Chartered Institute of Credit Management LMS

Technology leads the way.  Daniel Proctor, Chief Technology Officer, Henry Howard Finance and HH Vendor Finance explains how advancing technology is changing the lease and hire purchase landscape ARTICLE November 2015

Holding pattern.  Long awaited authorisation is here but how is the Financial Conduct Authority (FCA) handling the process?  Heather Greig-Smith finds that experiences are mixed and some firms have been left wondering when they will hear from air traffic control (England) ARTICLE November 2015

Doing more with less.  Sean Feast, Editor of Credit Management looks at the latest figures from the Credit Services Association (CSA) relating to the volumes and value of commercial debt and uncovers a surprising fact (England) ARTICLE November 2015

Bring out the hero in you!  Steve Richardson, Commercial Director, Rimilia attempts to debunk the myths of buying software and gives his advice to getting the best solution ARTICLE November 2015

Opening new doors.  John Ricketts, Vice President of the Credit Services Association, welcomes the entrepreneurial spirit of doorstep collectors ARTICLE November 2015

Same old, same old.  Jason Braidwood , Head of Sales Ledger Consultancy at Creditsafe Business Solutions analyses the latest monthly business to business payment performance statistics ARTICLE November 2015

Consumer credit roundup.  Amanda Hulme, Partner,  Addleshaw Goddard LLP gives an overview of all the goings on in the world of consumer credit ARTICLE November 2015

What now for employment law?  With the Conservative government five months into its term, employment lawyer Gareth Edwards, Partner, Veale, Wasbrough Vizards, details some of the key areas of likely change in employment law and assesses what impact the changes will have upon employers in 2015 and beyond ARTICLE November 2015

Services sector drives business confidence.  Sean Feast, Editor of Credit Management interviews Sebastian Cloutet, Marketing Director at Tinubu Square who is concerned that companies are eyeing expansion due to continued success of the UK economy, when there are signs that a third do not have full visibility of the credit risk they are exposed ARTICLE October 2015

Virtual (Un)Happiness.  Charles Wilson, Chairman at Lovetts reports that Solicitors are not happy about losing control of personal data ARTICLE October 2015

New personal insolvency rules.  Emma Emery, Partner at Freeths explains the changes to the Insolvency Rules that are due to come into force on 1 October 2015 (England) ARTICLE October 2015

Counting the cards. Adam Bernstein looks into the effect that new regulations for card payments will have on service providers ARTICLE October 2015

Personal asset.  Sean Feast, Editor of Credit Management, speaks to Jeff Longhurst about the need for greater 'professionalism' of the Asset Based Finance industry ARTICLE October 2015

Coming of age.  The stigmas of the past and the technology of the future - what's next for invoice finance ponders Mike Boswell,  Sales Director, Lloyds Bank Commercial Finance ARTICLE October 2015

Challenging times.  Simon Carter, Director of Touch Financial says that banks must respond to Fintech challenge ARTICLE October 2015

Evolve-or die.  Chirang Shah, Chief Executive of Nucleus Commercial Finance, says that the invoice finance sector is changing for the better ARTICLE October 2015

Ask the experts. What sort of businesses use factoring and invoice discounting and why?  David Thornley, Group Credit Controller at Fort Vale Engineering, provides the answers and suggests there is no substitute for best-practice credit management ARTICLE October 2015

Crystal ball gazing.  Richard Pepler looks at the growth of the alternative funding market and makes some predictions on what the future holds for this fast growing sector ARTICLE October 2015

What a depressing washed out summer.  Jason Braidwood, Head of Credit and Collections at Creditsafe Group analyses the latest monthly business to business payment performance statistics ARTICLE October 2015

No bulls left in the China shop ARTICLE October 2015

A golden pyrrhic victory.  The renunciation of a contract may be accepted, but it can result in unforeseen consequences.  Peter Walker, looks at a recent case decided in the Supreme Court, which considered the validity of an arbitration award worth over $3 million (England) ARTICLE October 2015

The dragon slayer.  Derek "the dragon slayer" Scott, takes us back to when he fought off bad payment terms in a manner similar to when George slayed the dragon.  Well, sort of ARTICLE October 2015

Social media - be careful what you post.  Gareth Edwards, Partner in the employment team at Weale Wasbrough Vizards, looks at cases of inappropriate social media posts, agency workers and job ads and illegal workers ARTICLE October 2015

