AI debt collection for auto finance and leasing
PCP, HP, lease default, voluntary termination, end-of-term balloon conversations, and pre-repossession forbearance. CCA-aware, Consumer Duty compliant.
Built for UK and European auto finance lenders, captive finance arms, independent lessors, and asset finance providers.
Auto finance conversations carry the highest compliance stakes in lending.
A misstep on a voluntary termination call - failing to explain consequences, giving wrong shortfall guidance, or pressuring a customer away from their section 99 right - creates FCA complaints, FOS adjudications, and potential skilled person reviews. Every operator has to know the CCA inside out. Attrition cycles mean your knowledge base constantly erodes.
Add the balloon payment conversation at PCP end-of-term. Three options have to be presented correctly, GMFV referenced, part-exchange path offered, condition expectations set. Operator variance here costs money on every miscommunication.
AI removes the variance. The CCA-regulated script is the script. Section 99 rights are referenced correctly every time. PCP three-option conversations run identically across your entire portfolio. The audit trail exists by default. You get compliant, consistent, commercially optimised conversations without the training burden.
Auto-finance-specific compliance and commercial handling.
Product-by-product configuration. Each conversation type has its own compliance and commercial path.
Voluntary termination
50% threshold reference, consequence explanation, shortfall guidance, routing to VT processing. Correct every call.
Default notices
Pre-default conversations reference the forthcoming section 87 notice correctly. No premature enforcement language.
Consumer Duty
Vulnerability detection, forbearance offers, signposting to free debt advice. Applied on every PCP, HP, and lease arrears call.
Three-option conversation
Pay balloon, refinance, return with wear and tear assessment. GMFV referenced. Customer choice captured and actioned.
Restructure options
Payment-date moves, term extensions, reduced payments, tail adjustments - all within your configured authority bounds.
Pre-repossession
Repossession-eligible accounts route to human specialists with full context. AI does not threaten, does not pressure.
Hear CCA-aware conversation quality.
The cadence and knowledge discipline that makes auto finance conversations compliant by default.
Four things AI changes in auto finance collections.
Each one reduces complaint volume and improves commercial outcomes simultaneously.
CCA knowledge perfected
Section 99, section 87, section 77 information requests all referenced correctly without training cycles or attrition decay.
VT conversion right
Customers who want to VT get the right explanation, the right shortfall guidance, the right routing. No mis-sold VT, no post-hoc complaints.
End-of-term captured
PCP balloon conversations run proactively at day T-60. Part-exchange offers surface. Customer decisions happen on the call, not after it.
Forbearance at scale
Every eligible customer gets a genuine forbearance offer. Consumer Duty evidence produced as a by-product of the conversation.
Compliance coverage
Related deep-dives
Auto finance deployment FAQ
Questions from heads of collections, compliance, and asset recovery at auto finance lenders.
Section 99 of the Consumer Credit Act gives customers the right to voluntarily terminate regulated hire purchase and PCP agreements once they have paid half the total amount payable. The AI detects VT requests immediately, confirms the customer's understanding of the consequences, references the 50% threshold, explains any shortfall implications, and routes to your VT processing team with a complete call record. No operator forgets to mention the consequences. No customer gets bad information.
CCA-perfect conversations at scale.
Call the demo line or book an auto-finance-specific discovery call.
Book an Auto Finance Discovery Call