We have worked really hard to own a flat to rent out. Sadly it has really backfired because the tenants keep paying late if they pay at all and most often when they do, it is a fraction of what they owe us. The law sides with tenants and not owners which means that we are owed a bunch of money and we are stuck. I have been thinking of using a commercial collection agency but I am not sure if I can do that legally. C’est la vie Anglais!