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The solution allows Creditsafe's 28,000 customers to share insights based on actual payment experiences, highlighting bad payers and promoting best practice.
I've also faced a bad payer for some pounds 21,000, which I know is partly my own fault for allowing it reach that level, but you get trapped and it's now about trying to see what I can get back.
It also wants the public procurement process to promote best practice, assessing evidence of prompt payment via Pre-Qualifying Questionnaires (PQQs) and avoiding using businesses with over 250 employees if they are notoriously bad payers.
Its credit scoring provides a "health rating" system able to identify bad payers and risks.
Its credit scoring provides a 'health rating' system able to identify bad payers and bad risks.
Neither Fiquoy nor his sister, Jacqueline Heuls, is able to explain this anomaly, except to say that in the past some of their customers from "over the line" were bad payers.
But not everyone uses credit cards sensibly and some providers are rejecting more applicants than usual to avoid bad payers.
The obvious suspicion is that OFT intervention to reduce default charges on bad payers is backfiring - by triggering a raft of charges for consumers who previously operated cards efficiently and free of charge.