2. Payment behaviour

Late payment

 Has your customer taken advantage of the full credit lines you granted?  Has your customer, recently or repeatedly, failed to pay on due dates?  Do you need to constantly remind your customer to pay?  Have you found it difficult to contact your customer regarding their outstanding invoices (i.e. phone calls are not picked up, or emails are not answered)?  Have your customer's accounts payable staff declined to go into details of why payments are late?  Have your customer's accounts payable staff left the company?  Has your customer not been able to indicate when they can pay their outstanding invoices?  Has your customer asked you to extend payment terms or discuss new payment arrangements?  Has your customer offered bills of exchange when their invoices become overdue?  Has your customer offered cash payment for upcoming orders in exchange for you stopping dunning them for the outstanding invoices so far?  Has your customer kept breaking payment promises because they have to pay other suppliers?  Has your customer requested a moratorium on payment?  Has your customer told you that payments are delayed until they get a new loan?

Payment problems

 Have your customer's cheques been returned unpaid or bills of exchanged been dishonoured?  Were there insufficient funds in your customer's account when debited?  Has unwarranted rescission of direct debit authorisation occurred?  Has your customer suddenly changed their bank?  Has your customer started to lie about payments?