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1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Fiji

Fiji is divided into 14 divisions with the capital city in Suva. Our local office is in Suva so we are centrally located debts throughout all of Fiji.

 

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language, in the case of Fiji there are 3 official languages; English; Fijian and Hindi. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Fiji

6 years but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

PLEASE CALL US ON 0121 442 5330 FOR FURTHER DETAILS

Or ask us to call you – just leave us your details:

 




Fiji Debt Collection – No Win No Fee

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No  Fee basis charging an agreed commission against monies recovered only.

Main reasons why a local country debt recovery agency is so important rather than trying to recover from the UK are as follows:

The local International Debt collection Partners know:

  1. The local cultures
  2. The languages
  3. The laws
  4. Are in the same time zones

 

Herewith details of our debt collection service Fiji

–       Location of office in Fiji
Suva

–       Number of staff
40

–       How long been operating in Fiji
Since 2004

–      What type of debts do you recover?
We do both commercial debt collection (B2B) and consumer debt collection (B2C)

–       Statute of limitation in Fiji
6 years

–       How EU (European Union) laws effect debt collection in Fiji?
It does not effect Fiji

–       How many company registries in Fiji for businesses? (I.e.UK just has 1 central registry)
1 Registry

       –       What is the collection process in Fiji?

PROCEDURE FOR DEBT RECOVERY

1. 14 days’ Notice of Demand to be served the debtor.

2. In the event we receive no response we will file a Writ of Summons, whereby, the court issues a date to hear the matter, depending on the availability of the Magistrate.

3. We arrange for service of the Writ on the Debtor and filed Affidavit of Service. Writ of Summons is only valid till 6 months. If we fail to serve within six months we will have to file a fresh Writ of Summons. In the event that the debtor’s whereabouts are unknown or the debtor is evading service, we can opt to file a Notice of motion and an Affidavit in Support of Notice of Motion, to seek permission of Court to conduct a substitute service of the Writ of Summons via a local newspaper or registered post (highly recommend local newspaper as many people do not check their post boxes).

4. We arrange for all attendances and advise client on what transpired.

5. If the Debtor does not make an appearance before the court on the hearing date, we seek Judgment by Default. In the event that the Magistrate issues any other directives such as a Formal Proof of the matter, we will advise Client and prepare an Officer to enter appearance in Court to formally proof the claim viz support of signed contract(s) and Statement of Account(s).

6. If the Debtor enters appearance and agrees that s/he owes the client the claimed monies, a Consent Order is obtained, sealed and served accordingly. After obtaining the Order / Judgment, client or solicitor can contact the debtor to enter into a payment arrangement on dues. Please note that the Consent Order is in no way or form, a payment arrangement rather an agreement that debtor acknowledges the debt and wishes to clear the dues.

7. If the Debtor does make an appearance before the court, directions will be given for filing of defence and pleadings if the debtor contests the claim.

8. Once the pleading is complete, the court may ask for Pre-Trial Conference Minutes and Agreed Bundle of Documents to be filed. Duration of such proceeding cannot be ascertained, as it depends on the Magistrate’s availability.

9. Hearing date is set; we will file and serve Subpoenas and Precipe, 7 clear days from the date of hearing.

10. After Writ of Summons proceeding is concluded and there being default in payment by the debtor still, there are three procedures thereafter, which would be other to file via Bankruptcy proceedings, Judgment Debtor Summons (Highly recommended proceeding) or Writ of Fieri Facias.

(1) Bankruptcy Proceedings

1. File Request to Issue Bankruptcy Notice plus Bankruptcy Notice simultaneously;

2. If the Debtor’s whereabouts are unknown then we need to file Ex-parte Motion and Affidavit in Support, together with above documents, seeking leave of the Court to advertise all documents pertaining to Bankruptcy proceedings;

3. Upon appearance in Court on motion, seeking leave to advertise and being granted Orders, we will seal the Order (Note this will only be filed if the Debtor’s whereabouts are unknown);

4. Advertise Request and Bankruptcy Notice and file an Affidavit in Service;

5. We will file and advertise Bankruptcy Petition; the Court will give us a returnable date, which should be more than seven days after filing of Petition;

6. File Affidavit verifying advertisement of Bankruptcy Petition;

7. File Affidavit Verifying Debt at least 24 hours before the call date of Bankruptcy Petition.

8. On call date of Bankruptcy Petition, we will seek Receiving Order, as under the Rules the Debtor should respond within 7 days of service of Bankruptcy Petition;

9. Seal Receiving Order and file General Proxy Form aka Proof of Debt form at Official Receivers Office (Liquidator).

10. In the event that the Debtor later contacts the Official Receiver and settles the debt, then it becomes the Official Receiver’s duty to make an application to rescind (withdraw or cancel) the Receiving Order.

(2) Judgment Debtor Summons

1. File Praecipe for Judgment Debtor Summons and Judgment Debtor Summons and serve before the court date. The summons is only valid for 6 months, if Summons is not served within 6 months from the date of the summons, the same will be cancelled and you will have to file a fresh Summons;

2. An Affidavit of service will be filed to proof that the Judgment Debtor Summons has been served on debtor.

3. If the Debtor does not appear on the first call date of the Summons, seek a Bench Warrant (arrest warrant).

4. If the Debtor does appear, we will examine him/her on its means of income and all expenses. Payment Order will be made according to one’s affordability to pay.

5. If in the case that the debtor fails to adhere with the orders made by the court, we will then file Order of Commitment (Final arrest warrant that considers jail term for the debtor, if failed to clear dues).