Is your training good enough? ARTICLE October 2015

Civil litigation costs in insolvency.  David Kerr MCICM, Chief Executive of the Insolvency Practitioners Association (IPA) (England) ARTICLE September 2015

Talking good sense.  Nick Cherry, Managing Director, Phillips & Cohen Associates (UK) reports that speech analytics have come a long way in a comparatively short space of time.  Credit Management sought the views of three industry experts to learn more about how speech analytics is improving customer interaction ARTICLE September 2015

Jour-J for judgments.  In the concluding part of his article, Pierre Haincourt MCICM, International Debt Recovery Specialist considers Regulation (EU) No 1215/2012 of the European parliament and of the Council of  12 December 2012, and why it may be good news for enforcing judgments against European debtors ARTICLE September 2015

On fertile ground.  Sean Feast, Editor, Credit Management, chats to Charles Tilley to find there has never been a better time to be a management accountant ARTICLE September 2015

What to do if a debtor dies.  Emma Emery is a Partner at Freeths.  In this months legal matters, Michael Locke of Begbies Traylor, who deal in business rescue and recovery discusses the best steps to take if a debtor dies (England) ARTICLE September 2015

Debt down under.  Leigh Berkley, President of the Credit Services Association, compares the Australian collections industry and our own, and draws some interesting conclusions ARTICLE September 2015

Carousel fraud.  Peter Walker highlights a case where the judges of the Supreme Court outsmarted the miscreants (England) ARTICLE September 2015

Big is beautiful.  Sebastian Clouet, Marketing Director, Tinubu Square says that credit managers need to be given the right tools for the responsible job they do ARTICLE September 2015

Beating the wrong drum.  David Knowles, Marketing Director of Creditsafe discusses the impact of politicians' rhetoric on credit relations ARTICLE September 2015

The good, the bad and the ugly.  Jeremy Sutcliffe poses three key questions around personal insolvency and offers some insight into what is working presently and what might be a better approach (England) ARTICLE September 2015

Employee monitoring, what are the legal issues?  Gareth Edwards, Partner in the employment team at Weale Wasbrough Vizards looks at theories of Big Brother in the workplace (England) ARTICLE September 2015

Storm clouds gathering.  Jason Braidwood, Head of Sales Ledger Consultancy at Creditsafe Business Solutions analyses the latest monthly business to business payment performance statistics (England) ARTICLE September 2015

Personal insolvency.  Another unknown is the number of unrecorded debt management plans, and the impact of 'breathing space' deals to assist those in most difficulty.  There are many individuals on the brink of insolvency but not yet in need of formal solutions (England) ARTICLE July/August 2015

The ring master.  Sean Feast meets Ian Fitz-Harris, Co-Founder of URICA.  Banks say that they are supporting SMEs with lending but one of the biggest problems is that all of their solutions involve a business taking on more debt that they do not actually want (England) ARTICLE July/August 2015

Mapping out the future.  CICM Chair, Bryony Pettifor highlights many of the CICM's current education activities ARTICLE July/August 2015

Balancing act.  David Fisher MCICM (Grad), Global Oil Credit Manager and Head of Trade Finance London at Shell Trading & Supply considers the role of credit managers in maximising the risk and reward ARTICLE July/August 2015

Beating down unfair terms.  Amanda Hulme and Rosanna Bryant conclude their look at the recent changes to the Consumer Rights Act (Consumer) ARTICLE July/August 2015

How to correct a genuine mistake.  Emma Emery is a partner at Freeths.  In this month's Legal Matters we give you an overview of how to recover Overpayment of Wages to employees (England) ARTICLE July/August 2015

I'll be back.  Stuart Hopewell, discusses credit and the rise of the Machines (with apologies to Arnie) ARTICLE July/August 2015

Darling buds of May.  Jason Braidwood, Head of Credit and Collections at Creditsafe Business Solutions analyses the latest monthly business to business payment performance statistics (England) ARTICLE July/August 2015

Quit complaining.  Nicky Wacey looks at the latest complaints figures within the consumer credit sector and suggest that all is not quite what it seems.  With additional reporting by Sean Feast (England) ARTICLE July/August 2015

An objective process for dealing with complaints.  Adam, Wonnacott, Sales Director, Burlington Group, advises on dealing with complaints ARTICLE July/August 2015

Jour-J for Judgments.  Pierre Haincourt considers Regulation (EU) No 1215/2012 of the European Parliament and the Council of 12 December 2012, and why it may be good news for enforcing judgments against European debtors ARTICLE July/August 2015

