Vision

To be recognized as the most reliable debt collection

agency in Malaysia, who focuses on debt collection
SINCE 1997
services for large &“STRIVE
smallTO
financial institutions.
PROVIDE THE BEST”

Mission
TOTAL
CREDIT
We provide quality management services achieved
RECOVERY
through transparent communication, techniques by
our professional recovery agents using latest
technologies and innovative methodologies.

SUCCESS PATTERN (M) SDN.BHD

Profile KL 1
“We provide the highest
ethical & professional
services in maximizing
the recovery of credit”
 CONTENTS
The Company
➢ Profile
➢ MOF Certificate
➢ Director’s Profile
➢ Management Team
➢ Client Listing
➢ Services

The Service
➢ Debt Collection - Procedure
➢ Debt Collection – Keys to success
➢ Operational Flowchart
➢ Dateline 30Days
➢ GPS Monitoring System

The Support
➢ Software
➢ Insurance
➢ Receipt Books
➢ Authority Card
➢ Status Report
➢ Solicitors
➢ Banker

The Choice
➢ Frequently Asked Questions
➢ Why Use Success Pattern
➢ Schedule of Fees
 THE COMPANY

PROFILE

Collection today remains a highly sensitive and challenging task in any

organization today With hefty credit Facilities extended to clients today’s
fast-moving
economy , efficient recovery of debt can make the difference between
profit and huge losses.

Success Pattern’s primary objective is to help maximize the recovery of

your claims and any bad or doubtful debts as quickly as possible.

Our team of experienced and professional negotiators are able to

handle accounts of any size, at any stage of recovery. We understand
the business culture in Malaysia, with extensive networks throughout the
country. We offer swift recovery services on both bill collection and loan
collection.

Our commitment towards excellence in the field of collection makes us

the better choice as your total credit recovery partner. When most
businesses are facing increasing problems as a result of bad debts, our
role as third-party collector is a wise choice, as there are many benefits
in outsourcing:

▪ Reduced overheads, meaning more capital for other profitable

investments.
▪ Efficient and faster recovery, meaning a higher rate of returns
▪ Predictable rate of recovery, meaning fixed cash flow which
eliminates risk of economic uncertainties.
▪ Dedicated group of negotiators working solely on your accounts.
▪ Reduced cost and time spent on recruitment and training of staff for
collection.
MOF CERTIFICATE
 DIRECTOR’S
PROFILE
Mr.Sukhdarshan Singh
Managing Director

Mr.Sukhdarshan Singh is a pioneer in the debt collection

industry. He has more than 35 years experience in the collection
industry. His exposure varies from handling corporate
organization to small scale industries. To him nothing is too
small and impossible to collect.

He started his career in this industry in 1984 heading the

collection Department of EMCOR Enterprise Sdn. Bhd. and then
went on to work for a number of established Debt collection
Agencies, with his years of experience, he finally decided to
venture on his own and established Success Pattern (M) Sdn
Bhd. in 1997. After establishing Success Pattern (M) Sdn
Bhd. he manage to bring abroad a couple of corporate clients.

Being a dynamic and self-motivated person, he is always hands-

on when it comes to management and always ensures that
satisfactory service is given to his clients. With his leadership
qualities and supported by a team of very experienced
workforce, his ultimate aim is to move towards a world class
debt recovery agency
 DIRECTOR’S
PROFILE
Mr. Ashwinder Singh
Director

After graduating from college majoring in Business Management in

year 2012 joined Success Pattern (M) Sdn Bhd. as a collector. Within
a short period managed to understand the business structure and
brought about effective charges to maximize Debt recovery. He was
promoted to Admin manager to oversee the overall operations of the
company. He was seen as the diving force of the company with his
acquired ability.

Being a young dynamic and vibrant person with a vision resulted in

the business of the company gradually increasing with corporate
cliental. With this increase, he successfully convinced the
management to expend the business by setting up branch office in
ipoh, Melaka and Sabah

Building confidence and proving his ability ,he was made a director of
the company. His ultimate aim is to lead Success Pattern (M) Sdn
Bhd. to be recognized as one of the market leaders in this region
 MANAGEMENT
TEAM
CHAIRMAN
(DATO ABD WAHAB BIN HARUN)

MANAGING DIRECTOR
(MR SUKHDARSHAN SINGH A/L BAG SINGH)

DIRECTOR
(MR ASHWINDER SINGH A/L SUKHDARSHAN SINGH)

GENERAL MANAGER
(PETER PAUL)

