Financial services including debt collection; mercantile agents; recovery and investigation services for debts or other financial claims; collecting or requesting the payment of debts or other financial claims; repossession services; process serving; provision of advice on impaired debt; debt factoring; brokerage services relating to debt instruments; negotiation for the collection of cheques and bills of payment; financial database services; financial evaluation services; provision of consumer credit or business credit; debt restructuring; mortgage services; mortgage advice; money lending; money brokerage; account debiting services; insurance; arranging insurance; appraisals for insurance purposes; advice relating to insurance; arranging credit insurance; consultancy and advisory services relating to the aforesaid, including by electronic means; none of the foregoing being financial services relating to the renting of apartments, apartment house management, leasing or real estate management and other real estate services