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tahseel Mission: To provide 'world class debt collection services' in order to recover our clients' bad debts before it reaches the write-off stage; achieving the highest recovery rate through amicable solutions with minimum hassle and comparatively low costs, and preserving our clients’ goodwill and our own reputation in the collection industry. We are committed to operating with the highest standards of integrity, while preserving absolute confidentiality. tahseel Vision: to be recognised as the most reliable debt collection company in the market for all types of collection services, with special attention towards the banking and financing sectors.
     
 
 
 
 
 
 
 
 
 
   
 
  Personal loans
 
 
     
 

Banks normally provide personal loans against securities, but when a customer fails to pay back the loan, it becomes a difficult type of debt to collect - especially when the cost of collecting the debt is higher than the debt itself. Banks also choose not to put good money after bad, or incur additional costs to collect debts, choosing instead to outsource the process to a third party. If a bank has exhausted all of its procedures and remain unable to recover a loan, our experienced teams take over.

 
     
 
The process of recovering a personal loan involves different procedures such as:
 
 
  • tahseel Debt Consultants will review the case and devise a roadmap.
  • tahseel Tracing Team traces and locate the debtor, who could be either in the country or abroad. 
  • tahseel team of negotiators establishes contact with the debtor and negotiates settling their debts amicably by focusing on 'creative problem solving' without compromising the full benefits due to the bank. 
  • In the case of a debtor who has left the country, we coordinate with our Overseas Collection Agencies to collect the debt, and liaise with them until the amount is settled.
  • Legal action is a recourse, if necessary.
 
 

Our success rate in recovering personal loans on behalf of banks can be attributed to our expertise in negotiation and persuasion, and our specialised communication techniques that go beyond letters and phone calls.


In addition to Personal Loans, our collectors are specialised in handling all other banking debts such as over drafts, home loans, easy loans, and more. 

When it comes to loan recovery, members of our teams wear many hats – they are problem solvers, trouble shooters, negotiators, communicators, investigators and strategists.
 
     
 
     
   
   
 
  Credit cards
 
 
     
 

With banks running a neck-to-neck competition in issuing credit cards, it is not uncommon for consumers to carry more than five credit cards, often from different banks. The high compounded interest also makes it very difficult for most of them to manage their payments. Moreover, credit cards are usually issued with less securities, and the cost of collection through legal action is sometimes higher than the outstanding amount.

 
     
 
As with personal loans, banks lose millions every year because of past due accounts, especially those associated with credit cards.
 
     
 
Our credit card debt collection service offers solid assurance that revenue and profits that are earmarked as 'lost' can be easily recovered. We play a major role in locating individuals associated with credit card debts, as well as rehabilitating these debtors and re-establishing their credit worthiness. While most cases of credit card debts are followed through by amicable solutions, our legal department takes over stubborn cases.
 
     
 
Our strategy is to collect the outstanding amount with minimum hassle and the lowest costs, while preserving our clients’ goodwill and our own reputation in the collection industry.
 
     
  When it comes to credit cards, some of the services provided by tahseel are:  
  Soft Buckets Collection:  
 
  • Front End
  • Mid Range
  • Hardcore
 
  Write Off Collection  
 
This is conducted by a state-of-the-art call centre where the movement of cases and dropping resolutions are strongly controlled and reported to our clients.
 
     
 
     
   
   
 
  Auto Loans
 
 
     
 

When it comes to Auto loans, banks are often stuck with delinquencies and charge-offs despite being cautious when reviewing requests, conducting reference checks, studying employment histories and analysing credit scores. To make it worse, vehicles are movable assets, and auto loan customers who fail to pay their dues often leave the country, move to other emirates, or even attempt to sell their car.

 
     
 
tahseel team is trained to trace and locate missing cars and hand them back to the bank. This service is available through out the seven emirates. In special cases, our teams not only recover the overdue but also convince the auto loan customer to sell the car.
 
     
 
We are experienced in coordinating the sale of the car at auctions or through other arrangements, and returning its current value to the bank while tracing the missing customer and collecting the rest of the outstanding loan.
 
     
 
In case of accidents involving an un-paid or partially paid car, we liaise with insurance companies to recover its full value as per policy, in order to return it to the bank.
 
     
  When it comes to Auto Loan Collection, some of the services provided by tahseel are:  
  Soft Buckets Collection:  
 
  • Front End
  • Mid Range
  • Hardcore
 
  Write Off Collection  
 
This is conducted by a state-of-the-art call centre where the movement of cases and dropping resolutions are strongly controlled and reported to our clients.
 
     
 
   
     
 
All rights reserved by, Hadaf Al Khaleej Debt Collection L.L.C.