Corporate Arrears Recovery System • Merchant Software Limited

The CARS system is an innovative solution, unique in the marketplace, which by adopting a corporate approach to arrears management, eliminates the huge problems currently associated with managing and recovering multiple debts for the same debtors spread across different departments and systems.

Key Features and Benefits Include:

case management

Case Management: Unique Corporate Approach

Focused on Case Management at a Corporate Level incorporating both current details, essential for case management, in addition to historic debt details across all debt types.


Back Office System Independence and Integration

Back Office systems independence is a feature of CARS that ensures that it can be deployed in any situation regardless of the different combinations of back office systems that information is retrieved from.

CARS provides an in-built integration capability to retrieve all required information from the source systems used at each site.


Citizen Focus

Consolidation of account details from all Back Office systems provides a Citizens view of related accounts which allows these to be managed as a single case.


Enabling Shared Services

Overcoming the issues of poor communication between traditional Back Office ‘Silo’ systems, CARS provides the common platform that enables shared services to be adopted both within organisations and also across different organisations regardless of location.

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Payment Distribution

Rather than Citizens having to make complicated payment arrangements for each different debt type, a single agreed payment can be made to CARS which will distribute the payment, as agreed, to each source system. This significantly reduces the number of payments to be processed and greatly simplify the payments requested from Citizens.


Benefit and Money Advice Inclusion

Ensuring that Citizens are provided the appropriate advice for both Benefit Entitlement and also Money Advice is essential in reducing levels of debt.  CARS enables Benefits and Money Advice departments and agencies to become involved and have cases referred directly to them.


Management Information

Management decisions on strategy, resources and funding require an accurate understanding of the caseload. CARS’ case management approach provides the information and business intelligence required to make those decisions with confidence, without interrogating each individual source system.


Improved Efficiency and Performance

Process automation features of CARS, combined with the consolidation of cases, substantially reduces the level of manual resources required to manage each caseload. These significant efficiency gains release resources that can be applied to improving performance in other areas.


Reducing Avoidable Contact

Managing communications on a Citizen basis significantly reduces the number of contacts by letter, phone and visit, traditionally required by each different department involved.

case management

Automated Direct Deduction Request

Ordinarily very time consuming, CARS automates the Direct Deduction request process, identifying eligible cases that are in arrears for which no deductions are being received, and submits a DWP request for Attachment of Benefit.


Technical Arrear Identification

Clear identification and separation of Technical Arrears due to Benefit Payments, from the Actual Arrears that tenants are due to pay. This greatly simplifies the management of arrears and enables management to have a clear view of arrears outstanding broken down into Actual and Technical.


Partner Referrals

Closer co-operation between organisations and their external agents is enabled by the option within CARS for third parties to have access to cases that have been referred for their attention. This can be external recovery agents, advice agencies, bailiffs or sheriff officers.

For more information, please download the brochure, contact our sales team on 0141 353 5074 or Contact Us.

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