Sometimes we follow all the usual steps (before legal action) without success. At that point we’ll discuss the situation with you and explain what options are available. If you decide to stop the collection activity at that point, we’ll close the case. Alternatively, you might want to take legal action. If it’s appropriate, we’ll let you know the chances of success, how long it could take and what it might cost so that you can decide whether to proceed. At this stage, a benefit of being credit insured with us is that we will also start assessing a claim under your policy.