We have examined this complaint by reference to the facts. During April 2019 the account went into default. By discussions with the director of the customer we agreed a reduced weekly payment. Those payments were not made and in early June 2019 the account director informed the customer that unless payments were made legal proceedings would commence. We therefore believe that we have acted properly and fairly throughout this matter and in accordance with our policies. As a part of our ordinary process, in which we seek to work with the customer rather than take enforcement steps, we have entered into a Tomlin Order with Mr Kumar which provides for regular monthly payments of the debt over the period of a year. The payments are based on what he has offered relative to the size of his debt and the first is due to be made today. He has complained that we are not prepared to remove a debenture over the assets of the company but it is standard lender practice to retain a charge over the company's assets when there exists a liability. Given that Mr. Kumar acknowledges his indebtedness to us we believe that we have acted in every respect to assist him rather than hinder him.
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