6. Once the Debtor is arrested and is in the Court’s custody for either Bench Warrant or Order of Commitment, the Court will advise our office of the court appearance date which we will attend promptly on the same day of arrest.

(3) Writ of Fieri Facias

1. File Writ of Fieri Facias, which shall be directed to the Court Sheriff who shall be empowered to levy, by distress and sale of the personal property, wherever found in Fiji, of the person against whom the Judgment was given. Police Officers can assist the Court Sheriff in this matter. Only items belonging to the debtor can be taken for sale to recover dues.

2. Note, this proceeding is only effective if client is aware that the debtor holds reasonable assets for recovery of dues via seizure and sale.
Few legal terms to note:-

1. Consent Order :- When defendant is present in Court and acknowledges debt claim and willingness to discuss arrangement thereafter with Client or its Solicitor;

2. Default Judgment:- When defendant does not appear despite service of the Writ of Summons. An Order is made in Defendant’s absence that s/he has to pay the dues to the client;

3. Formal Proof:- Should the defendant not enter appearance despite us serving a copy of the Writ of Summons, we may be asked to formally proof the debt to the Magistrate so that a Final Order / Default Judgment can be obtained. For Formal Proof, client will be asked to provide all supporting documents such as a duly signed Contract along with full statement of Account, reflecting transactions as per the statement of Claim in the Writ of Summons. We will also require the Client to provide us the details of the Manager or any authorized officer who is well aware of the cause of debt and its timeline. We, as your Solicitors will require this officer’s time in preparing him or her on what questions and answers we will anticipate during the Formal Proofing in Court. Officer will appear in Court with a Solicitor whereby, our Solicitor will cross-examine the officer on his or her knowledge on the debt.

4. Reinstatement:- When a matter is cancelled from court’s Cause-List (active listed matters for hearings /mentions (normal court dates) due to the Solicitor of the Plaintiff not entering appearance on the given dates or for any other unforeseen circumstances (most frequent one would be, Registry clerk calling the matters on wrong date and having no one to appear as the parties are unaware of the matter being called and having the matter struck out (cancelled the whole civil action). In such case, Registry will not put the civil action back in the list though they are on fault. It is our duty to then draw up a Notice of Motion and Affidavit in Support which states what had transpired, making sure we are not directly putting all blame on Registry for the mishap. We have to respectfully, request formally via these two forms, to have a date assigned to the Notice of Motion then seek permission to reinstate the matter. During such time, we will have to serve a copy of the Motion and Affidavit on the defendant so that the defendant is aware of the next court date and make appearance.

5. Means Test:- When a defendant advises Court that he or she is unable to make repayment or cannot meet the required installment on the account, Court demand full details and evidence of the defendant’s income and expenditures so that Court can assess what is the affordability of the Defendant when it comes to clearance of dues.

–       Average length of time to collect?
Maximum of 6 months but due to unforeseen circumstances, such as unavailability of Magistrate/ Judge or contested claims, may prolong the conclusion of the case.  We cannot ascertain the time frame in such situations

–       Can late payment fees / interest be added to claims?
If these fees are contractual, yes, else, only statutory interest can be added to the principal debt

–       Details on legal service / legal process in Fiji

WINDING UP PROCEEDINGS:

 21 day Statutory Notice (S 515) will be served on the Debtor Company, at its registered office.

In the event we receive no response, we will proceed with Winding Up Application, which includes: 1. Write to the Official Receivers seeking its consent to act as a liquidator in the Winding Up proceeding;

2. Once, an approval letter has been provided by the Official Receivers, file the Winding Up Application (D 1 Form) and the Affidavit Verifying Petition (D 3) at the Official Receivers office with a fee of $700.00 VEP;

3. With the original receipt of the Official Receivers and its Approval Letter, file the Winding Up Application (D 1) and an Affidavit Verifying Application (D 3) at the High Court Registry;

4. High Court will issue two dates on D1 Form. The first call date is for Compliance check to obtain compliance certificate (the Court will want to see that you have completed all steps required in the Winding Up Proceedings such as service of D1 and D3, filing of Affidavit of Service, facilitating advertisements in local newspaper and gazette, filing of an Affidavit of Advertisement) and the second date is for the Application to be heard.

Things to complete before the mention date:-

 Serve D 1 and D 3 on the Debtor Company at least 2 days before the advertisement. It is the right of the Debtor Company to contest and appear on the date marked on the Petition.

 After service of D1 and D3, we will have to file an Affidavit of Service to confirm that the said documents were indeed served.

 File Notice of Winding Up Application (D 4). This document would allow us to advertise in the Newspaper and Fiji Gazette.

 After advertising (which should be no less than 14 days before Hearing), we will file an Affidavit Verifying Advertisement.

9. A List of Parties Attending the Hearing has to be filed a day before the Hearing (in the afternoon as the Notice of Winding Up Application gives time till 4: 00 pm, a day prior to the Hearing, for the parties to submit their intention to appear /support or oppose the petition).

10. On the day of Hearing, you should have the Compliance Certificate as evidence of Deputy Registrar’s confirmation that all required steps were completed by the applicant, and are now ready to obtain the Final Order (winding up Order). Upon Orders being granted; we will need to seal the Winding Up Order. Once sealed Order in hand, we will have to lodge same at the Official Receivers, together with a Proof of Debt that comprises of all supporting documents pertaining to the debt claimed. Note, it is up to the Official Receivers on how long it takes them to close down the company or make arrangements with Debtor Company to clear the dues.

There are many unique requirements to recovering international debts in all countries including Fiji debt collection services which differ from the UK debt collection agency  services and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

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“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
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“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
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“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
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“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial
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