"Going forward we are excited by the plans and opportunities we have to develop the system. We have made a good start in meeting government efficiency and diversity standards with IBS’ help, but we feel we can improve these further. IBS has spent time to understand our complex needs and …

"Using different reminder dates for different categories of debtor means we can target the worst offenders as early as possible. The different letter templates mean we issue a more softly worded letter to the occasional late payer which results in fewer phone calls and complaints. Running multiple reminder batches each …