[PHILIP HARDY]

Providing services on credit (allowing payment later) is generally considered Consumer Credit. Whilst the time allowed for payment of a clean maybe fairly ambiguous, what is  not is to increase the debt outstanding by doing further cleans and allowing the debt to grow each month. I'll be gobsmacked if anyone here has a consumer credit licence.

Got anything official/legal to support this?
Ah the Socrates reply,  Still works 3000 years later AR 

[CleanClear]

Providing services on credit (allowing payment later) is generally considered Consumer Credit. Whilst the time allowed for payment of a clean maybe fairly ambiguous, what is  not is to increase the debt outstanding by doing further cleans and allowing the debt to grow each month. I'll be gobsmacked if anyone here has a consumer credit licence.

Got anything official/legal to support this?

https://www.gov.uk/offering-credit-consumers-law

Happy Christmas  BTW

[AuRavelling79]

Providing services on credit (allowing payment later) is generally considered Consumer Credit. Whilst the time allowed for payment of a clean maybe fairly ambiguous, what is  not is to increase the debt outstanding by doing further cleans and allowing the debt to grow each month. I'll be gobsmacked if anyone here has a consumer credit licence.

Got anything official/legal to support this?

https://www.gov.uk/offering-credit-consumers-law

Happy Christmas  BTW

Without more specific details for window cleaning late payment, I'll take my chances.

And thank you. I hope you have a great day and 2025 too.

[Spruce]

Providing services on credit (allowing payment later) is generally considered Consumer Credit. Whilst the time allowed for payment of a clean maybe fairly ambiguous, what is  not is to increase the debt outstanding by doing further cleans and allowing the debt to grow each month. I'll be gobsmacked if anyone here has a consumer credit licence.

Got anything official/legal to support this?

https://www.gov.uk/offering-credit-consumers-law

Happy Christmas  BTW

"You must show you meet FCA’s minimum standards to be authorised. This includes ensuring your firm has a suitable business model and is well run by ‘fit and proper’ people."

I'm out!   

[Scottish Cleaning Service]

My MP ran up a 3 month bill but I knew he was good for it. Glad he never reported me for breaking the consumer credit rules so it was a win win situation. 😴

[Spruce]

Another about turn from Dazmond😆
Just last week you were saying you don’t understand why people are getting so angry with Scottish, now you want to block him😂

It's gone well beyond the odd add on job and suchlike.the guy is worse than NWH.at least he was genuinely funny sometimes!🤣👍

Was he banned from the other forum? as I don't see him posting on there anymore thank God!

Nigel passed away about a year ago Dazmond. Mrs H was on here selling his vw transporter.

[tlwcs]

Sent out to two this morning, both paid on receipt

[Stoots]

Seems a bit desperate sending out payment reminders over christmas, and twice in 3 days 

I wont remind mine till after new year.

[KS Cleaning]

Seems a bit desperate sending out payment reminders over christmas, and twice in 3 days 

I wont remind mine till after new year.

I agree to an extent but then there’s the other side of it……seems a bit disrespectful of customers not to pay before Christmas, knowing that the window cleaner is self employed and doesn’t get holiday pay.

[Splash and dash]

Get better customers that don’t need reminding is the best bet .

[dazmond]

Another about turn from Dazmond😆
Just last week you were saying you don’t understand why people are getting so angry with Scottish, now you want to block him😂

It's gone well beyond the odd add on job and suchlike.the guy is worse than NWH.at least he was genuinely funny sometimes!🤣👍

Was he banned from the other forum? as I don't see him posting on there anymore thank God!

Nigel passed away about a year ago Dazmond. Mrs H was on here selling his vw transporter.

Yes I know. I was referring to Scottish not NWH.

[dazmond]

Seems a bit desperate sending out payment reminders over christmas, and twice in 3 days 

I wont remind mine till after new year.

I agree. I also don't like the tone of his payment reminders. I wouldn't dream of sending anything remotely like that. I keep it more aloof and professional.

I'm only owed £150 now which is very low for me. I've actually got more money in than I've actually earned this tax year due to rolling debt.

[tlwcs]

Desperate? If that’s what you think.
I’m similar in length of service and turn over to Dazmond and in that time I’ve made it my business to only have customers that value my service. The criteria is, I’m left access and paid within 7 days unless they tell me they are away or any other creditable reason. I will then chase and replace if I have to.
Communication is a 2 way street and I’m reasonable.
Current debt list is £15. (A shop front that closed for the holidays, perfectly acceptable) can screenshot that if needs be.
Running my business this way suits me and my tone. I don’t crash with mood swings because I run it how I see fit.
I posted the screen shot to see if it would be helpful to the original poster..
Anyhow, Happy new year guys.

[Jay Le Huray]

As I retired on 23rd December all my customers paid up apart from 2, one owes £15 and the other £18
and I'm sure they will both have paid by the end of this week.

If for any reason they do forget they will get a polite text message from me, this is the least I've been owed in all these years as it used to near £200 some months.

[Stoots]

Mu debt list is notmally between 500 and a grand, I'm  only owed £200 now which is super low for me. Especially since I haven't sent a payment reminder for over a week.

I think you need a balanced approach to debt collection. I've seen window cleaners who let people go 3 or 4 cleans and I've seen the opposite where they are sending reminders the next day. Both extremes imo.

I only check my account once a week and send a reminder. I don't look at it again till the following week. If you are looking every couple of days and seeing they still haven't paid you'll drve yourself mad.

As long as they pay by next clean is my moto. If they don't then they are removed from the round.

I don't bother sending reminders over Christmas because it doesn't seem right, I'm not working I wouldn't reply to people trying to contact me this time of year so wouldn't put it on them. Plus what does it matter if I get a few extra quid in this week or next it's really no issue.

Besides which after today its back to normal so message away.

Happy new year all

[NBwcs]

I have a limit of letting people get to 3 cleans then no more cleaning. It's not ideal, of course I'd much prefer to be paid promptly but looking at the big picture, in nearly 21 years, I've only had to write off approx £420, ie £20 a year and that includes customers who have sadly passed away, it's not all messers. I don't fret as much about debt as I used to, still annoying but I doubt there's many self employed occupations where they lose so little a year.

[Spruce]

I have a limit of letting people get to 3 cleans then no more cleaning. It's not ideal, of course I'd much prefer to be paid promptly but looking at the big picture, in nearly 21 years, I've only had to write off approx £420, ie £20 a year and that includes customers who have sadly passed away, it's not all messers. I don't fret as much about debt as I used to, still annoying but I doubt there's many self employed occupations where they lose so little a year.

Originally, I would start chasing outstanding debt after the second clean. I found that customers started to take advantage of this. When the credit crunch started in 2008, I revised that to one clean and stuck with it ever since.

[Slacky]

Well, fwiw, I used to feel customers who didn’t pay promptly, and I mean within a week if they were domestic, then that was rude and it would prompt a reminder from me from that point.

In all my years cleaning I’d say I could count on the fingers of one hand the number of times customers owed for more than one visit.