·All obligations' proposed figures can be overridden in order to create a customised solve.

ØOverriding all obligations' proposed figures will also lock the client's affordability on the new solve amount.

ØIn order to save the client's proposal with this new locked affordability, simply adjust the client's budget in order to match the locked figure.

·Whether or not a solve is found or whether the user simply wishes to customise the proposal it can be done while the proposal status is on "Create"

·Customising the proposal includes the following:

ØOverriding of the proposed Instalment and/or Interest Rate either

ØManually

OR:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            

ØBy use of the "Use Account Type Formula" feature.

ØThe "Search For A Solve" feature can also be used to expedite multiple changes, a Universal Rule solve can also be found using this feature.

ØThe search for solve feature will also lock the client's affordability on the new solve amount.

ØIn order to save the client's proposal with this new locked affordability, simply adjust the client's budget in order to match the locked figure.

·Customising a proposed figure affects the proposal as a whole and therefore a customised proposal cannot be compared with the DCRS central system and no ID will be received.

·Once all desired changes have been made and/or a solve has been found the proposal status can be changed to provisional in order to send the proposal out to the creditors.

·The proposal can be countered while the proposal status is on "Provisional and Final "

·Countering the proposal includes the following:

ØOverriding of the proposed Instalment and or Interest Rate manually.

ØCountering a proposed figure affects only the overridden obligation and an adjustment to the client's affordability is made in order to compensate for this without impacting the other obligations.

ØIn order to save the client's proposal with this new locked affordability, simply adjust the client's budget in order to match the locked figure.

·The user will only be allowed to make changes to the proposal within 90 days of the oldest COB date, thereafter a Proposal Reviewal must be inserted in order to make changes to the proposal.