4 Star Consultancy · 2019-11-05 · 4 STAR CONSULTANCY management has fixed its Dhaka facilities in different location, which has been operated from one head office, which is given

4 Star Consultancy

Place Your Trust On Us…….

4 Star Consultancy


E-mail: [email protected]

[email protected] [email protected]

Website: www.4starconsultancy.com

mailto:[email protected]

4 Star Consultancy


Date:

To.

……………………………

……………………………

……………………………

………………………........

Subject: Application for appointing as Commission Agent for Verification,

credit Recovery, car Reposition, arrest Warrant Execution Courier,

Supply.

Dear Sir,

4 STAR CONSULTANCY. has started its journey as a recovery and verification

agency with banks s other leasing company with all means of efficiency. Now we

are also offering you courier service s supply .we do work with entire satisfaction

of the clients in the relevant field. Main concept of our operation is to find out

actual information of your clients as well as we find out the defaulters and collect

the amount with the cost effective method considering the shortest period of time

whose are presently in our operation area , Dhaka ,Chittagong, Sylhet and Khulna,

all Bangladesh.

4 STAR CONSULTANCY. is strongly committed in case of loan application

considering all means & possibility with the entire satisfaction of the clients along

with responsibility for collecting loan on behalf of the financial institution .

I would solicit to your kind consideration & would be grateful if you will kind

enough to appoint as a verification & collection agent. In-Sha-Allah, we will work

considering you entire satisfaction.

Sincerely yours,

Md. Zahidul Islam Zahid

Managing Director

4 STAR CONSULTANCY.

4 Star Consultancy


Client Choice:

Recovery

Verification

Courier

Supply

We are committed to provide the above services just in time with the requirement

of our clients.

4 Star Consultancy


About 4 STAR CONSULTANCY.

Greeting from 4 STAR CONSULTANCY.

It is our immense pleasure to introduce 4 STAR CONSULTANCY. As one of the

leading name in credit recovery section of Bangladesh. 4 STAR CONSULTANCY.

was being established in 2012 with a precise aim of collecting the debt occurred in

different financial institution.

4 STAR CONSULTANCY. Is an organization what is operating its activities to

collect the credits from the bank’s honored clients. We do understand the

uncertainty of the global financial institute and personnel. As a result we emphasize

our target on the financial flexibility of party, the financial institutes and its clients.

4 STAR CONSULTANCY. has got a team of highly experienced and young

motivate team players whose are very much conscious about the present

economical conditions of the market as well as the country.

Here our ultimate objective is to provide complete credit risk management solution

service to local and international financial institution operating in Bangladesh. 4

STAR CONSULTANCY. is being formed with the verification and recovery

activities currently. Although 4 STAR CONSULTANCY. will be involved as a

corporate enterprise capable of providing a complete generic credit s risk solution

services.

At present 4 STAR CONSULTANCY. is operating with its own permanent set up

in Dhaka. At the same time 4 STAR CONSULTANCY. is in a process of

launching its divisional headquarters in all divisional Cities. Although we are

opening our next working station on Chittagong what is the commercial capital of

Bangladesh.

What we provide?

Credit recovery

Rick Management

Loan application assessment

Contact person verification.

4 Star Consultancy


Massage from Managing Director

Respective Associates,

Our precise aim is to recover the debt from the loan, car & credit defaulters. We

do understand the financial uncertainty of economic all section of Bangladesh

and as well as the market.

As a result we give a great value to the obstacles what is occurring to the

financial intuitions. At the same time we also understand the time value of

money flexibility and difficulties of our associates. In this regard 4 STAR

CONSULTANCY. is operating its activities in the financial market to provide

the composite solution in credit recovery as a commissioning agent.

We give a great value to our working partners and it is our utmost commitment

to the financial institutes about the recovery of credit from the loan, car & credit

card defaulters. Our motto is to provide efficient solution in shortest possible

time.

We do expect and we will appreciate your kind concerns to become the leading

name in credit recovery & risk management services of Bangladesh.

