FSG FORENSIC INVESTIGATORS & AUDITORS | TRACERS | RISK MANAGERS | GUARDS
SA's national litigation, corporate & government private intelligence, private/forensic investigation/auditing, loss & risk management specialists.
FSG  is a LEVEL 4  B-BBEE
Accredited Company

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SDT
CSS SERVICES
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FPT

HEAD OFFICE DETAILS
Telephone
+27 (0) 86 1000 979
Fax
+27 (0) 86 5168 722
Mobile
+27 (0) 83 7841 523
Postal Address
PO Box 17, Pavilion,
3611, South Africa
Physical Address
7 Cedar Road, Westville,
 3629, South Africa
PSIRA Reg. No.
1144490
Email Address
fohladbn@yebo.co.za


FSG has corporate offices in:
DURBAN
CAPE TOWN
JOHANNESBURG
- and field agents in every Magisterial District in SA.

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Being powerful is like being a lady. If you have to tell people that you are, then you are not.

MARGRET THATCHER

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Keep me away from the wisdom which does not cry, the philosophy which does not laugh and the greatness which does not bow before children.
Read more at http://www.brainyquote.com/quotes/authors/k/khalil_gibran_2.html#MvqmB4kA62iK1rKg.99
Keep me away from the wisdom which does not cry, the philosophy which does not laugh and the greatness which does not bow before children.
Read more at http://www.brainyquote.com/quotes/authors/k/khalil_gibran_2.html#MvqmB4kA62iK1rKg.99
Keep me away from the wisdom which does not cry, the philosophy which does not laugh and the greatness which does not bow before children.
Read more at http://www.brainyquote.com/quotes/authors/k/khalil_gibran_2.html#MvqmB4kA62iK1rKg.99

Keep me away from the wisdom that does not cry, the philosophy that does not laugh and the greatness that does not bow before children.

KHALIL GIBRAN
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THIRD PARTY TRACING ('TPT')

FSG has developed a Third Party Tracing ("TPT") service product for short-term insurers, especially the insurers of motor vehicle accident ('MVA') risks, in the event of the following:

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Mr A owns a vehicle and insures his vehicle in the event it is damaged in a MVA.

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If Mr A is involved in a MVA with another vehicle, Mr As insurer) refers to the other vehicle and its driver as the Third Party ('TP'). The default position of Mr As insurer is always that TP is responsible for the MVA. Mr As insurer will pay for repairs to Mr A's vehicle and claim the cost of these repairs from TP.

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Mr A's insurer will refer to the MVA as the loss incident.

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Mr As insurer will start the process by writing a Letter of Demand ('LOD') to TP vehicle, demanding payment of the cost of repairs. If TP does not respond to the LOD, the insurer will then instruct a service provider like FSG to trace TP.

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Sometimes, the only information Mr A's insurer ('client') has for TP is the registration number of the TP vehicle. If FSG is instructed to trace TP under these circumstances, the first task of FSG is to established the registered owner of the TP vehicle (as per the records of eNATIS), and then trace the registered owner and establish the details of the person who was driving the TP vehicle at the time of the MVA.

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The instruction to FSG from client usually includes the following::
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Trace TP and establish if the TP was also insured. If TP was insured, then all FSG must do is obtain from TP the name of TPs insurer and TPs vehicle insurance policy number. If TP also made a claim against his insurer for damages to his vehicle as a result of the MVA, then FSG must also obtain from TP (if TP is willing to reveal this information, or by contacting TPs insurer) the claim number TP's insurer allocated to the claim of TP against his own insurer.

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If, after tracing TP, TP informs FSG that he was not insured for the loss incident, FSG must establish the attitude of the TP towards the claim of client. In other words does TP consider himself totally responsible, partly responsible, or entirely not responsible for the MVA. If TP believes he was only partly responsible, FSG must ask TP to what extent he accepts responsibility for the MVA (ie. the percentage of clients claim is TP is prepared to pay).

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If TP believes he was only partly responsible or entirely not responsible for the MVA, client may then instruct FSG to perform the service described as FSG's CSS SERVICES. If TP accepts full, partial or nil responsibility for the MVA, client may instruct FSG to perform a Basic Financial Assessment Investigation ('BFAI')  on TP so that client can make an assessment whether it is worth suing TP to recover the cost of repairing Mr As vehicle, or make a determination of what monthly installment to demand from TP to settle clients claim. The scope of work of FSG's BFAI is as follows:
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Perform a multiple credit bureau search for TP to establish TPs credit history and credit-worthiness. (TP may be a natural person or an entity.)

