In the current economic situation it is improbable to be uncommon to see customers of shops that wanted to return or exchange goods, quite legally, to find themselves having to business. If the supplier had been taken down this road then it may be that exchange of goods may not be an option as the stock could have been sold off so the customer would have to add their claim to the rest of the claimants, which starts with the banks and the Inland Revenue & Customs. A private customer would be most unlikely to be experienced in Debt Collection techniques and even be aware of Debt Collection Letters and Debt Collection Software that could serve the purpose. It could be that they would meet with a solicitor as a first step, and pay for the advice, or as a better option go to the Citizens Advice Bureau, where good advice is freely given. They could be informed that they are just on the end of a long list of creditors and are unlikely to recover much of the debt, if anything at all. Their choices could be set out as; a solicitor, a Debt Collection agency or maybe, if the advisor knows about it, the DIY approach by using Debt Collection Software.

Hopefully they will be advised of the likely outlay required of each option and this alone will probably be favourable to the DIY approach, as this option could easily be between £100 to £200 and maybe less than £100 to obtain with additionally postage costs on top of that. The Debt Collection agency could cost from £1000 plus, while the solicitor could charge initial fees in the £100s range, but if they advise taking the supplier to court, then this choice could see the costs rise dramatically and could easily end in the £10,000s and beyond.

It is certainly worth going for the DIY approach to Debt Collection initially, not only because of the low cost, but also because a good package of Debt Collection Software that has a set of Debt Collection Letters should be built on the proven tenets of ethical and professional Debt Collection. This should guide the customer along the correct route and similarly record each step in the process as it is done and give the option for this to be printed in a presentable way that is acceptable to the legal profession, should it come to that. It is important that the Debt Collection Letters are presented correctly and to simplify the process the Debt Collection Software should allow a user to input the minimum amount of information, typically details of the supplier and the goods, and then generate the appropriate Debt Collection Letters as required in the right stages. The customer will then need to take care of the postage so they will incur costs for printing, envelopes and postage. They should also be able to input information, such as if a letter is received from anyone concerned or if a meeting is held and the summary of what was agreed needs to be recorded. Debt Collection Letters should have the date when they were printed recorded, but allow the user to also add a date of posting.

The idea is for the customer to be able to get their claim up to the level that they obtain over the bare minimum and if they are fortunate, the full amount.

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