Mr. Stephen Mason:

The process we go through before we get to this stage is that we try to engage with customers. We spend time writing to, phoning and texting customers. If they do not engage with us, then we move into our non-co-operation strategy. We give them 25 days to respond to that. If they do not respond to our non-co-operation strategy, we write to them telling them we will deem them non-co-operating. After that we would have to call in the debt and it is only after all that has happened that we would go into the legal process.