The Charlbury Group

TCG Address

The Charlbury Group B7, Danebrook Court, Oxford Office Village, Langford Lane, Kidlington Oxford OX5 1LQ

Telephone: 01865 856888

How to find us

From A40
Exit the M40 at Junc. 9 (which is sign posted Oxford). Join the A34 following signs for Oxford. Exit the A34 at the Pear tree Interchange. Follow the signs for the A44, Blenheim Palace and Woodstock. Cross straight over 4 roundabouts.

Turn right at the traffic lights on to Langford Lane (sign posted Oxford Airport).
Turn right at Mercedes Garage. Turn Right into Danebrook Court

From Swindon
Follow the A420 for approx 24 miles. At Botley Interchange take the 1st exit at the roundabout on to the A34. Continue on A34 for approx 4 miles and exit at the Pear tree Interchange.

Take 1st exit onto the A44, follow signs for Blenheim Palace and Woodstock.

Cross straight over 4 roundabouts. Turn right at the traffic lights onto Langford Lane (sign posted Oxford Airport). Turn right at Mercedes Garage. Turn Right in to Danebrook Court.

View Map

Press Releases

Charlbury Group trio to undertake 24 peaks in 24 hours challenge for Cystic Fibrosis Trust

Three intrepid athletes (sic) from the Charlbury Group are undertaking a great challenge for a great charity for the company's annual charity event.

Paul Duckworth, Thiago Pereira and Dave Ford are tackling the 24 Peaks in 24 hours challenge with 2 nights of camping in the Lake District.

After a night camping in the Lake District they set off at dawn to tackle the first 12 peaks which includes Scafell Pike, the highest peak in England. Day one will take the group an estimated 13 hours walking but that's just half the challenge. No comfy hotel beds for the team as it is another night under canvas before taking on the final 12 peaks during an estimated 11 hour walk on day two.

They are fundraising for the Cystic Fibrosis Trust UK (CF Trust). This particular charity was chosen as Thiago's oldest son, William, suffers from Cystic Fibrosis.

This charity provides support to those affect by CF and their families. They invest in high-quality research to bring forward new treatments and work with healthcare professionals to ensure excellent, sustainable care. The CF Trust focuses its work on increasing the length of life for those with CF, Improving quality of life for those with CF and their families, increasing capacity of CF research and clinical care and Expanding awareness of CF and its impact on individuals and families.

Dave Ford, director at The Charlbury Group said:

"I can't believe that I've been talked into another ridiculous challenge but it's for a fantastic cause. We're not completely unprepared as we actually have a tent although we've yet to try to put it up. What could possibly go wrong?"

Staff at the Charlbury group have unkindly nicknamed the trip "three get lost in the lakes" and fear the three may never be seen again.

If anyone would like to donate to this cause the group has set up the following page:

The Charlbury Group launch new Field Agent System

The Charlbury Group today unveiled its new Field Agent System that allows lenders to distribute instructions to field agent firms and receive reports and supplier performance electronically.

The system connects Lenders with their panel of field agents meaning a single integration allows them to instruct multiple firms through a secure allocation process.

Connecting via a central system supports the quick and efficient flow of instructions and returns independent management information upon which lenders can use to evaluate supplier performance.

In addition to a more modern look and feel there are some significant functionality improvements with increased case search options to enable specific case queries to be accessed quickly.

Navigation around the system has also been improved with new menu options and the system has been optimized to load search results even faster and more efficiently.

One of the central facets of the system is the provision of independent and aggregated management information. The new system offers lender specific Management Information reporting suites to fit individual polices and requirements and ensures that those managing the process can retain tight controls over service level agreements.

David Ford, director at The Charlbury Group said "It is essential that a system evolves to meet the ongoing needs of customers. Although some of the changes to the system are visual we have instigated a range of enhancements following consultation with our customers. Individual lenders have specific process and information needs and we have incorporated a host of these in this release."

Charlbury Group research shows Northern England bearing the brunt of UK repossessions

Latest research from the Charlbury Group reveals the regional split in repossessions across the UK for the first quarter of 2014.

Using aggregated data from the Arrears Management System, which lenders use to instruct suppliers in the arrears process, the split per region can be seen as a percentage of overall arrears figures.

Northern England accounts for over a third (36%) of repossessions across the UK with the next highest region, Wales and West Midlands representing 15%.

Closely behind in third spot is East Midland and East Anglia which accounts for 12% of all repossessed prospering during Q1 2014.

Faring slightly better are Scotland and the South East which each represent 10% of all repossessions.

The percentage of repossessions in London and Northern Ireland are 7% and 6% respectively. It is the South West that takes the smallest share with just 4% of repossessions happening in that region.

Dave Ford, director at The Charlbury Group said "This data will support what many have suspected in terms of the worst affected regions of the UK for arrears and repossessions.

"Lender forbearance, low interest rates and significant commitment to treating customers fairly from everyone in arrears process means that overall repossession numbers are below expectations but, based on this data, Northern England is taking more than its fair share.

"This type of independent and aggregated management information acts as tool for lenders both as a part of their overall arrears strategy and also new lending decisions as they can adopt best practice on a region basis if relevant."

Northern Irish firm Niche sign up to the Charlbury Group system

Niche Financial Solutions, a specialised Arrears Management business based in Northern Ireland and focussed solely on Northern Ireland customers is the latest firm to sign up to the Arrears Management System from the Charlbury Group.

Niche enhance the collections strategy of lenders and they are used exclusively in Northern Ireland by their clients. They engage with customers who are more than 50 days in arrears via their team of experts and have full and comprehensive coverage of Northern Ireland.