We always urge to our associates to keep trust on us. At the same time we

would like to ensure the financial institutes that trust all the matters.

Regards,


Managing Director,

4 STAR CONSULTANCY

Greeting from 4 STAR CONSULTANCY.

Here i would like to take the pleasure of

introducing 4 STAR as one of the elegant

addition in financial sector of Bangladesh

more precisely in credit recovery section.

We started our journey as a credit recovery

and risk management company.

4 Star Consultancy


Why Use 4 STAR CONSULTANCY for Recovery?

4 STAR CONSULTANCY was being formed with the direct involvement and

under the guidance of highly skilled and professional individuals who are the

leading and pioneer name of credit recovery section of Bangladesh. Our

collection recovery team consists of the old fish and the fresh blood. That

combination allowed us to demonstrate a dedicated and target focused recovery

team.

Affiliation and Registration

4 STAR CONSULTANCY is being registered under the authority and

monitoring of Dhaka City Corporation as a commissioning agent in the time of

pervious one city corporation audience of Dhaka City Corporation.

MISSION

Our mission is to recover the money from the client without talking legal action.

Because talking legal action is pretty much time consuming and costly as well.

Beside that being a loan defaulter, is not a serious crime rather it is a civil

offense what is quite client friendly in comparison. As a result we ensure

prompt action n as time is the essence in collection of loan. We do give our

efforts to collect the repayments in possible shortest period of time. If a

defaulter fails to settle the loan at once, our repayment programs are being

designed according to local law and it is being shortest monitored by us? In the

mean time our follow up team use to have a regular routine conversation with

the defaulter to avoid further hassle.

Vision

From our early establishment our vision is to become and remain the number

one credit risk management agency in Bangladesh in terms of

Confidentiality

True around time

Coverage

Follow up

Case studies

End to and service

4 Star Consultancy


Values

4 STAR CONSULTANCY strongly upholds its value system which consist of

the following values-

Dependable

The confidentiality of the client and the information received or handled for the

client must not be breached at any cost. There must not be any act by 4 STAR

CONSULTANCY officers and staffs which may be deemed a undependable.

Proficient

the services will be offered in an acceptable(by the client) accuracy and with in

agreed timeframe. No deviation from standards is acceptable.

Professional

outmost professionalism is to be maintained on every activity carried out by the

4 STAR CONSULTANCY team. there is no scope of personal judgment. to

ensure that professionalism we do have a team of watch dogs whose are always

having an eagle eye over our staffs.

Dedication

our team is dedicated working forces who gave their best effort to achieve the

target. At the same time we do ensure the responsible attitude of our team

player.

4 Star Consultancy


KEY Strength

The work force of 4 STAR CONSULTANCY has been developed with a

bunch of experienced and dedicated skilled business professional who bring

proven expertise and sound business judgments to every distresses economic

deals. we offer our clients a full spectrum of services relevant to participants in

the debt verification, collection and recovery field, including the flowing areas-

Representation of financial institutions in debt restructuring

Representation of creditors in foreclosures, bankruptcies and creditors, rights

proceeding.

Representation of loan portfolio sellers and buyers.

Representation of parties to securitized loans.

Representation of financial institutions in loan portfolio and related

governance matters with regulatory agencies.

Representation of private buyers of failed banks/ financial institutions loan

portfolio being marketed through the banks/financial institutions

receivership auction process,

4 Star Consultancy


4 Star Consultancy


Resumes of the significant Body

Bachelor in AMMT

Shanto Mariam University of Creative Technology.

Managing Director, 4 STAR CONSULTANCY.

