Council tax arrears recovery with Tovie AI

Challenge

Rising living costs and benefit changes are driving arrears up. Manual reminders and court processes slow everything down, while strict enforcement risks harming residents and the council’s reputation

Our approach

Tovie AI automates arrears recovery with clear, human-sounding voice reminders. It reaches residents early, cuts admin, and makes payment follow ups into quick, supportive conversations

Impact

Lower costs, faster recovery, fewer court cases. Teams spend less time chasing debt and more time helping people

Why council tax collection needs a more innovative approach

Across the UK, councils are facing an £8.3 billion arrears crisis, with more than 4.4 million residents behind on payments. Traditional council tax collection methods, like calls and court actions, are slow, expensive, and emotionally taxing for everyone involved

Councils must balance financial responsibility with care for their communities. But the current model of council tax debt collection is labour-intensive, unpredictable, and often ineffective in supporting vulnerable residents

The hidden costs of manual recovery

Manual recovery processes mean hours of paperwork, slow responses, and escalating costs. Typical challenges include

Mounting arrears and cash-flow uncertainty

Expensive enforcement and legal actions

Heavy administrative burden on staff

Low engagement rates and missed payments

Reputational risk when enforcement affects vulnerable households

To solve this, councils need a fair, efficient, data-driven debt collection process for council tax

Tovie AI brings automation, empathy, and intelligence to arrears management. Using conversational voice bots and automated messaging helps councils reach residents faster and more effectively

Residents receive supportive, natural-sounding reminders encouraging them to act early before debts escalate. Staff can track engagement, review flagged cases, and focus on providing real human support

Key features

Automated communication

Voice and SMS reminders at the right time

Empathetic
tone

Human-like speech that encourages response

Ethical engagement

Supportive, non-intrusive outreach

Easy
integration

Works with CRM, payment, and case systems

Smart prioritisation

Urgent cases automatically highlighted

Traditional recovery vs AI reminders

	Traditional recovery	Tovie AI reminders
Admin workload	High manual effort and paperwork	Automated reminders reduce workload by 25%
Collection costs	Expensive court and enforcement actions	Follow-up costs reduced by up to 40%
Speed	Delays due to legal processes	Instant reminders reach residents within days
Communication	Formal letters often ignored or misunderstood	Clear, consistent voice & text reminders

Tovie AI ensures every conversation is calm, transparent, and respectful

Instead of threatening notices, residents hear messages that explain next steps, offer support options, or link to payment portals

This early, empathetic contact helps prevent hardship, reduces the need for legal escalation, and strengthens trust between councils and communities

Smarter use of staff time

Automation takes over repetitive admin, giving officers time to focus on what matters most — people. Councils using Tovie AI report

25%

fewer administrative hours

Up to 40%

lower follow-up costs

Higher

resident engagement and payment rates

Tovie AI seamlessly connects to any CRM, communication channel or knowledge base

Compliance and standarts

IBM CLOUD FOR FINANCIAL SERVICES VALIDATED

GDPR-compliant

Cyber Essentials-certified

SOC 2 Type 1-certified

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Cut costs with AI reminders

Discover how Tovie AI helps councils recover more, spend less, and treat residents fairly

FAQ

How does Tovie AI improve the council tax debt collection process?

It automates early-stage communication with AI-driven voice reminders that reach residents quickly and clearly, helping prevent cases from escalating to enforcement.

Can Tovie AI handle vulnerable residents ethically?

Yes. Its language is designed to be supportive and informative, ensuring that residents understand their options and can act without fear or confusion.

What savings can councils expect?

Councils typically reduce follow-up costs by up to 40 % and admin workload by 25 %, improving engagement and recovery rates.

Is integration complex?

No. Tovie AI integrates easily with existing CRM, payment, and case-management systems, ensuring a seamless rollout.

How does it differ from traditional arrears recovery?

Traditional recovery depends on paper letters and legal escalation. Tovie AI uses proactive, faster, more explicit, and resident-friendly digital conversations.

What’s the first step to getting started?

Councils can begin by automating early-stage reminders and then expand to full recovery automation with Tovie AI’s onboarding and support team.

Council tax collection: smarter arrears recovery with Tovie AI

Challenge

Our approach

Impact

Why council tax collection needs a more innovative approach

The hidden costs of manual recovery

How Tovie AI transforms arrears recovery

Key features

Automated communication

Empathetic
tone

Ethical engagement

Easy
integration

Smart prioritisation

Traditional recovery vs AI reminders

Ethical engagement by design

Smarter use of staff time

25%

Up to 40%

Higher

Tovie AI seamlessly connects to any CRM, communication channel or knowledge base

Compliance and standarts

Cut costs with AI reminders

FAQ

Council tax collection: smarter arrears recovery with Tovie AI

Challenge

Our approach

Impact

Why council tax collection needs a more innovative approach

The hidden costs of manual recovery

How Tovie AI transforms arrears recovery

Key features

Automated communication

Empathetictone

Ethical engagement

Easyintegration

Smart prioritisation

Traditional recovery vs AI reminders

Ethical engagement by design

Smarter use of staff time

25%

Up to 40%

Higher

Tovie AI seamlessly connects to any CRM, communication channel or knowledge base

Compliance and standarts

Cut costs with AI reminders

FAQ

Call Demo

Empathetic
tone

Easy
integration