Theme music.  Gillian Tiplady  the Regulatory and Corporate Council for the Credit Services Association (CSA) looks at current and future regulatory themes in the wake of the publication of the Financial Conduct Authority (FCA) Business Plan ARTICLE July/August 2015

Record high for CICM UK Credit Managers' index.  The manufacturing sector is driving business confidence and the outlook for growth, according to a new quarterly barometer ARTICLE June 2015

Pre-pack Pool.  David Kerr MCICM is the Chief Executive of the Insolvency Practitioners Association (IPA) reports on what creditors can expect to see as a result of the pre-pack pool and new Statement of Insolvency Practice (SIP) 16. (England) ARTICLE June 2015

Show me the call quality.  Heather Greig-Smith examines the changing world of remuneration and reward in the post-FCA collections industry, and finds that cash is no longer king ARTICLE June 2015

Better connected.  Peter Kwakernaak looks into the tangible benefits that T-Mobile has seen from using email technology to enhance credit management ARTICLE June 2015

The litigation cash cow.  Jeremy Sutcliffe analyses the 2014 court statistics which show a 12.5 percent increase in claims (England) ARTICLE June 2015

A new framework.  In the first of a two part feature.  Amanda Hulme and Rosanna Bryant, Partners at Addleshaw Goddard LLP examine what the Consumer Rights Act means for the financial services sector in terms of the purchase of goods, services and digital content (England) ARTICLE June 2015

The robots are coming.  Steve Richardson, Director/Owner of Rimilia looks at the benefits of Robotic Process Automation in credit management ARTICLE June 2015

Action to prevent customer fraud.  Emma Emery is a partner at Freeths.  Last year fraud losses to SME's were estimated at £18.9 billion (data from Experian and Action Fraud).  In this month's Legal Matters we will talk through some simple tips you can take to help protect your business against customer fraud ARTICLE June 2015

Brighter future.  Jason Braidwood FCICM (Grad), Head of Credit & Collections, Creditsafe Group analyses the latest monthly business-to-business payment performance statistics (England) ARTICLE June 2015

Return to sender.  It is difficult enough to get payment under a letter of credit - the paperwork can be intimidating - but allegations of fraud can be the last straw.  Peter Walker, reviews a recent case where Privy Council judges explained the rules, perhaps to the relief of credit managers ARTICLE June 2015

Destiny's child.  Vicky Bailey, Dellphinus says that taking responsibility for your own actions is the route to being the master of your own destiny (England) ARTICLE June 2015

Collective redundancy.  Gareth Edwards, Partner in the employment team, Veale Wasbrough Vizards.  The employment tribunal agreed with the union - there had been a failure to collectively inform and consult, but only at stores with 20 or more employees.  As each particular store was an establishment in its own right, the obligation to collectively consult had not been triggered at those stores that employed under 20 employees ARTICLE June 2015

Swinging the pendulum to strike the right balance.  Cliff Poole, Managing Director, UK Search Ltd and CICM Trainer explains the new way to train consumer collections teams ARTICLE June 2015

Listen to your customers.  Talking good sense.  Louise Schofield, Director of Operations at Robinson Way, discusses how Behavioural Economics are being deployed to increase customer response rates and enhance Treating Customers Fairly (TCF) ARTICLE May 2015

Practitioner fees.  This article summarises likely requirements in an Insolvency Practitioner's (IP) Estimate so that creditors can have a more complete picture (England) ARTICLE May 2015

A beauty and the geek.  Sean Feast, Editor of Credit Management, caught up with Steven Renwick, Chief Executive, Santago and learns how a family experience with late payment inspired a new credit management innovation ARTICLE May 2015

Shadow boxing.  Chris Sanders, Head of CICMQ Accreditation, looks at how credit control and credit managers are helping to set the business agenda ARTICLE May 2015

Talking nonsense.  Sean Feast, Editor of Credit Management, investigates the unnecessary use of 'business speak' in the workplace and the lost art of keeping it simple ARTICLE May 2015

Questions of disclosure.  Nikki Worden, Partner, Addleshaw Goddard examines the tricky issue of commissions and how lenders may be wise to disclose commissions themselves ARTICLE May 2015