Md. Zahidul Islam Zahid has 8 years experiences in credit risk management in

Bangladesh, and total business experience is 10 years. he started his career as

garments chemical and accessories soppier. he was also director in gear raw

fashion workshop. he started his journey in debt collection services years

before. he gathered sufficient knowledge in marketing and especially on debt

recover and car repossession on the behalf of the financial institutes. he is

presently an advisor of R.M interior house. he works as an active member of

satkhaira zilla jana samiti Dhaka

General Manager (GM)

Md. Istiaq Uddin Chowdhury

4 STAR CONSULTANCY

Md. Istiaq Uddin Chowdhury is 7 years experience of credit risk management

in collection & recovery.

Assistant of General Manager (AGM)

Fazle Rabbi

4 STAR CONSULTANCY

Fazle Rabbi is 7 years experience of credit risk management in collection &

recovery.

4 Star Consultancy


Chief Legal Advisor

JILLUR RAHMAN

Additional (DIG)

4 STAR CONSULTANCY

Legal Advisor

AMZAD HOSSAIN

Advocate

Supreme Court, Dhaka Bangladesh

4 STAR CONSULTANCY

Md. Tusar

Barrister

Dhaka Judge Court, Bangladesh

4 STAR CONSULTANCY

Advisor

MAJOR ASHRAFUL ALAM

(Retired)

4 STAR CONSULTANCY

4 Star Consultancy


Infrastructural facilities

Head Office

4 STAR CONSULTANCY management has fixed its Dhaka facilities in different

location, which has been operated from one head office, which is given below:

53, Raitul Abed (Lift 08),

Purana Patltan, Dhaka-1000, Bangladesh.

Cell Phone:+88 01910-508677 ; +88 01821-933985

Phone:+ 02-9560293.

E-mail:[email protected]

[email protected]

[email protected]

Website:www.4starconsultancy.com

in our office, 4 STAR CONSULTANCY has been facilitated workstation for the

executive, managers and chambers for managing partner and legal advisors and

also a board room.

Branch Office

4 STAR CONSULTANCY management has fixed its Chittagong facilities in

different locations, which has been operated from one head office which is given

below-

Ga-40, Bashtala, Shahjadpur, Gulshan, Dhaka-1212, Bangladesh.

Cell:+88 01910-508677 ; +88 01821-933985

Phone:+ 02-9560293.


[email protected]

[email protected]


Vehicles

At the beginning 4 STAR CONSULTANCY Has one four wheeler exclusively for

its operation and number of motorcycle for quick operations, monitoring and

supervision,

Telephone and other Communications

4 STAR CONSULTANCY has 4 land line and more than 15 mobile phone for the

management office including 24 hours online service which will update the client

about the changing status of the collection .

4 Star Consultancy


Managing Director

MD. ZAHIDUL ISLAM ZAHID

[Master’s of M.A]

Islam Trading House, Managing Director ( C&F).

Cell Phone:01910-508677


[email protected]

[email protected]


4 Star Consultancy


4 Star Consultancy


General Manager (GM)

MD.ISTIAQ UDDIN CHOWDHURY

Govt. Enlistment Journalist


[email protected]

[email protected]


4 Star Consultancy


AGM

FAZLE RABBI


[email protected]

[email protected]


4 Star Consultancy


Manager

ASHRAFUL


[email protected]

[email protected]


4 Star Consultancy


Accounts Officer

MD. TOPON


[email protected]

[email protected]


4 Star Consultancy


Head of HR

MD. SHAMIM


[email protected]

[email protected]


4 Star Consultancy


EXECUTIVES


[email protected]

[email protected]


4STARCONSULTANCY

4 Star Consultancy


4 STAR CONSULTANCY services

Loan recovery is a time consuming process and has became a specialized field. our

success lies in continues follow up procedure that cause immense pressure and

responsibility upon the debtor to acknowledge liability and ultimately to settle

down the debt. Persistence is our trademark there are two basic collection phases

used namely our standard collection and legal collection

All account Follow the standard collection phase and should get paid by the

completion of this phase. However, should the debt still be unpaid still the debt will

follow into the legal collection phase.

After registering the debt on our database we start with an intensive strategy

containing the following: letters, telephone calls, faxes, personal visits, enquires

interviews and any other way of personal contact. During this phase the

whereabouts of the debtor will be traced, confirmed and update.

