2.1 The Consumer will, within 5 (five) business days from the date of this notice, return the goods to the Credit Provider's place of business during ordinary business hours or within such other period, time or place as the Credit Provider may agree. If the Credit Provider is already in possession of the goods, the Consumer hereby requires the Credit Provider to sell the goods.

2.2 The Credit Provider will, within 10 (ten) business days from the date of receiving the goods or the request to sell, give the Consumer written notice of the estimated value of the goods and the Consumer may, within 10 (ten) business days after receiving the notice of estimated value, unconditionally withdraw this notice and unless the Consumer is in default of the agreement, resume possession of the goods.

2.3 If the Consumer does not respond to the notice of estimated value, the Credit Provider will sell the goods as soon as practicable for the best price reasonably obtainable.

2.4 Upon the sale of the goods, the Credit Provider will credit/debit the Consumer's account with the proceeds of the sale, less any expenses reasonably incurred in respect of the sale of the goods and will inform the Consumer of the settlement value of the agreement immediately before the sale, the gross amount realised on the sale, the net proceeds of the sale after deducting permitted default charges, costs incurred in connection with the sale of the goods and the amount credited/debited to the Consumer's account.

${d.title}

Everyone can access it. Tag it so it's easy to find.

${c.debtor} · ${c.ref||c.id}

The collector becomes this case's Umvelo agent — added as a new agent automatically if not on the system. The manager is the escalation contact.

Moves the case to Office Review, then to the agent to authorise.

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Confirm the fee for this recovery per your statement. Heavenly Guards is notified and raises the invoice against it.

Umvelo sends a statement confirming the fee for this recovered case. Enter it below to raise the invoice. Company keeps 30%; tracer gets 70% less advances.

The debtor is paying in full instead of surrendering the vehicle. Capture the payment and proof — the case closes as settled, no uplift.

You attended the site. Record what happened — this is logged as proof of work even when nothing was recovered.

The office and all tracers will be alerted immediately with your name, live GPS location${c?' and this case':''}. Use if you are in danger or need urgent backup.

The whole team sees these on every case — the chip next to the debtor's name tells the tracer how to treat the account.

What did you find out? A number for this lead makes them one tap away.

Picked up something on site or from the office? Add it here — it saves to the case for everyone and is logged with your name.

Tell the office what's happening on site. A note and at least one photo are required.

What happened on this call or visit? The case updates and reminders are set automatically.

Add a file to this case. It's kept permanently and everyone on the case can view it.

You're standing here — your GPS is the truth. Enter the address you're at; it's saved with your coordinates and becomes the confirmed address on the case.

The original instruction stays locked. Your update is added on top, stamped with your name and the time, and everyone on the case is alerted.

Currently ${c.tracer}. A reason is required — the change is logged and Umvelo, the office, and both tracers are alerted.