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Regardless of whether TP is a natural or an entity (a company or a Trust), perform a search of all 10 Deeds Offices to establish whether TP owns fixed property, has an ANC registered against his name, or is a 50% shareholder in a fixed property with someone who shares his surname (which would indicate that TP may be married in COP. If fixed property ownership is established, FSG will then calculate the value of the equity of TP in such fixed property, comparing bonds registered over the fixed property with the current market value of same. (FSG uses the 'Lightstone' fixed property market valuation system, this being the industry standard tool used by the real estate industry.) 

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If TP is a natural person, perform a CIPC search to identify all companies of which TP is a member/director. If TP is an entity that is a company, perform a CIPC search to obtain the statutory details for the company and to identify its members/directors. If TP is a Trust, telephonically communicate with all 10 offices of the Master of the High Court to establish with which Office the Trust is registered (and obtain the Masters Trust registration number), to obtain the statutory details for the Trust and the contact details of its Trustees..

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Regardless of whether TP is a natural person or an entity, perform an eNATIS search to establish the number of vehicular assets of which TP is the registered owner. Establish from the eNATIS report whether the registered owner and titleholder of identified vehicles is the same and, if not, assume that such a vehicle is subject to financing and calculate the value of the registered owner's equity in all financed vehicular assets. If identified vehicles are not subject to financing, calculate the market value of such vehicular assets. 

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If TP is a natural person, establish whether TP is employed, and if employed, the nature of his employment and his income (even if only an approximation). If TP is an entity, make enquiries of creditors indicated by the company credit bureau search to obtain an indication of the type and extent of the trading activities of TP.

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If TP is a natural person and is married in COP, establish the income and expenditure and assets and liabilities of the COP spouse, as these can also be attached by client to recover the cost of repairing Mr A's vehicle. (Establishing the nature of a marital regime is not always possible from merely searching the Deeds Registries (if, for example, TP does not own fixed property and is married in COP. In this case, FSG will consult informants in the Dept of Home Affairs to establish the marital regime of TP.)

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If TP accepts partial responsibility for the MVA, and client accepts the degree of liability for which TP will accept responsibility, or if TP accepts full responsibility for the MVA, client may instruct FSG to meet with TP to perform our CSS SERVICES, ie. to serve on TP a LOD/Notice in terms of Section 129(1) of the National Credit Act, and to get TP to sign an Acknowledgement of Debt ('AOD') in terms of Sections 57/58 and 65(J) of the Magistrates Court Act, in which TP agrees to pay for the damages to Mr As car in monthly installments. (To assess the installment that TP will pay client, FSG will perform a Means Affordability Test ['MAT']. If TP is married in COP, the MAT will include the income and expenditure and assets and liabilities of the COP spouse.)

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Client may also instruct FSG to:
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Obtain copies of SAPS Accident Reports or documents from a SAPS docket established as a consequence of the MVA.

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Inspect the scene of the MVA in an effort to reconstruct what happened and who was responsible to the MVA.

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Identify, locate and depose statements from witnesses to the MVA to reconstruct the MVA to determine who was responsible to the MVA.

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When client instructs FSG, client must instruct FSG  as follows:
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Trace TP and establish TP's attitude to client's claim, or

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Trace TP and establish TP's attitude to client's claim and perform a BFAI, and/or

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Trace TP and establish TP's attitude to client's claim and perform a BFAI and perform FSG's CSS SERVICES in respect of TP, and

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Obtain copies of Accident Reports/the contents of SAPS dockets, inspect the scene and/or identify, trace and depose witnesses.

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As is the case for SDT instructions, FSG maintains abundant spare TPT capacity nationally. DBT (Desk Bound Tracers) are employed at all of FSG's branches and TFA (Tracer Field Agents) are appointed in every Magisterial District to perform CSS Services, visit MVA scenes, interview witnesses, etc. Consequently, FSG's TPT services are available everywhere in South Africa.

   
Click HERE to view our TERMS-CONDITIONS for TPT services.

Fohla Security CC t/a FSG FORENSIC INVESTIGATORS & AUDITORS | TRACERS | RISK MANAGERS | GUARDS
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