A payment plan will be negotiated and the financial position of the debtor

established.

Ultimately, settlement of the account. Should this not be the case the next phase of

legal collection could follow?

Countersigned support services

4 STAR CONSULTANCY provides the following support services to various

financial institution to ensure smoothing underwriting of credit facilities,

Application verification

The following information provided in the loan application from which will be

verified through.

Personal visit and or telephone calls and link up checking through door step

verification,

Phone number verification

Business/office address verification

Residence address/ status verification

4 Star Consultancy


Verification of Documents:

The valid documents with the loan application which had been approved, can be

verified

Personal Guarantee

Letter of Introduction

Bank Statement

Certificates

Memorandum of articles/ partnership deeds

Quotations

Verification for Credit Worthiness

4 STAR CONSULTANCY will also verify the capabilities, quality of clients and

the apprehensive

Business status

Nature of status

Premises condition

Storing facilities to assess the credit worthiness of business debtors

Collection Support Services

4 STAR CONSULTANCY provides the following support services for the

collection unit for smooth portfolio management

Skip Tracing

Collection Through Field Visit

Recovery from non Performing Account

Repossession of Hypothecated assets

Foreclosure Through Sale Hypothecated Assets

Maintenance of Remedial Portfolio

4 Star Consultancy


4 STAR CONSULTANCY debt verification collection and recovery services for

the collection unit for smooth portfolio management,

Mystery tracing to shipped files

Collection through fields visits

Recovery from non performing account / other account

Repossession of hypothecated assets

Foreclosure through sale of hypothecates Assets

Application Verification

All the information available in prescribe loan application from are verified

through physical visit, telephone calls and cross checking and investigations of

defaults address with status that is the following information’s are verified

Phone Number Verification

Business and office Address Verification

Residence Address and Status Verification

Document Verification :

The following documents are usually verified with due important with loan

application if required by the banks or financial institution-

Personal guarantee

Letter of Introduction

Bank Statement

certificates

Memorandum of articles of the association and partnership deeds

4 Star Consultancy


Security Verification:

A) Primary Securities:

such as stoke in hand, cash flow, fund flow, business premises, goods under

hypothecation as well as pledge, shares, debenture, Govt. bond, FDR, SP and

pap and any other securities,

B) Collateral Security:

Such as land, Building with valuation market price, condition, liquidity,

prospect etc.

C) Matter stated in LRA (Landing Risk Analysis) report and verification

thereof.

Verification of Credit Worthiness

4 STAR CONSULTANCY SERVICE LTD. is also capable to verify-

Business Status

Nature of Business

Premises Condition

Storage facility to assess the credit worthiness of business debtors

Services to be provided in future:

Credit application scoring/credit rating

Behavioral Scoring based Collection Support Services

Independent Credit rating (Individual)

Data ware hosing of Credit application and behavioral aspects of

customer for generation firsthand 4 STAR report for lending firms.

4 Star Consultancy


Client base/Major Operations

Retail loan Verification

SME loan Verification

Home loan Verification

Credit card Verification

Loan and card Verification

Car loan recovery

Three Classification of Loans :

1. Overdue account- waiting for payment for 30 days

2. Long overdue account –normally 60 days

3. Bad debt account – overdue for 90 or longer

When is the right time to hand over account?

Generally, if an account is 90 days or over on that point, most creditors have

already broken the term and conditions of the credit granted and the relationship

have soured. by now, the debtor has received all statements and letters and the

creditors have also expressed it’s concerned lack of response for payment.

Why use a collection agency?

It is proven that, at the second a collection agency gets involved the debtor knows

that collection of payment has now become a reality and priority and the sooner he

pays the lesser the pressure. Research has shown that-

The Longer Account is Outstanding

The Higher Risk and Chances of Non – Recovery

4 Star Consultancy


Requirements before we can start working

We want proof that the debt is valid by means of the following-

1. Detailed copies of invoices, statements, C.O.D Invoices, delivery notes

2. Agreement copy, banks statements or any other written acceptance of the

agreement between the client and the debtor.

