| Pricing Model | Fixed salary + overhead | Pay per resolution |
| Cost Per Agent | £35-50k/year fully loaded | £0 unless we resolve |
| Availability | ~100 hrs/month active calls | 720 hrs (24/7) |
| Annual Attrition | 30-40% | 0% |
| Training Time | 6-8 weeks | Instant updates |
| Channels | Voice only | Voice, SMS, Email, WhatsApp |
| Compliance Consistency | Variable (QA sampling) | 100% every call |
| Vulnerability Detection | Depends on training | Automated, every call |
| Book a Discovery Call |
Not bolted on. Baked in from day one.
Must deliver "good outcomes" for customers. Our AI is trained to offer appropriate forbearance and fair treatment on every call.
Clear, fair, not misleading communications. Every script reviewed by compliance specialists. No aggressive tactics.
Real-time NLP detects signs of confusion, distress, or financial difficulty. Automatic escalation to trained human specialists.
Legacy regulation, still enforced. Fair outcomes baked into every interaction. Full audit trail for every decision.
Every interaction recorded, transcribed, and scored in real-time. No sampling. No gaps. Complete audit trail across voice, SMS, email, and WhatsApp.
SOC 2 Type 2 certified. ISO 27001. PCI-DSS compliant for payment processing. Built to EU AI Act standards. £5M E&O insurance.
Production-grade infrastructure. Your data stays in your AWS region.
Multi-agent orchestration powering autonomous collections conversations across all channels.
Claude-powered conversational AI with context-aware negotiation and vulnerability detection.
Compliant outbound SMS with unified context across voice and messaging channels.
Secure, high-deliverability email outreach integrated with the multi-channel conversation flow.
Your book grows but headcount doesn't. Agent attrition resets compliance training every quarter. Margins compress as placement volumes increase.
The unit economics of in-house outbound don't work for accounts where expected recovery is below agent cost. DCA placement fees compound the problem. Compliance exposure grows with every uncontacted account.
Portfolio volumes are unpredictable. Hiring lags demand by months. New agents take 6-8 weeks to reach compliance standard - then leave.
Yes. Natural intonation, appropriate pauses, emotional responsiveness. When asked, it discloses it's AI - but customers engage naturally and complete calls at high rates.
Yes. Agents are built specifically for collections - they handle hardship conversations, negotiate payment plans and settlements, process payments securely, and manage objections. When a conversation requires human judgment, the agent escalates with a full summary of what was discussed.
Voice (outbound and inbound), SMS, email, and WhatsApp. Agents maintain unified context across channels - if a customer replies to an SMS after a voice call, the agent has full history and doesn't start from scratch.
No catch. You only pay when accounts are successfully resolved. Pricing is tailored to your portfolio characteristics. No setup fees, no monthly minimums, no risk.
Most implementations go live in 2-4 weeks from contract signature. Simple use cases - single workflow, flat file integration - can be live in under two weeks. More complex deployments with API integrations and multiple client portfolios typically take 3-4 weeks.
Yes. DCAs managing accounts for multiple creditors can run distinct agent instances per client - each with custom compliance rules, negotiation limits, settlement authority, and reporting. All managed through a single platform.
Real-time NLP detection for signs of confusion, distress, or financial difficulty. Automatic escalation to trained human specialists.
Immediate warm transfer with full context. The customer never has to repeat themselves. We log the escalation reason for continuous improvement.
All data processed in UK/EU. Full GDPR compliance. Encryption at rest and in transit. We can sign DPAs and work with your security team.
No. Your account data and customer information remain confidential and are never used to train AI models. All data handling is governed by your DPA. Your data is yours.
Yes. We support daily flat file exchange (CSV/JSON), real-time API integration, and webhook-based triggers. We integrate with Codix, Invicta, FICO, and most major collections platforms. For custom systems, flat file integration gets you live fastest.
No setup fees. Pay only for successfully resolved accounts.
Book a Discovery CallOr email us at hello@rel8.cx