A real-world example
Charlie receives a “Hello” letter from a debt collection agency
Initial correspondence invites him to set up an online account having transferred his debt from the original creditor, with repeated follow-ups if he doesn’t respond.
Charlie follows the link or QR code to set up a personal online account
Using his mobile phone, he can scan the QR code to get redirected to a personalised landing page.
The account is verified by email with a link to the income and expenditure form
Having verified the email address by clicking the unique link, he can enter his current earnings and expenditure.
Charlie clicks the link and completes the online form, adding payment details
Having submitted income and expenditure figures, he can now select his preferred monthly repayment amount and term.
Confirmation is sent by email with the agreed monthly payment plan
Once confirmed online, an email is sent with his electronically signed agreement followed by a paper copy in the post.