HUMAN ADMIN &

RESOURCES FINANCE

HEADQUARTERS OFFICE
KUALA LUMPUR

TEAM LEADER TEAM LEADER

AZI PREM

MELAKA IPOH SABAH

BRANCH BRANCH BRANCH
 CLIENT LISTING

Success Pattern has built mutually beneficial partnership with

the following clients:
BANK`S
AMBANK (M) BERHAD
✓ Credit card & Line of Credit
✓ Hire Purchase (Auto Finance)

MALAYSIA BUILDING SOCIETY BERHAD

(MBSB)

Bank Simpanan Nasional

TELCO
U MOBILE SDN.BHD (TELECOMMUNICATION)
✓ Broadband
✓ Postpaid

REDTONE INTERNATIONAL BERHAD

MAXIS BROADBAND SDN BHD

CLIENT LISTING

UNIVERSITY & COLLEGES

UNIVERSITI MALAYA

KOLEJ TEKNOLOGI PERAK

UNIVERSITI PENDIDIKAN SULTAN IDRIS

COSMO POINT COLLEGE

CORPORATE

INDAH WATER KONSORTIUM SDN.BHD

SYARIKAT BEKALAN AIR SELANGOR

SAJ RANHILL SDN BHD

CLIENT LISTING

CORPORATE

SINGER (M) SDN.BHD

COURTS MALAYSIA SDN BHD.

BERJAYA CREDIT (M)SDN.BHD

KOPERASI TENAGA NASIONAL

KOPERASI GEMILANG MALAYSIA

BERHAD

BMW CREDIT (M) SDN. BHD

CLIENT LISTING

CORPORATE

BLUE POWER SDN .BHD

RAYTECH ENERGY SDN.BHD

STROM KREIS TECHNIC SDN.BHD ( 643215-U)

BSNC LEASING (M) SDN BHD

GT MAX CAPITAL SDN BHD

 SERVICES
We offer a full range of collection services. tailored to suit your needs.
Success Pattern manages accounts of any type or size, offering total
solutions in credit recovery, skip tracing (third party searches), and initial
legal proceedings using our solicitors.

Our team of professional negotiators have vast experience in debt are ,

and well-qualified to handle any given claims from the set step by step
collection procedures until the final stage of legal proceedings, in an
ethical manner, displaying skill and sensitivity at all times.

Success Pattern’s service-oriented culture means you will be kept

informed and updates regularly throughout the collection process enabling
personal two-way communication between you and the respective
negotiator. We compile and retain detailed reports on all your accounts
periodically, giving you the ability to assess the process and review work
in progress.

Success Pattern introduces a highly innovative approach in dealing with

uneconomical and charge-off accounts. We consider the following factors
when purchasing delinquent accounts:

❖ Age of Debt – As a basic rule, the older the debt, the more difficult and
expensive to recover.
❖ Source of Debt – The underwriting standard of the original issuer will
determine the level of recovery.
❖ Proof of Debt – The original documentation or proof of debt may be
required
❖ Location of Debtor – Geographic location of the defaulter may affect
recovery
❖ History of Work on Account – An account that has been extensively
worked on before has lesser chance of profitability
 THE SERVICE

Debt collection – Procedure

Success Pattern has an established and efficient method in collecting your

doubtful debts in full, which is cost effective to you

• Placement of accounts – Your accounts can be placed with us for

collection by mail,fax,disk, or in personal.

• Processing claims – Upon receiving the debtor’s full particulars, we

will determine if additional information or specific instruction are
required. The client and debtor information is then entered into our
collection management software, and an acknowledgement of claim is
sent to you.

• Initial contact with the debtor – Our collectors will trace the
whereabouts of the defaulter and will immediately initiate contact
upon receipt of the details. We understand that initial impressions are
powerful, so our negotiators are trained to be professional, yet
assertive in their approach. They will use sensitivity and reason in a
conciliatory manner rather than take an adversarial stand and explain
the just and proper course of action to the debtor. They will at all times
maintain goodwill between the client and debtor, with the primary goal
of collecting the debt in full.
 THE SERVICE

• Third-Party Searches – We routinely track debtors even if it takes a

few years and maintain active records until the claim is cancelled.
Searches conducted by our sources will remain anonymous. Often, we
are required to conduct thorough investigation to uncover any assets
or sources of income, and take whatever measures necessary to seize
them.

