COMPANY PROFILE:

Address: Seni Senang Sdn.Bhd

No.7A Kompleks Kuala Terengganu (ARPM)
Jalan Sultan Zainal Abidin,
21010 Kuala Terengganu.
Business 827316-A
Reg.No:
Telephone No:

Facsimile No:

Cellphone No: 0122153940

Email: Seni_senang@gmail.com
 Executive Summary Seni Senang Sdn.Bhd (3sb).
Situated in Bandaraya Kuala Terengganu, Seni Senang Sdn.Bhd
was founded in August 2008 by En Rosman Bin Jumaah. The
services of collection agency are economically feasible and enable
financial agility, effective cost management and consistent high
performances.

3sb is a debt collection agency that understands the essence of

business is relationships. Our business and commercial collection
experts negotiate payment using strategic techniques that recover
more money than other debt collection agencies. Your current
debtors may be future customers, so don't compromise valuable
relationships. Contact 3sb to obtain your debt collection goals.
A partnership with a us can be a valuable tool in accelerating cash
flow and reducing write-offs. At 3sb, our professional recovery
services are designed primarily to increase our client's profits. We
have successfully developed time-proven procedures to maximize
our ability to collect delinquent accounts in the shortest time
possible.
 Company Objectives:
“ aspires to become the premiere collection agency. 3sb is
dedicated to building long term relationships with customers
through quality training, customer support, target success and to
be recognized as the leading collection agency in the country.
The goal is steady expension, being productive and to optimize
our collection services in the business indusstry”
Our Services
100 % Focused
Our core business is to help our clients collecting their past due
accounts and bad debts.
Our goal is to become an extension of your business and a total
Accounts Receivables solution partner.
Risk Free
The way we do it is without posing any risk to our clients, as our
business philosophy is simple;
No Collection - No Fees basis. There are No Advanced Fees and No
Hidden Cost.
Full Program with value added services:

We offer full service debt recovery program consist of automated

letter generating, skip tracing, extensive phone calls and field visit. In
addition, we have an affiliated solicitor who could offer pre-litigation
service at no additional cost to you as a value added service offered
by us.

Tailored made solutions:

We have found that a straightforward, professional approach to debt

collection produces far better debt recovery results than the
traditional strong-arm tactics. The unique approach and strategy used
by our debt collection negotiators produces quicker payment from
your debtors. If your debtor is still in business, we feel you have a
90% chance of recovering your money. An account that may seem
hopeless may be resolved amicably through persuasive
communication and with a voice of reason.
Result Oriented:

We operate on a performance-only basis; when we perform, we get

paid. Our motivation is to get your money back in your hands, where
it belongs. We know that until we do so, we will not be paid.
Accordingly, our motivation is propelled by mutual success and is
result oriented.

We are looking forward for an opportunity to serve you. We service a

variety of industries in the accounts receivables and bad debts
collection business :-

1. Commercial - B2B Recovery

2. Banks & Finances
3. Telecommunication & Utilities
4. Manufacturing & Logistics
5. Government & Private Colleges
6. Others

Call us today to take advantage of our debt recovery services and let
us help turn time into money for you.
Code of Conduct :

1. Maintain a high standard of fairness, honesty and courtesy

in the conduct of debt collection activity.
2. Strictly comply with all state and federal laws when
attempting to collect debt.
3. Maintain professional communication skills and proper
attitude at all times with all parties
4. Uphold the integrity, reputation and professional
demeanor of the agency at all times.
5. Collect the debts in professionally, reasonably and legally
manner.
6. Debtors information shall remain confidential to all third
parties and will be used for debt collection purpose only
 What We Need To Help You:

We need the following information to help you collecting debts :-

1. Debtors Name
2. Old & New IC Numbers or Business Registration
3. Last Known Address
4. Last Phone Numbers
5. Copy of Invoices or Contracts or Proof of Debts
( whichever applicable )
6. Date of last payment ( if available )
7. Debt Amount
Our Approach.

This is a generalized steps of the debt collection process. Regardless

of the size of the account, each client receives the same, unparalleled
services. However, since some debts are somewhat unique they may
not necessarily follow this pattern.

24-hour Turnaround.

Accounts are entered into our system the same day they are placed
for collection and automatically matched with any other accounts
owed by the consumer. This allows one collector to handle all
accounts owed by any consumer and eliminates duplication of effort.

Demand Notices - First to Final.

