Keys Back Consultancy provides premium, deterministic intervention and advisory services for individuals and corporate clients facing asset finance challenges. We do not offer generic debt counselling. Instead, we perform precision audits of financial agreements and legal notices to discover procedural flaws and protect your property.

  • 1. Strategic Asset Review

    A comprehensive, technical analysis of your current finance agreements, outstanding balances, and recent legal correspondence.

    • What we do: We audit your file to identify immediate legal vulnerabilities, structural overcharges, or non-compliance by the credit provider.

    • The Outcome: A clear blueprint detailing your exact risk level and the specific legal avenues available to protect your asset.

  • 2. Property & Home Advocacy

    Dedicated, high-level intervention designed to halt foreclosure actions and keep families in their homes.

    • What we do: We scrutinise the bank’s litigation path, checking for absolute compliance with South African housing protection laws and the National Credit Act.

    • The Outcome: Identifying technical errors in the bank's process to buy you time, restructure the default, or prevent the property from proceeding to a forced public auction.

  • 3. Vehicle & Fleet Preservation

    Specialised asset defence for personal vehicles, commercial fleets, trucks, and yellow metal equipment.

    • What we do: We intervene when finance houses deploy aggressive collection agents or issue tracking orders, examining whether proper statutory notices were executed before attachment.

    • The Outcome: Halting unauthorised repossessions, protecting your operational mobility, and keeping your business or personal vehicles on the road while a formal solution is engineered.

  • 4. Credit & Interest Audit

    A deep forensic deep-dive into the historical ledger of your high-value credit accounts.

    • What we do: We recalculate compound interest, look for illegally added collection fees, and verify if old, unpaid accounts have legally prescribed (expired) under South African law.

    • The Outcome: Removing unlawful fees, challenging invalid balances, and drastically lowering the actual amount required to settle or clear the account.

  • 5. Professional Creditor Liaison

    Direct, authoritative communication with bank litigation teams and corporate credit managers.

    • What we do: We remove you from the stressful loop of collection calls. Our senior advisory team presents our audit findings directly to the decision-makers at the financial institution.

    • The Outcome: Negotiating structured, realistic out-of-court settlements and restructuring agreements based on hard facts rather than emotional pressure.