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 makes low-balance accounts uneconomical.
1.5% RPC rate means 98.5% of dials go nowhere. You can't justify agent time on those odds.
30-40% annual turnover. 6-8 weeks training. By the time they're productive, they leave.
Consumer Duty, vulnerability detection, TCF - one mistake costs thousands. Manual QA can't catch everything.
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.
Our AI voice agents dial out, have natural conversations, detect vulnerability, negotiate payment arrangements, and handle objections - all Consumer Duty compliant.
Payment arrangements, promises to pay, card payments taken. Every interaction recorded, transcribed, and logged for compliance.
Pay only for successfully resolved accounts. Pricing tailored to your portfolio characteristics. If we don't resolve accounts, you don't pay.
Success-based pricing. No setup fees. No monthly minimums.
That's it. We handle the rest.
| Human Agent | Apex Collect AI | |
|---|---|---|
| Pricing Model | Fixed salary + overhead | Pay per resolution |
| Productive Hours/Month | ~100 hrs (25 hrs/week) | 720 hrs (24/7) |
| Sick Days | ~8 days/year | 0 |
| Annual Attrition | 30-40% | 0% |
| Training Time | 6-8 weeks | Instant updates |
| Compliance Consistency | Variable (QA sampling) | 100% every call |
| Vulnerability Detection | Depends on training | Automated, every 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 confusion, financial stress, mental health indicators. Immediate escalation to human specialists.
Legacy regulation, still enforced. Fair outcomes baked into every interaction. Full audit trail for every decision.
Our track record: 0 FCA compliance breaches across 15+ clients. £5M E&O insurance covering regulatory fines from AI agent errors.
Millions of accounts sitting untouched because they're not economical to work with humans. AI changes the economics.
£50-500 balances where human agent time costs more than the potential recovery. AI makes every account workable.
Portfolio growth means headcount - if you can find and retain qualified agents. AI scales instantly with zero recruitment.
Yes. Natural intonation, appropriate pauses, emotional responsiveness. The technology has advanced significantly - most customers don't realize they're speaking to AI.
Immediate warm transfer with full context. The customer never has to repeat themselves. We log the escalation reason for continuous improvement.
Real-time NLP detection for confusion, financial stress, mental health indicators, cognitive impairment signals. Automatic escalation to trained human specialists.
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.
Yes. We integrate via API with Codix, HansaWorld, Invicta, FICO, and most major platforms. For custom systems, we can work with CSV exports.
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.
We're looking for 2 UK operations to pilot in January. No setup fees. Pay only for successfully resolved accounts.
Book Your PilotOr email us at hello@rel8.cx