Each new account immediately receives a validated first demand

notice. Our letters are professionally written and non-threatening at
earlier stage and escalate to much pressure at final stage. Sometimes,
just getting notice from 3rd party debt collection agency will prompt
the debtors to pay.
Phone Calls.
Our primary efforts are focused on repeated direct telephone
contacts with the debtors. We use a number of investigative
techniques and resources to learn as much as possible about the
debtor, and use this information to increase the pressure on the
debtor to pay your account. This is the most effective and fastest
method of handling collection of debt.

All accounts receive an average of 2-5 day follow up by telephone.

Methods such as skip tracing are used at this stage if necessary and
we have access to extensive databases that help us trace relocation
of debtors and find the contact information needed to reach them.
All follow up calls and letters are determined by the collector or a
supervisor and based on individual accounts. Often, a quick
conversation with us is all that is needed to straighten out a
misunderstanding and get you paid.

Most troubled companies do not have resources to pay everyone, so

typically they pay vendors who are applying the most pressure. We
believe the continuous, escalating professional application of
pressure and consistent pursuit is the key to effective collections.
Early identification and timely placement of accounts also has a
significant impact on collectability as typically troubled companies
cash-flow continues to worsen long before it improves.
 Field Visit.
Sometimes when letters and phone calls still do not get their
attention , it is time that the pressure is brought to their doorsteps.
A knock on the door is much harder to ignore than a letter or phone
call. Through out our experience, debtors who give many excuses
over the phone, offer little resistence when confronted face to face.
Usually when the debtors are confronted at home or workplace,
pressure is brought to a very sensitive level. The reason is, debtors
may not want to risk either their employer, employee, neighbours
or business associates to learn of their indebtness.
Affiliated Solicitor.
If collection efforts by our debt collectors have not achieved the
desired results, accounts are then 'placed' with our affiliated solicitor.
This creates significant additional pressure on the debtor, and this
unique feature of our agency has proven to be a valuable feature in
our collection process. There is no increased cost for our clients for
use of these services. In addition, certain complex collection efforts
commence directly with our affiliated solicitor rather than the
collection agency.While our aim is to put much pressure to obtain
payment, we will always ensure that our action is in accordance to
legal requirement and correct business practice in Malaysia.
Our Fees.
We always work on a contigency basis, if we do not collect your
debt we do not get paid. There is no upfront fees and no hidden
cost.

Our experience has shown that the earlier you address past due
accounts, the more likely you are to get paid. So we have
designed our collection services fees around this fact. When you
turn over your accounts to us early, we are able to collect faster,
easier and at a lower cost to you.

Our standard NO COLLECTION - NO FEES structures :-

Ageing of Accounts Our Fees
0 - 6 Months 20%
6 Months - 12 Months 25%
1 Year and Above 35%
Special rates may be negotiated subjected to nature of debts,
annual placement, volume, average balance of account,
contract duration and exclusivity
Why Use Our Services
We are innovators
When comes to technology, we use leading edge debt collection
system which is designed by us...the collectors. Our personalised
software can be customized to accommodate client's needs to
achieve optimum functionality in debt collection process. This allow us
to provide a full monitoring and reporting on all our client's accounts
be it large portfolios or individual cases.
Our collection system able to provide timely performance reports that
detail information, such as the number of accounts placed each
month, status of each account, date of last payment, percentage of
ringgit collected, and also able to print out series of reminders to
debtors.
 We are specialists
We work with a broad based of clients. Every type of accounts requires a
different approach. Our collectors specialize in working with specific types of
accounts. We know what works.
Multiple Skip Tracing Sources
Millions of revenue is lost each year because individuals or companies evade
their creditors in an attempts to avoid paying their debts. When debtors
absconded or company closed down and move elsewhere, we would be able
to locate them through our extensive nationwide skip tracing network. With
our reliable and effective sources, we have high success rate in locating
debtors.
Dedicated Team
When providing professional services, it all comes down to the people actually
providing the services. We have good collectors with excellence skills and
extensive experience who enjoy giving the best services to our clients. They are
well trained to meet highest standard of excellence and professionalism.
Speed and Efficiency
There is no time to waste your's or our's. At Pasadana, we make sure our
client's receivalbe receive prompt attention. Upon placement, your accounts are
immediately assigned to an industry-trained collection specialist.
Affiliated Solicitor
When necessary, our affiliated solicitor will pursue commercial or consumer
collection by phone or letters at no additional cost to our client. Usually at this
stage, the pressure is brought to a maximum level. Our record shows that this
method has proven to be successful where debtors responded with new
payment arrangements.
So ACT NOW and choose PASADANA SDN BHD as your commercial or
consumer collection agency and experience the benefits of our expertise,
technology and guaranteed results you can trust.
All staff at Pioneer Credit are exceptionally well qualified and
experienced to handle a variety of accounts. Our training and
compliance programs are industry leading and make us the premier
choice for many multi-national clients in the following areas of
commerce.
Banking & Finance
Telecommunications
Health Care
Local Government
Trade
Pioneer Credit Malaysia, Managing Director Mr. S. Santhirasegaran
is a 40 year veteran of the international debt recovery industry. He
is President of the Association of Credit Management Malaysia
(ACMM), is regularly quoted in the financial press and is
recognised as a leading authority for matters pertaining to credit
management.