3. We require any contact information regarding the debtor whether old or

new.

We need the following:

1. Capital amount-as per the agreement

2. Interest – what is the agreement and detailed calculation?

3. Fees added – as per your agreement

4. Service date

5. All payment amount and dates

6. All credit be applied

4 Star Consultancy


Date:

To

…………………….…..

…………………...……

…………………..…….

………………………..

Subject: Officer for card/pain/statement & Parcel Delivery.

Dear sir,

Understanding from reliable source that you are looking for a renowned firm that is

engaged in the services of making delivery of important documents and have been

performing their job efficiently, safely and are able to complete their services

satisfactorily.

Here we like to inform that ours are a well reputed firm having 5 years experience

in the line of same duty and at the present. We are doing our services within Dhaka

city & the other city area in Bangladesh with the present consignors whose names,

reference and contact number shown in a separated list attached. we assure you of

our reliability security and integrity while performing our responsibilities to be

entrusted to us with the stipulated time.

We have enclosed copy of our trade license issued by the Dhaka city Corporation

duly renewed

You are therefore, requested to kindly enlist the name of our company to deliver

your important documents within Dhaka city & as well as in the other city areas on

the rates quoted above by us.

We have enclosed the enlistment paper duly issued by the Dhaka bank Ltd. here

with this application.

Thank you,


Managing Director,

4 STAR CONSULTANCY

4 Star Consultancy


Courier Service

The key to success in today’s business arena is Effective and Satisfying Customer

Service” Organized and timely distribution of mail, document and parcels of

services Oriented business Organization is an essential aspect of their customer

service.

4 STAR CONSULTANCY has been established to bring Professionalism, quality

services, time definite and assured delivery, and wide- coverage and above all, with

the attitude of exceeding customer needs.

We Offer

Quality customer services experience professional are ready to ensure to fulfill

customer requirements and are attended to and should come up with the right

solution daily.

Information Technology

Computerize customer service feedback for our renowned clients.

Corporate Mail Delivery

Abiding provides guaranteed and real time definite delivery of corporate mails by

picking up from customer’s desk to any desired location within the country.

Just-in Time delivery

Our operations and services set up ensures just in time delivery irrespective of

location size and any other contingency.

Confirmed same day and 6 hours delivery services is available within Dhaka,

Chittagong and Sylhet.

4 Star Consultancy


4 STAR CONSULTANCY

Offer for cards/pain/Statement & parcel delivery

Particular Area Amount

DEBIT CARD ALLL OVOER BANGLADESH

CREDIT CARD ALLL OVOER BANGLADESH

PAI ALLL OVOER BANGLADESH

STATEMENT ALLL OVOER BANGLADESH

CHEQUE BOOK ALLL OVOER BANGLADESH

PARCEL ALLL OVOER BANGLADESH

PARCEL ALLL OVOER BANGLADESH

Company will take responsibility for cards/pin/statement/parcel delivery/ other

documents & will solve complain regarding miss delivery or accident missing as

per situation. Cash money fragile items, liquid, electronic goods, garments item &

prohibited item by state low must not be included in the documents packet.

Rates quoted for the service is confidential and valid said parties only.

payment should be made in the first week of the next month.

4 Star Consultancy


Supply

Now a day’s corporate & Other Financial institutes are depending on a single

corporate house to get their stationary & other office equipment at a time. With a

view to provide best stationary & office equipment with the shortest possible time

and with the competitive price in the market, 4 STAR CONSULTANCY has

started the supply for corporate arena. It bring professionalism, quality product,

time definite and assured delivery, and wide-coverage and above all, with the

attitude of exceeding customer needs.

We Offer

Quality Product.

Competitive Price.

Fastest Delivery.

Quick Care

Our workforces are always ready to get your order over phone & via E-mail. And

we will Supply the product within 3 hours maximum for a bulk order.

