logiclee

It's sometimes not worth big firms time and effort when people go missing or have little income. They will write it off as bad debt.

Other smaller firms can buy the bad debt at say 5p per £1 and spend more time chasing down the individual for the money or excepting a smaller payment.

There are other firms about such as FieldCall who act as agents for big firms and pass on collections, repo's, bad debt to small self employed individuals and debt collecting firms.

Cheers
Lee