Pioneer Credit operates on the fundamental principle of providing

superior service to clients in the most professional way. We create
and maintain a loyal client base through our wide range of services;
our commitment to quality and our results oriented philosophy.
 Mission Statement
To be the provider of choice for professional debt recovery and
specialised credit management services. We will provide all clients
with a personalised service that is beyond expectations and results
that ensure value for their investment. We will continually invest in
the development of our team members and at all times act ethically
and with integrity.
Third Party Negotiation
Pioneer Credit are professional negotiators and act on your behalf. Third
party negotiation is generally more effective to prompt debtors into settling
their outstanding accounts.
Negotiations drive resolution of issues and ensure recovery of outstanding
monies in the shortest period of time.
Our team will use professional negotiation strategies to present reasons for
debtors to change their behaviour and attitude towards paying. This is
essential to reaching agreements that will result in the debts being paid and
Pioneer Credit achieving the highest recovery rate possible. As a third party,
we formulate better solutions to settle debts with consent of our client.
Legal action is time-consuming and can delay payment to you. Unlike
solicitors, we initiate direct contact with debtors, which is a course of action
far more effective.
An Extension of Your Department
Pioneer Credit consider our services to be an extension of your internal
collection procedures.
You will receive regular updates on the progress of your account and we
will work hand-in-hand with you, monitoring the account until it is paid or
closed.

Resource Management
By outsourcing your overdue accounts to Pioneer Credit, your staff can
concentrate on core activities such as current accounts and product
realisation.
In our experience many companies fall into the vicious cycle of spending
too much time on older overdue accounts. During this time they neglect
their current accounts which in turn become delinquent. Using Pioneer
Credit will break this cycle.
Pledge of Service
The Pioneer Credit team stands by our Pledge of Service which is
embodied in two simple promises.

Pioneer Credit actions all instructions immediately and to the Nth

degree
Instructions received today are actioned today
Every action is results orientated

Pioneer Credit maintains a total open line of communication at all

times
What is the best possible action to be taken
Is the cost of such an action justified
Complete frequency of contact with the client
Receivables Management & Debt Recovery Services
Our team of experienced collection officers are strategically located at all
major business centres of Malaysia. We travel across the country to
provide the necessary service and support to our clients.
Pioneer Credit work on a success only basis. We do not charge any up
front fees and only charge commission when you recover your money.
Pioneer Credit are partnership driven and aim to become an extension of
your office. At the end of any credit period, the time staff cost to pursue
debtors increase dramatically (especially those debtors more than 45 days
overdue). We complement your team by continuing collection procedures
from where they left off.
Pioneer Credit are able to manage your outstanding receivables
immediately. This can mean lower labour and operating costs and
improved cash flow to grow your business.
Credit Management Consultancy
Pioneer Credits expert consultants are able to conduct a complete review
of your credit management systems and processes. We quickly identify
and process ‘bottlenecks’ and credit related issues and make solid
recommendations to improve your business operations.
As with all Pioneer Credit services, we work as your business partner. Our
Credit Management Consultancy is designed to supplement and improve
your existing credit management and recovery procedures and policies.

Credit Reporting and Company Searches

Pioneer Credit Malaysia’s credit reporting service ensures that you know
who you are dealing with when extending credit or payment terms. We
offer a complete range of reports from a standard ROC Search detailing
shareholders and directors of a company, to a Full Credit Report which will
include ROC Search information as well as interviews with suppliers, trade
references and financial details where possible.
Debt Credit Services' goal in the collection process is
to provide our clients:
The maximum possible return on outstanding accounts in
the shortest amount of time
Relief from the stress caused by outstanding accounts
More free time to do what you do best
Excellent follow up
Unsurpassed professional service
Collection Benefits
Increase profits by turning accounts receivable into dollars!
Pay only for results - no collection, no fee!
Realize cost effective money savings! In most cases you will
be able to use our services for less that 1/4 of what it would
cost you to hire additional personnel to resolve your problem.
Be Informed! We believe informing our clients is important.
Our contact to you includes:
Personal Visits
A Monthly Financial Remittance
Statistical Report
Quarterly Status Report
Maintain good will with your clients