The Arrears Management System acts as a central hub connecting lenders with a variety of suppliers used within the arrears management process including asset managers, solicitors and field agent firms.

Connecting via a central system supports the quick and efficient flow of instructions and returns independent management information upon which lenders can evaluate supplier performance.

Ronan McCaughley from Niche Financial Solutions said;
"Our ability to help borrowers in arrears is often driven by how quickly we can make contact to understand their individual circumstances and the challenges they face. The Arrears Management System is an efficient way for us to receive instructions from lenders and also provides us with a quick and easy way to return reports and management information. Additionally, by connecting just once to AMS means that any of the many lenders already on their system have the facility to send jobs to us."

David Ford, director at The Charlbury Group said:
"Niche are the first dedicated Northern Ireland based firm that have joined AMS and we are delighted to be working with them. They are well known for their efficiency and know that the efficient flow of data is essential in the arrears process. Now, by connecting to AMS, will allow Niche to receive and return data with lenders even more efficiently"

Sales of repossessed homes exceeding expectations

Repossessed homes are matching or exceeding valuation expectations across the UK reports The Charlbury Group.

Aggregated data from the Arrears Management System, which lenders use to instruct suppliers in the arrears process, monitors the prices that repossessed houses are achieving in comparison with the estimated valuation.

London and the South East show the greatest sales success with repossessed houses selling for 10% and 7% more than the estimated valuation respectively.

In second place is the East Midlands and East Anglia where properties sell for 5% more than the estimated value.

Northern Ireland and Northern England both boast increases with valuations being exceeded by 2% in Northern Ireland, and 3% in Northern England. Estimated valuations are matched perfectly in Wales and the West Midlands and South West England.

Although Scotland looks to bucking the positive trend, their process is different to that of the rest of the UK and so comparisons should not necessarily be made between north and south of the border.

Dave Ford, director at The Charlbury Group said "This data shows that the housing market remains robust across the UK with repossessed houses selling for an average of 5% more across the UK as a whole. Estimated prices seem very accurate and the increase in prices achieved shows how successful the work of asset managers and estate agents is to ensure that lenders and borrowers receive the best price for a repossessed property. This data when looked at in conjunction with other regional statistics, such as the time it takes to sell properties, can really help lenders develop a sophisticated arrears strategy."

Time taken to sell repossessed houses revealed by TCG

The Charlbury group has revealed a regional disparity in how long it takes repossessed houses to sell.

The firm which runs the Arrears Management System which lenders use to instruct suppliers in the arrears process has revealed that repossessed houses in Wales and the West midlands take almost twice as long to sell as those in the south east.

Properties in the South East sell the fastest, taking an average 125 days.

Scotland is in second place with sales taking 126 days and East Midlands and East Anglia combined in third place (128 days).

Northern Ireland (132 days), and Wales and the West Midlands (141 days) follow but it is in the South West and North where you'll be waiting longest with 156 and 168 days respectively.

Dave Ford, director at The Charlbury Group said "This information provides an interesting snapshot of the regional variation in selling repossessed properties. This type of information provides lenders with a realistic expectation of timeframes and can help craft regional arrears strategies and manage the expectations of everyone in the process.

Big data holds the key to arrears strategies says the Charlbury Group

Technology arrears specialists the Charlbury Group claim that the lending sector now has the ability to use big data to develop specialised arrears strategies. The use of big data in other sectors is already prevalent with supermarkets using big data to drive product innovation and the NHS is looking at using big data to personalise healthcare for every patient.

Lenders use AMS to distribute instructions to field agents, litigation solicitors, contractors and asset manages and receive in return reports and independent management information. The Charlbury Group now have 5 years' worth of arrears data processed through their Arrears Management System [AMS] where meaningful management information can be accessed.

Lenders can now look at the journey that different people take on the arrears process and evaluate the success or failure of remedial actions. This could feasibly allow lenders to structure a specific arrears strategy based on hard data and proven results or at the very least be able to predict which factors might influence a particular outcome.

Cases can be tracked from the instruction of a field agent, through the litigation process to the property being taken into possession. AMS can then follow the chain of events to the eventual sale of the property taking into account a myriad of factors such as the time to sell and the sale price versus the asking price. Additionally, because this data can be view on a regional basis a more educated opinion on the possible outcome can be formed with a high quality of expectation of how quickly a sale might be made.

David Ford, director at The Charlbury Group said:

"It's exciting to consider how you could look at the circumstances of a mortgage in arrears and be able to predict with a certain level of confidence the likely outcome. We now have 5 years of arrears data that has been processed through our arrears management system logging dozens of milestones through the various stages of the arrears process. We can now provide lenders with the opportunity to make more informed choices though the use of data captured within AMS."

TCG Directors help raise 40,000 for children's hospice

A team of housing industry professionals and friends including three Charlbury Group directors have successfully completed a gruelling five day charity event to raise 40,000 for the Shooting Star CHASE children's hospice service.

TCG News Item

NCI Integrate To The Charlbury Group System

NCI, providers of specialised field services to banks, building societies, lending institutions and solicitors is the latest firm to integrate to the Arrears Management System from the Charlbury Group.

TCG News Item

Vibrant Energy Matters Launches New V-Live System Built By The Charlbury Group

Vibrant Energy Matters, the UK’s leading specialist supplier of Energy Assessments to the public and private sectors has launched a new web-based case management system to administer instructions to their nation-wide network of field agents. 

TCG News Item

Lapithus Servicing LLP Selects The Charlbury Group's Arrears Management System

Lapithus Servicing LLP today announced that it has selected the Arrears Management System built and run by The Charlbury Group to manage suppliers in the arrears process.

TCG News Item