4 Star Consultancy


Details Contact Address-

Head Office: 53, Purana Paltan, Dhaka-1000.

Cell:+88 01910-508677 ; +88 01821-933985

Phone:+ 02-9560293.

E-mail: [email protected] [email protected]

[email protected]


Branch Office: Ga-40, Bashtala, Shahjadpur, Gulshan,

Dhaka-1212, Bangladesh.

E-mail: [email protected] [email protected]

[email protected]


Managerial Contacts:


Managing Dirctor,

4 STAR CONSULTANCY

Cell:+88 01910-508677 ; +88 01821-933985

Phone:+ 02-9560293.

E-mail: [email protected] [email protected] [email protected]


mailto:[email protected]

4 Star Consultancy


APPENDIX-1

TRADE LICENSE

4 Star Consultancy


4 Star Consultancy


4 Star Consultancy


APPENDIX-2 MONITORING & COLLECTION

FORMAT

4 Star Consultancy


…………………………..Bank

CUSTOMER NAME:

A/C NUMBER:

TOTAL DUES:

TOTAL OVERDUE PERIOD:

VISIT DATE:

CONTRACT NUMBER:

CUSTOMER’S DECLARATION:

I WILL PAY MY OVERDUE AMOUNT OF BADT_________ON DATED_____WITHOUT FAIL

CUSTOMER’S SIGNATURE:

COLLECTION OFFICER’S SIGNATURE ___________________________________

COLLECTION OFFICER NAME:

AGENT NAME :

REMARKS:

Collection executive

Name:

Date:

4 Star Consultancy


FOR THE MONTH OF (LOAN & CARD)

Executive Name:

Sl.

No.

Customer’ Name Area Loan

A/C No

Card

A/C No

Date

01

02

03

04

05

06

07

08

09

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

Field Executive Team Leader Account’s Officer

4 Star Consultancy


4 Star Consultancy


Head of Recovery

………………….

…………………. We confirm that we have verified the following information and our findings are as follows:

Receiving Date: Submitted Date:

Personal Details Verified and Found to be

Authentic

Card Holder Number Yes No

Applicant’s Name

Current Residence Yes No

Permanent Residence Yes No

Residence Tel No Yes No

Mobile No Yes No

Present Mobile/ Phone no

Spouse’ Name Yes No

Work Address of Spouse

(if any):

Yes No

BDT Limit USD Limit

Total Outstanding BDT Total Outstanding

USD

Minimum Dues BDT Minimum Dues USD

Mix Age

Person Contacted and

Contact Time

Behavior of the person Excellent Good Bad

Number of Years in the

Existing location

Yes No

Applicant’s photo

verification

Yes No

Employment or Business Details Verified and Found to be

Authentic

Type of Profession: Service, Business, Others Yes No

Office Address: Yes No

Company Name: Yes No

Office Phone Number: Yes No

Business/ Service Length Yes No

Nature of Business Yes No

Designation Yes No

Salary Certificate Yes No

Number of Employees Yes No

Business house status Rented Owned

Office Status Flat Independent House Others Specify

Office Size Very Small Small Medium

Location Conveniences Easy Little Difficult Difficult Unable to

Locate

Authorized Signature & Seal Field Executive

4 Star Consultancy


Relative/ Reference Details Verified and Found to be

Relative’s Name Yes NO

Relationship Yes NO

Designation/ Profession Yes NO

Contact Address Yes NO

Phone No Yes NO

Mobile No

Office No

Social Reposition of Customer ( Mandatory)

(Life Style, residence status, customer’s reputation in the residence and work place etc)

Any issue, Observation of remarks:

Authorized Signature & seal Field Executive

4 Star Consultancy


RECOVERY FOR THE MONTH OF Executive Name: Collection Type:

SL Loan/ CARD NO. NAME AGE TK. DATE

01

02

03

04

05

06

07

08

09

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

Field Executive Team Leader Account’s Officer