A helping hand.  In the first in a new series, Sean Feast, Editor of Credit Management, asks some of the UK's leading consumer collections agencies to 'make their case' in how they manage vulnerable customers in the wake of a recent Financial Conduct Authority (FCA) report (England) ARTICLE May 2015

Ask the experts.  Our expert this month Carol Hughes, Managing Director of Daniels Silverman Ltd, considers the options.  Question:  Given the recent increases in court fees, what alternatives are available to credit managers? (England) ARTICLE May 2015

Taking risks.  Brett Rutland and Mark Baker use a recent case study to provide advice for businesses challenged by managing risk in new and emerging markets overseas ARTICLE May 2015

Beware the ideas of March.  Jason Braidwood, Head of Sales Ledger Consultancy at Creditsafe Business Solutions, analyses the latest monthly business-to-business payment performance statistics (England) ARTICLE May 2015

Antidote.  Day of reckoning.  Graeme Young, Partner, and Ruth Derruau, Lawyer at CMS Cameron McKenna LLP explore the remedies package set out by the Competition and Markets Authority (CMA) for the Payday Lending Market, and wonder to what extent consumers may be impacted (England) ARTICLE May 2015

Indirect age discrimination.  Gareth Edwards, Partner in the employment team at Veal Wasbrough advises on age discrimination ARTICLE May 2015

Resurrection squad.  Great credit teams are formed of great individuals working together, as Derek Scott looks back over his career ARTICLE May 2015

New changes affecting costs of recoveries (England) ARTICLE May 2015

End of term report.  David Kerr MCICM, Chief Executive of the Insolvency Practitioners Association (IPA) reports on the Insolvency Service Annual report and discusses the potential impact of regulatory change (England) ARTICLE April 2015

The singing detective.  Sean Feast, Editor, Gravity caught up with the outgoing President of R3 and reflects upon a busy time for the insolvency profession ARTICLE April 2015

In the driving seat.  Ian Selby, Risk Underwriting Manager, Nexus CIFS.  An individual company may wish to set up an SPV to separate a project from their day to day business.  The partners for a Joint Venture may wish to set up an SPV to be able to clearly allocate costs and benefits between the partners ARTICLE April 2015

Expecting the unexpected.  Sean Feast, Editor, Credit Management, seeks the views of the major players in the credit insurance industry in the wake of recent business failures ARTICLE April 2015

Holding a grudge.  Andy Moylan, Managing Director, EFCIS Trade credit insurance brokers looks at how credit insurance can move from a grudge purchase to a business builder ARTICLE April 2015

The DNA of a credit manager.  Karen Young, Director, Hays Accountancy & Finance, UK looks at what it takes to be a successful credit manager ARTICLE April 2015

Follow my leader.  In the second of a new series, Vicky Bailey of Delphinus tms considers the benefits of being a proactive and reactive leader and which style is more effective ARTICLE April 2015

House rules.  Rosanna Bryant, Partner, Addleshaw Goddard Financial Services Group, considers the treatment of mortgage customers who fall into arrears in the light of recent Financial Conduct Authority FCA findings (England) ARTICLE April 2015

On the right track.  Jason Braidwood MCICM (Grad), Head of Sales Ledger Consultancy at Creditsafe Business Solutions, analyses the latest monthly business-to-business payment performance statistics (England) ARTICLE April 2015

Manners maketh digital.  Glen Bullivant FCICM has an issue with smartphones, or rather smartphone users ARTICLE April 2015

Northern Rock's confusing loans.  Northern Rock purported to incorporate the provisions of the Consumer Credit Act 1974 into some loans, which were not strictly regulated consumer credit agreements.  Peter Walker,  reviews a recent case to see if the other borrowers could claim the same recompense (England) ARTICLE April 2015

Increasing a disciplinary sanction at the appeal stage.  Gareth Edwards, Partner, Veale Wasbrough (England) ARTICLE April 2015

CICM Corporate membership - a trump card for MBNA.  The feedback that we have had from our teams has been excellent in terms of both content and quality of the CICM trainers.  Alan North (CRS & EA) Division, MBNA ARTICLE April 2015

Talking PAP 2.  The Credit Services Association (CSA) warns of unintended consequences of proposed Pre-Action Protocol (PAP) and is urging its members to write to their constituent MPs, says Chief Executive Peter Wallwork (England) ARTICLE March 2015

The bigger picture - perceptions count.  David Kerr MCICM, Chief Executive, Insolvency Practitioners Association (IPA) (England) ARTICLE March 2015