• Field Visits – Site visits to the debtors office or residence is a part of

our strategy in collection. Our collectors are trained in visiting the
premises in question to ascertain the debtor’s ability to settle the debt.
Normally, if full payment or a reasonable payment schedule can be
arranged within 30-60 days, the respective accounts with the written
consent of the client is forwarded to our solicitors for further action.
However, if there is a better chance of collection with a little more
direct persistence and persuasion, our collector may decide to work
the claim longer.
 DEBT COLLECTION-
KEY TO SUCCESS
PROFESSIONALISM
A collector’s intention must be direct and clear. Our field personnel operates
with a sense of urgency, with the highest ethical and professional standards.

EDUCATION
Our collectors are furnished with the most up-to-date information and facts
necessary to get the job done. We believe that well planned full preparation
is our best weapon.

CONFIDENCE
Our training program is designed with one main emphasis-i.e getting positive
results. Our collectors are assertive and always in control of the situation,
insisting on commitments from the debtors and cutting through the excuses.

RELATIONSHIP
The art to successful recovery of debts is build on a relationship shown with
the debtor. Our collectors are well-versed in the art of empathies towards
the debtors problems, but they ultimate aim is to ensure that the debtors
understand their responsibility in settling their outstanding debts.

CONTACT
Constant, contact with the debtor is the job of our collectors. This is to
ensure that the debtors realize the seriousness of the collector in
discharging duties, and applies indirect pressure on the debtor to settle their
outstanding payment

COMMITMENT
Our collectors are experience in the art of persuasion, always insisting and
ensuring a firm commitment from debtors in writing.
OPERATIONAL FLOW
CHART
 DEBT COLLECTION:
THE ODDS

DATELINE “30 DAYS”

NUMBER OF MONTHS DEBT IS OVERDUE

According to professional debt collectors- who handle more than is USD 3.3
billion in claims annually declares that the longer a debt is overdue, the less
chance there is that it will be collected. The best policy is still to collect the
debt within 30 days.
 GPS TRACKING SYSYEM

GPS Monitoring & Tracking System is a web based, real time

vehicle / motorbike monitoring and tracking system that shows
all the movement on maps displaying the location, routes, stops
and speed status.

This system allows the management to know

where our assets are, and track our assets in real
time, review our assets history vehicle /
motorbike movement including distance
concerned, speed, place visited over a given
period of time

View real time movement our assets on GPS

Webpage.

This system helps the management to monitor

and track the field visit officers individually or
groupings very efficiently and accurately .
 THE SUPPORT
SOFTWARE

Success Pattern has developed its own computer system for the
management of credit receivables. Called SPeed, the system is one of our
key attributes, which allows most of the routine tasks to be automated,
hence increasing the overall productivity and efficiency of the company

SPeed is a powerful tool designed for security eases as well as it other

complex for the user operations

SPeed is designed to thoroughly manage accounts and greatly enhance the

efficiency of our collector, from the moment a new account is received and
until the debt is paid off.

Among its features and benefits are:

✓ Managing the performance of our collectors
✓ Implements a discipline over collection methods – all accounts are
supervised even through the respective collector’s are on leave ; while
areas of high cost and low performances can be identified quickly.
✓ Monitors the collection management process- detailing actions, history,
payments, purchases, and interest of any account.
✓ Automates recovery methods
✓ Provides in- house diary for our collectors, showing tasks assigned
“today” “tomorrow”, and “outstanding”
✓ Generates documents automatically, or on demand
✓ Provides real-time online features (upon request)
✓ Forwarding SMS through our system
 PAID UP CAPITAL &
INSURANCE

As a commitment to our professionalism in the legal recovery filed, and

to protect our clients from third party claims, Success Pattern has taken
an indemnity insurance

Although utmost courtesy and care is exercised in the course of our

duties, this indemnity is nevertheless prudence on our part, covering
the following:

PAID UP CAPITAL 500,000.00

INSURANCE SUM INSURED

FIDELITY GUARANTEE RM 10,000.00

PUBLIC LIABILITY RM 1,000.000.00

MONEY INSURANCE (HQ) LIMIT OF LIABILITY FOR ANY

SINGLE LOSS
MONEY INSURANCE LIMIT OF LIABILITY FOR ANY
(BRANCHES) SINGLE LOSS
MACHINE & EQUIPMENT RM 100,000.00
 RECEIPT BOOK,
AUTHORITY CARD &
STATUS REPORT
RECEIPT BOOKS

Upon recovery of any sum of monies from debtors, it is our policy to issue
temporary receipts to ensure transparency of the transaction. Temporary
receipt books will be issued to you for approval prior to undertaking any
collection. All monies collected on your behalf will be remitted to you within
24 hours of a working day.

AUTHORITY CARD

Every field personnel will carry an authority card that grants permission for
the holder to act on behalf of Success Pattern. Our collectors will also be
furnished with letters of authorization from the respective clients or ID cards
approved by client when negotiating with debtors.

