01 · Reporting
Live, not weekly.
The ledger we run your book on is the one you read. No scheduled reports. No chasing us for a number. Every call, message, and payment is visible the moment it happens.
Sentinel is a modern debt collection service for South African credit providers — banks, lenders, insurers, and retailers. We collect your delinquent receivables under the Debt Collectors Act and give you a live audit trail of every call, message, and payment along the way.
A note on the record. Sentinel Debt Recovery (Pty) Ltd is a registered South African company (CIPC Reg. 2026 / 326214 / 07) and a registered debt collector with the Council for Debt Collectors (Council No. 00129796/26). We are open for placements.
Sentinel’s founders run a consumer credit business in South Africa. Over several years we placed our receivables with four different debt collectors. One recovered roughly R 5,000 a month on a three-million-rand book of a thousand files. A fifth agency wanted seventy thousand rand up front just to start on five hundred accounts.
Reports — when they arrived — came weekly or monthly and had to be chased. We had no real way to see which debtors were being worked, how often, or whether anything was happening at all.
We eventually built our own collections operation in-house. It outperformed every external agency from month one — without the “leverage” a third-party name is supposed to provide.
Sentinel is that operation, productised. The same platform, the same process, the same commercials we use on our own book — now available to other South African credit providers who have had the same experience we did.
These are the specific places the industry fails its credit providers. We’ve written them as promises rather than aspirations.
The ledger we run your book on is the one you read. No scheduled reports. No chasing us for a number. Every call, message, and payment is visible the moment it happens.
We don’t tack admin fees onto the debtor’s balance and also take commission from you on the gross. That’s double-dipping. We charge one agreed percentage on what we actually recover — nothing else.
No retainer. No onboarding fee. No monthly platform charge. If we don’t recover, you don’t pay. We’re not asking you to fund our capacity before we’ve earned it.
Where recovery isn’t the right outcome for the debtor — income gone, over-indebted — we flag debt review as an option and help them connect to a registered debt counsellor. Better for them. More predictable for you.
Upload a CSV or connect your core system. We validate SA ID numbers, cross-check trace data, and flag any prescribed or duplicate files before the meter starts.
A structured dunning sequence runs on each file — SMS, email, registered email — inside POPIA contact windows and frequency caps. Most files self-cure at this stage.
Remaining files are assigned to a named agent. Calls, promise-to-pay records, arrangements, and settlements are logged against the audit trail.
Where a file resists, we prepare the § 129 notice bundle and hand it to attorneys on our panel. You approve the escalation; we track the case to judgment and attachment.
Every piece of the operation is built on a single ledger. You have real-time visibility into the parts of it that matter to you.
Your book in real time — recovery rate, ageing buckets, agent activity, and cash in trust. No scheduled reports; always current.
Every payment flows through a dedicated trust account. Automatic reconciliation, daily payout to your nominated bank, full audit trail for your reviewers.
Prescription warnings, § 129 notice builder, summons tracking, and EAO orders — all time-stamped, all exportable.
Design outreach sequences in minutes. SMS, email, and registered email delivery with POPIA frequency caps and contact windows enforced at the platform layer.
Magic-link access for debtors to view statements, propose arrangements, and settle — without needing an agent to intervene.
Stream every event back to your data warehouse. Rebuild our state on your side if you want to — we never hide the ledger.
Every call, message, and payment lands on one audit trail. The dashboard reads off it directly — no nightly extract, no weekly batch. Below is what your screen looks like on a live book.
South African debt collection is regulated. We operate inside the lines — visibly. Below is the full status of our regulatory position, updated as each milestone is reached.
No retainer. No set-up fees. No monthly platform charge. If we don’t recover, you don’t pay.
Commission is set against the character of your book — file age, average balance, secured versus unsecured, and the ceiling rules of the Council for Debt Collectors. You will know the exact rate schedule before you sign anything.
All commission rates are set within the ceilings published by the Council for Debt Collectors. A written commission schedule forms part of every placement agreement.
We’re booking early conversations with credit providers ahead of our launch. Bring your questions, your compliance concerns, and a feel for the portfolio you’d want placed first. We’ll leave with a clear proposal — or a clear reason why we’re not a fit.
Email portfolios@sentineldebt.co.za