Question 409.— What is the best way to deal with parties who are negligent about business matters and never accept drafts in required time—who never attend to their notes when due until told on day of maturity, and frequently refuse drafts upon the most paltry pretences?

Answer.—Indulgent treatment and reasonable remonstrances never appear to effect any improvement in the business habits of such persons, and the only way to deal with them is to enforce the rules. This may, and probably will cause trouble, but it is the right thing to do, and if fair warning is given and any show of temper or discourtesy is avoided on the part of the bank, it will also prove the best thing to do.