STATUS REPORT

We will submit monthly reports on all cases referred to us to respective

clients. The status report will, among others, details the status of account,
amount collected, and action taken on recommended.

Success Pattern has plans to provide online services in the near future,
thereby further extending our reach and quality of service. Clients will be
able to access reports on existing accounts as and when they please.
 SOLICITOR &
BANKER

SOLICITOR
Success Pattern is served by a panel of well-established solicitors
.
➢ K.S MANMEET
➢ ADHA SELVI & ASSOCIATES
➢ THARAMJIT SINGH & CO.

BANKER

1. MALAYAN BANKING Bhd.

2. BANK ISLAM (M) Bhd.
3. AMBANK (M) Bhd.
 THE CHOICE

FREQUENTLY ASKED QUESTIONS

1) Why use a third-party collector?

Many debtors perceive an assignment of debt to third-party as a

serious action. They fear this many damage their Credit rating or
incur litigation. Therefore, they are more likely to co-operate than if
facing the creditor’s in-house collection department personnel.

2) What are the chances of success with a third-party collector?

The chances of collection are fairly good at an early stage, but

drop dramatically with the age of the accounts. So the sooner the
account is placed, the better.

3) How long will it take before I expect results?

The status of almost all claims can be determined within 60days.

After that, we will advice you on your options available.

4) How can I keep track of an assigned claim?

We value up-to-date information and two-way communication.

Our office will contact you advising of any payment made or status
report of the assigned claim. We also submit monthly reports on
every single account.
 THE CHOICE

5) What if the debt is disputed or the debtors is unwilling to pay?

Success Pattern’s filed collectors are experienced and well

trained to resolve all manner of dispute. Backed up by our panel of
solicitors, we will keep you informed of all progress and actions
taken on a regular basis.

6) When do legal proceeding begin?

After a reasonable period of time, if a debtor is still unwilling

to pay, we will contact our solicitors and if so recommended by
them, begin the legal process after client’s authorization.

7) Can a creditor collect interest on the unpaid claim?

Generally, yes. Any agreed-upon rate should be added to the

account at the time of submission. If it become necessary to file suit,
the interest will be part of the legal demand.
 WHY USE
SUCCESS PATTERN

Ten good reasons why you should turn over an account to Success
Pattern:

• To remove the distraction of non-performing loans and other bad debts

• Prompt remittances

• Avoid high labour and management costs.

• Strict code of ethics which serve to protect creditors as well as debtors

• Experienced service-oriented professional collectors.

• State-of-the-art recovery management software-Speed

• Knowledgeable of business and corporate culture in Malaysia

• Fully computerized and confidential.

• ISO 9002 Certification planned

• NO COLLECTION – NO FEE

SCHEDULE OF FEES

You pay Success Pattern absolutely nothing unless we collect. That is

our policy. We take all cases on a contingency basis, charging no
upfront fees or costs of any kind. We will advance the cost of all
expenses incurred in the collection process.
BUSINESS CONTINUITY
MANAGEMENT
BCM OFFICE
 OUR BRANCHES
PERAK BRANCH JOHOR BRANCH Unit 8-13, 8th Floor,
62A, Jalan Medan Istana, Menara TJB, No 9 Jalan Syed Mohd
Bandar Ipoh Raya, Mufti, 80000 Johor Bharu Johor Tel : 07-
30000 Ipoh, Perak. 2226222 Fax : 07-2225222
Tel : 05-2425770 Fax : 05-2426770

SABAH BRANCH PENANG BRANCH

No 5-2 2nd Floor Block B, 4998-3, Jalan New Ferry,
Damai Plaza Phase IV, Luyang, 12100 Butterworth
88300 Kota Kinabalu,Sabah Pulau Pinang
Tel : 088-261333 Fax : 088-267619 Tel : 04-3235750 Fax : 04-3235 740

MELAKA BRANCH BCM OFFICE

No 2-26, No: 25-2, Petaling Jaya Commercial
Jalan PM4, Plaza Mahkota City, Jalan PJS 5/30, 46150 Petaling
75000 Melaka. Jaya, Selangor,46150,Kuala Lumpur.
Tel : 06-2866541 Fax : 06- 2866513
SUCCESS PATTERN (M) SDN.BHD

HEAD OFFICE

No. 95A Jalan Bangsar,

59200 Kuala Lumpur.
Tel : 03-22877288 Fax : 03-22873925
Email : success@successpattern.com
Website : www.successpattern.com