What we see in this sector
- Credit accounts drifting beyond terms across many invoices
- Delivery shortages and credit note claims used to defer payment
- Rebates and settlement discounts applied unilaterally
- Customers continuing to trade while arrears build
- Personal guarantees given on account opening and never revisited
How we approach it
Accounts are reconciled and segmented, undisputed balances are separated from claimed credits, and any guarantee or account-opening documentation is reviewed as part of the assessment.
Whether the account is a single invoice or a ledger of aged balances, the sequence is the same: assess the documents and the debtor, engage on a properly evidenced basis, and escalate only where it is proportionate and authorised.
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