kkelly 77;
From experience there is nothing {magical} in any credit control policy.
I would be very surprised if it contains anything that could or should be of interest to normal customrers.
As per CU Manager , I have a sneaking suspicion of arrears here.
The bottom line is that any credit policy , be it good or bad or barely exists , has very little chance (nor should it) of avoiding arrears.
As per Cu Manager;
Sorry if I mis read you.Context is important.