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Buyer’s guide

Twelve questions to ask any arrears software vendor

Including us. Each one has a follow-up that is harder than the question, which is the point — every vendor has a good answer to the first question and only some have one to the second.

We have not written a page comparing ourselves to named competitors, deliberately. Most of what we know about rivals is first-hand rather than published, and first-hand knowledge is good enough to shape how we build and not safe to assert publicly as fact about somebody else’s product.

A question list gets you further anyway. You can put these to every vendor on your list, including this one, and compare the answers rather than the marketing.

In a demo

Ask these, and watch for the follow-up

Can you show me the rule that raised this case, in words?

If the answer involves a model whose weightings are commercially confidential, ask how you would explain a decision about a resident to a board member or an Ombudsman investigator. That conversation happens after something has gone wrong, and “the vendor’s algorithm” is not an answer anybody accepts.

Who changes a threshold, and what does it cost?

Ask to watch somebody change one, on a demo system, during the demo. The recurring cost in this category is rarely the licence; it is the quotation that arrives when you want a number moved. If the honest answer is “raise a ticket”, price that over five years.

What happens to an account inside a Breathing Space moratorium?

The useful follow-up is where it is enforced. A flag on a screen is bypassed by anybody who opens the account directly. Ask whether the block also stops the overnight automation and whether the send itself refuses.

What does the system do with a mental health crisis moratorium that has no end date?

There is a right answer and a dangerous one. Treated as expired, the account rejoins the chase while the person is still in crisis treatment. Ask to see the record with the end date blank.

How does it know a tenant pays monthly when you bill weekly?

If the answer is “we set a flag”, ask who maintains it across the whole book. A monthly payer billed weekly looks weeks in arrears for most of every month, and that is a large part of what fills a badly-tuned worklist.

Show me a case closing itself.

Cases whose cause has gone away should leave the list on their own, with the reason recorded as an event rather than as a silent state change. Ask what the audit trail shows afterwards.

How do you evidence the Pre-Action Protocol across the whole book?

Not for one account after somebody opens it. Compliance is judged at the point a claim is issued, so the only useful version of this is a standing figure that names which requirement is your gap, before solicitors are instructed.

What does the product do about the public sector equality duty?

Ask whether it counts “a protected characteristic is recorded” and “an assessment was made and an adjustment offered” as one number or two. Only the second discharges anything, and collapsing them is how the duty gets reported as satisfied when it has not been.

Can a possession route be produced without the tenancy regime?

It should refuse. The mandatory arrears ground does not exist against a secure tenant at any level of arrears, so a system that infers or guesses the regime produces a route that reads as authoritative and is wrong.

Can somebody delete an equality assessment or an adjustment record?

Ask at what level it is prevented. “The UI does not offer it” is a different answer from “the database grants no DELETE”, and only one of them survives a support engineer with a console.

What does the product not do?

If there is no answer to this, that is the answer. Every product has a boundary; a vendor who cannot name theirs has either not looked or is not telling you. Ask for it in writing before contract, not during implementation.

What is your evidence for the improvement figure on your website?

Ask which landlords, over what period, measured against what baseline, and whether the comparison was against their own previous year or a sector benchmark. Then ask whether they will commit to it for your book.

Fair warning

Where we would struggle

Since the list is meant to be used on us too.

Ask us and we will say

  • We have no published arrears-reduction figure and no sector benchmark set. A competitor with a decade of benchmark data can show you numbers we cannot.
  • The overnight automated letter run is not gated on the communication-needs confirmation. An officer is stopped; the templated run is not. It is not built.
  • We do not freeze interest or charges during a moratorium. We tell you they must be.
  • We do not run a complaints workflow, and we are not a benefits calculator.

And where we would answer well

  • Every rule is readable and editable by your team, with no model weightings behind the prioritisation.
  • Statutory holds are enforced at the queue, the automation and the send endpoint, not on a screen.
  • The equality and adjustment records carry no DELETE grant.
  • The limits are published. All of them, on one page.

Put the list to us

On a live account, in under ten minutes per question.