In 12.5 years we have grown from a young, innovative club that saw opportunities in online collection to a larger, experienced player in the field of No-Cure-No-Pay-collection activities. Our goal is always to keep the customer relationship as good as possible and to make the collection as smooth as possible. We do this with innovative collection processes and through personal interaction with debtors. That still has proven success, so that is always paramount! And we continue, even when things get very difficult.