A very important campaign is waged every working day in numerous businesses across England and Wales. It happens as directors, partners, proprietors, managers, credit controllers and their staff try to collect the money that is owed to them or their organisations. They almost always succeed in the end, but all too often the end is much too long coming. The culture of slow payment continues to be a problem and for some it can be a life or death problem, at least in the business sense.