The collection process is similar for all customers. Customers can pay by cash, cheque or bank transfer to the Insured. When the payment due date is reached, the credit department will contact customers by telephone to remind them to pay their debt. If any customers do not pay on the due date, the Insured's credit collection department will contact the customers to check and establish the reason for the delay in making the payment. If payment remains outstanding for another 7 days - 14 days, the collection department will report this to the Managing Director who will decide the next step i.e. whether they will stop selling goods to the customer and take a legal action or attempt to negotiate payment.