4 Star Consultancy
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
E-mail: [email protected]
[email protected] [email protected]
Website: www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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,
Md. Zahidul Islam Zahid
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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]
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.
E-mail:[email protected]
Website:www.4starconsultancy.com
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
Place Your Trust On Us…….
Managing Director
MD. ZAHIDUL ISLAM ZAHID
[Master’s of M.A]
Islam Trading House, Managing Director ( C&F).
Cell Phone:01910-508677
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
General Manager (GM)
MD.ISTIAQ UDDIN CHOWDHURY
Govt. Enlistment Journalist
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
AGM
FAZLE RABBI
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
Manager
ASHRAFUL
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
Accounts Officer
MD. TOPON
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
Head of HR
MD. SHAMIM
E-mail:[email protected]
Website:www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
EXECUTIVES
E-mail:[email protected]
Website:www.4starconsultancy.com
4STARCONSULTANCY
4 Star Consultancy
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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,
Md. Zahidul Islam Zahid
Managing Director,
4 STAR CONSULTANCY
4 Star Consultancy
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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]
Website: www.4starconsultancy.com
Branch Office: Ga-40, Bashtala, Shahjadpur, Gulshan,
Dhaka-1212, Bangladesh.
E-mail: [email protected] [email protected]
Website: www.4starconsultancy.com
Managerial Contacts:
Md. Zahidul Islam Zahid
Managing Dirctor,
4 STAR CONSULTANCY
Cell:+88 01910-508677 ; +88 01821-933985
Phone:+ 02-9560293.
E-mail: [email protected] [email protected] [email protected]
Website: www.4starconsultancy.com
4 Star Consultancy
Place Your Trust On Us…….
APPENDIX-1
TRADE LICENSE
4 Star Consultancy
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
APPENDIX-2 MONITORING & COLLECTION
FORMAT
4 Star Consultancy
Place Your Trust On Us…….
…………………………..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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
4 Star Consultancy
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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
Place Your Trust On Us…….
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