After receiving the reminder, we followed the explanation "if you have settled the obligations, consider the reminder as irrelevant", we had settled the obligations to which the reminder referred and did not react. Given that Furs has an overview of our payments, where it can establish that we have NEVER been debtors, we could have been alerted to the recovery action taken by SKB. And this in this very year, when we are struggling to survive and it is not palatable that we are paying enormous recovery costs to the bank.