Capital Data



Capital Data is the specialised collections department within the Legal Collections Division of  (TCR) Transaction Capital Recoveries.

Incepted in 2007 and substantial portfolio (in excess of R500 million) currently under management. Capital Data manages all Administration Order and Debt Review accounts for the TCR Group (principal) and where appointed our clients (agency: Vodacom, Capitec, FNB, JDG, Cell C)

Debt Review

With increasing pressure on consumers, Debt Review has seen exponential growth in recent times, both in consumers seeking their protection, as well as practitioners offering these services.

Due to its nature, this portfolio is often the better performing and more reliable source of arrears revenues for Credit Providers. However, the typical back office has not been designed to deal with the large, complex and ever increasing ecosystem of counterparts… especially as new entrant Debt Counsellors are often ill-equipped themselves to manage their businesses efficiently.

Debtors are also constantly moving the goalposts on payments, with a significant population exiting or changing their expected payments each month, requiring a sizable query management and reconciliation effort which can quickly spiral out of control.

In response, Credit Providers are allocating more and more manpower and management oversight to address the imbalance and protect revenues… but this is a response with a limited lifespan.


Efficient Debt Review management requires significant investment in the teams, systems, processes, and most importantly working relationships, to deal with the hundreds of Debt Counsellors, PDAs and courts; the thousands of debtors; and millions upon millions of Rands received in payment every month.

‘Transaction Capital Recoveries offers a professional, modular administration service for all your Debt Review and Administration Order needs’



Our Simple, Innovative & Industry Leading Offering

Transaction Capital Recoveries offers a professional, modular administration service for all your Debt Review and Administration Order needs, on a fixed fee or commission basis, tailored to your exact business requirements.

Our highly trained and efficient teams have a deep understanding of the Debt Review and Administration Order environment and have well-established industry relationships to make our collections service a success… with the industry recognition and awards to prove it.


Our modular offering covers the entire lifecycle of a debt within the Debt Review  and Administration Order environment, or, we can provide a stand alone, specific services for steps in the process which are problematic for you, supported by industry leading client service including custom reporting and payovers. Our modular approach may also be used to target specific geographies or Debt Counsellors where you require assistance, or to provide flexible scale to limit further investment in your existing in-house operations.

Our systems, processes and controls are designed to be “debtor, debt counselor and administrator centric”, allowing a single, cohesive conversation with a counterpart regarding the entirety of a debtor’s exposure to our clients, and enabling our team to quickly identify, query, negotiate (and oppose in court if needs be) and finalise when a bulk payment is not made to expectations.

Once your business rules are verified, our team will handle all the day-to-day administration of dealing with the multitude of counterparts in the Debt Review and Administration Order environments on your behalf, safeguarding your cash flows and dealing with queries with full transparency and traceability to our industry leading standards for controls and compliance.

“we firmly believe in building trusted relationships through fair, ethical and professional conduct with all the stakeholders”

Over and above our robust process, we firmly believe in building trusted relationships through fair, ethical and professional conduct with all the stakeholders in the Debt Review and Administration Order value chain – without these, we would not be able to deliver our leading service! In fact, our relationships are so strong with the large role-players that we have direct access to their entire databases.


Our solid relationships with Debt Counsellors has facilitated discussions to integrate systems. To this end many Debt Counsellors are happy to integrate their system with client, so that client may equitably split their applications for Debt Review amongst panel of managing agents.

  • Recognised, reputable and established partner, listed on the JSE
  • Single counterpart to efficiently and robustly manage a complex industry ecosystem and process
  • A team of industry experts with deep relationships across stakeholders
  • Modular service offering to target your specific needs
  • Quality service and engagements, not just for you as our client, but for your clients too
  • Increased revenues coupled with low, predictable fees at fixed rates

Contact Us

For more information about Capital Data please feel free to email: