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The EAO or garnishee order process has long been used by collectors to recover money due to them However, the system is also designed so that the onus is on the collector to stop the deductions when the debt is paid up. This opens the door for theft and over-charging and requires urgent intervention. We have found that on average R500 is over-deducted per garnishee order. Summit provides two solutions to overcome this problem:
The Garnishee audit, involves auditing all existing orders being deducted from a payroll. All orders are scrutinised for irregularities, challenged where necessary and reported accordingly. Each order will also receive a repayment plan in order to ensure payroll understand when to stop their deductions. The solution includes subsequently challenging vendors who deduct more than the amounts stipulated on the repayment plans.
All new orders then follow this same process going forward.
Further a call centre facility is made available for all employees to notify us where they feel that their garnishee deductions are excessive or illegitimate allowing for an interactive process.
The Garnishee outsource solution is a more comprehensive offering that is able to handle the entire EAO process for an employer. All of the employers orders are maintained on our system and uploaded periodically onto the employers payroll and bank systems.
The main purpose of the service is:
This is achieved by providing a wide spectrum of service components and systems that are geared to successfully eliminate the burdensome interaction that the payroll department has with numerous parties in the EAO process. The service includes:
- to relieve the employer of its administrative burden; and
- to protect employees from abusive garnishee practices and ensuring fair and accurate repayment of valid debts.