Stage 01
Initial contact
Collection begins by phone: reminding customers of what's due and directing them to the creditor's official payment channel.
Al Anad Debt Collection Office
A Saudi specialist in recovering overdue receivables on behalf of creditors. We reach customers by phone, SMS and WhatsApp, point them to the creditor's official payment channel, and escalate to legal action only when it's needed.
What we do
Al Anad is a Saudi collections office recovering overdue debt on behalf of creditors. We reach the customer, remind them and point them to the official payment channel and we never touch their money. When it's needed, we escalate by the book through to enforcement.
Download company profile (PDF)Everything about Al Anad and its services in one file6
integrated collection stages, from first contact to enforcement
40+
training hours for every employee before starting work
3
contact channels: phone, SMS and WhatsApp
7
core sectors served, from banking and energy to health and insurance
How it works
An organised, sequential workflow built for accuracy and customer satisfaction, escalating gradually without sacrificing the relationship.
01
02
Stage 02
Notices
If payment doesn't follow the first contact, we send notices with the debt details, the amount due, where to pay officially, and the consequences of non-payment.
03
Stage 03
Private negotiation
When a debtor doesn't respond, a dedicated team finds out why the bill is late, clarifies it and removes obstacles, so the debtor pays the creditor directly.
04
Stage 04
Legal proceedings
If no settlement is reached, we turn to legal action to recover the debt by filing claims and obtaining judgments.
05
Stage 05
Enforcement
Once a judgment is issued, it is enforced through the competent authorities to recover the overdue amount.
06
Stage 06
Documentation and follow-up
Every step is documented and the debt's status is tracked periodically until the amount is recovered.
How payment works
We never receive payments and we don't offer instalments. Our job is to reach the customer, remind them, and direct them to the website of the company that issued the bill, or its official place of payment, so they pay their bill themselves, directly.
- 01
We contact the customer
A call, an SMS and a WhatsApp message politely remind them of the outstanding bill.
- 02
We point them to the payment channel
- 03
They pay the creditor directly
No payments through Al Anad
Services
From a courteous reminder to court enforcement, we run the whole cycle on your behalf.
Structured call, SMS and WhatsApp campaigns that remind customers of what they owe and direct them to the creditor's official payment channel.
Amicable collection
Structured call, SMS and WhatsApp campaigns that remind customers of what they owe and direct them to the creditor's official payment channel.
Technology
- CRM analytics
- Service CRM
- Human resources
- Call-centre integration
- Marketing CRM
- Sales CRM
We run on an integrated, data-driven central system for managing customers and communications. Everything about current and prospective customers is stored in one place, so teams get the insight they need the moment they need it. We also built our own system to evaluate how efficient and successful our operations are, in line with our standards and procedures.
Collections management system
Portfolio management
Upload Excel files, distribute calls and messages automatically or manually, and track contact status per portfolio.
Collections management system
Customer list
Search by name or ID, sort by priority and debt value, with daily indicators and the collection rate.
Collections management system
Call production reports
Each agent's workload: required, completed and reached, with call outcomes classified.
Collections management system
Office reports
A summary per office and portfolio: bills and customers targeted by calls and messages, with downloadable lists.
Names, ID numbers and mobile numbers are blurred to protect customer privacy.
Our partners
When a customer can't be reached or refuses to pay in part or in full, these organisations look for capable, experienced collectors who recover overdue balances quickly and lawfully.
Our distinguished partner for recovering overdue electricity subscriptions, with monthly lists prepared and followed through until judgments are issued.
Sectors we serve
Banks01
Financial institutions02- Instalment companies03
Commercial, service and financing companies04
Hospitals and private healthcare facilities05- Insurance companies06
Government and semi-government bodies07
They rely on us to resolve overdue balances owed by their customers, whether individuals or other businesses.
Legal procedures
Once the collection team has exhausted all contact attempts and tried to resolve the case amicably, we follow a clear sequence to file claims:
Najiz: the Ministry of Justice electronic services platformDebtor data is sent through the system to the operations department.
Operations researches and verifies the outbound call reports, classifies each debtor as a business or an individual, and obtains the required documents from internal departments.
Our contracted law firm is asked to study the cases and prepare a complete statement of claim, with full detail and documents and free of legal gaps.
A monthly list of subscriptions to be referred to court is sent to the client for approval, then moved to a judicial portfolio and followed up weekly until judgment.
The client is updated periodically after judgments are issued, with a report from the Najiz electronic judicial services platform.
How we operate
01
Quality and oversight
Internal oversight and evaluation policies ensure the team follows consumer-protection law and runs collections to a high professional standard.
02
Privacy protection
We never disclose a debtor's personal information without prior consent, and never use threats, blackmail or defamation.
03
Call recording
Calls are recorded and the records kept as conclusive evidence of what was agreed, which also clarifies responsibility in any dispute.
04
Respectful contact hours
We avoid contact late at night, at weekends, and on official public holidays.
Our people
Our employees hold university degrees in business, management, finance and accounting, plus training before they start work and specialist training in debt collection, negotiation and persuasion.
40+training hours before starting work
- Effective communication
- Negotiation
- Patience and persistence
- Firmness and decisiveness
- Data analysis
- Psychological insight
- Time management
- Emotional intelligence
- Working under pressure
- Professionalism
- Legal knowledge
- Technology skills
Contact us
Tell us about your company and portfolio size. Our team will get back to you with the right workflow and an initial proposal.