60-70% of contacts are payment confirmations, balance inquiries, and arrangement updates—simple interactions consuming majority of agent time.
£3-5 in agent time per arrangement. At 12K contacts/month = £576K annually, plus opportunity cost of neglected complex cases.
Manual processes = inconsistent outcomes. One missed vulnerability or compliance breach = thousands in fines and reputation damage.
30-40% annual turnover, 6-8 week training. Portfolio growth requires headcount you can't recruit or retain.
Multi-agent architecture: specialized agents working together - not a single chatbot answering questions
Apex Collect
Real numbers from a real client
Not bolted on - baked in from day one
Our AI agents use natural language processing to detect vulnerability indicators: confusion, financial stress language, mental health mentions, cognitive impairment signals.
Result: 847 vulnerability flags correctly identified last month at one client - all escalated to trained specialists.
Every AI interaction is measured against Consumer Duty outcomes: appropriate forbearance offered, vulnerable customers protected, fair treatment delivered.
Result: Real-time compliance dashboards showing outcome metrics for FCA reporting.
Every decision the AI makes is logged: why it approved an arrangement, why it escalated a customer, what data it accessed, what it communicated.
Result: Full audit trail available within seconds for complaints or FCA inquiries.
When complex cases need human judgment, the AI transfers with full context - no customer has to repeat themselves.
Result: Better customer experience + compliance with vulnerability requirements.
"What if the AI makes a mistake that costs us £50K in FCA fines?"
We maintain Errors & Omissions insurance covering FCA fines arising from AI agent decisions. Across 15+ clients since 2023, we've had:
Coverage: £5M E&O insurance specifically for AI agent regulatory compliance
Quick ROI calculator for collections operations
If your operation handles 50,000 contacts/month and 40% are routine (payment arrangements, balance inquiries):
ROI Timeline: Most clients with 50K+ monthly contacts see positive ROI within 4-6 months
Get Your Custom ROI AnalysisMost deployments go live within 2-4 weeks. We integrate with your existing systems—no rip-and-replace. Pilot with a subset of accounts, prove ROI, then scale.
We offer success-based pricing: you pay per resolved case or contained interaction, not per seat. Typical range is £2-8K/month per agent type depending on volume. No ROI, no cost.
No. We integrate with Latitude, Amazon Connect, Salesforce, and most collections platforms via API. Your CRM stays, your telephony stays—we add AI on top.
Every contact is screened for vulnerability indicators using NLP—not just samples. Vulnerable customers are immediately escalated with full context. Complete audit trails for FCA reporting, Consumer Duty outcome tracking built in.
Yes—we're transparent. Customers are informed they're speaking with an AI agent. This is both an FCA best practice and, surprisingly, often preferred by customers who want quick resolution without judgment.
Our agents check account status in your CRM before every interaction. They'll never chase statute-barred debt, contact customers under litigation holds, or breach contact frequency rules.
The AI agents on this page handle inbound interactions - when customers contact you. If you have unworked accounts that need proactive outreach, see Apex Collect.
We'll analyze your operations and show you exactly what AI agents can handle autonomously - and what it will save you.
Book a DemoOr email us at hello@rel8.cx