Credit Management October 2018
The CICM magazine for consumer and commercial credit professionals
The CICM magazine for consumer and commercial credit professionals
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OCTOBER <strong>2018</strong><br />
www.cicm.com<br />
12<br />
FROM THE CHAIR<br />
PETE WHITMORE<br />
22<br />
MEASURING UP<br />
CHRIS SANDERS<br />
26<br />
A DAY IN THE LIFE<br />
OF AN HCEO<br />
ANDREW WILSON<br />
CONTENTS<br />
14 – OPINION<br />
The state of the commercial debt<br />
collection sector and how to choose the<br />
right DCA.<br />
16 – TOWN AND COUNTRY<br />
Gavin Jones from Imperial College<br />
discusses credit management in the<br />
education sector, CICMQ accreditation<br />
and his love of learning.<br />
20 – OPINION<br />
The impact of mergers and acquisitions<br />
in debt collection and financial services.<br />
26 – A DAY IN THE LIFE<br />
<strong>Credit</strong> <strong>Management</strong> spent a day with<br />
three High Court Enforcement Officers<br />
from Andrew Wilson & Co.<br />
32 – COUNTRY FOCUS<br />
The second part of our feature on Spain<br />
provides insight into business entities,<br />
sectors and taxation.<br />
42 – OPINION<br />
Peter Walker recalls a tale of his visit<br />
to the Playboy Club London.<br />
50 – HR MATTERS<br />
Dress codes, the minimum wage and a<br />
contract dispute.<br />
Publisher<br />
Chartered Institute of <strong>Credit</strong> <strong>Management</strong><br />
The Water Mill, Station Road, South Luffenham<br />
OAKHAM, LE15 8NB<br />
Telephone: 01780 722910<br />
Email: editorial@cicm.com<br />
Website: www.cicm.com<br />
CMM: www.creditmanagement.org.uk<br />
CICM GOVERNANCE<br />
President Stephen Baister FCICM / Chief Executive Philip King FCICM CdipAF MBA<br />
Executive Board Pete Whitmore FCICM – Chair / Debbie Nolan FCICM(Grad) – Vice Chair<br />
Glen Bullivant FCICM – Treasurer / Larry Coltman FCICM, Victoria Herd FCICM(Grad), Bryony Pettifor FCICM(Grad)<br />
Advisory Council Sarah Aldridge FCICM(Grad) / Laurie Beagle FCICM / Kim Delaney-Bowen MCICM / Glen Bullivant FCICM<br />
Lauren Carter FCICM / Brendan Clarkson FCICM / Larry Coltman FCICM / Victoria Herd FCICM(Grad) / Philip Holbrough MCICM<br />
Laural Jefferies MCICM / Diana Keeling FCICM / Martin Kirby FCICM / Christelle Madie FCICM<br />
Julie-Anne Moody-Webster MCICM / Debbie Nolan FCICM(Grad) / Bryony Pettifor FCICM(Grad) /Allan Poole MCICM<br />
Phil Rice FCICM / Chris Sanders FCICM / Paul Taylor MCICM / Pete Whitmore FCICM.<br />
View our digital version online at www.cicm.com Log on to the Members’<br />
area, and click on the tab labelled ‘<strong>Credit</strong> <strong>Management</strong> magazine’<br />
<strong>Credit</strong> <strong>Management</strong> is distributed to the entire UK and international CICM<br />
membership, as well as additional subscribers<br />
Reproduction in whole or part is forbidden without specific permission. Opinions expressed in this magazine do<br />
not, unless stated, reflect those of the Chartered Institute of <strong>Credit</strong> <strong>Management</strong>. The Editor reserves the right to<br />
abbreviate letters if necessary. The Institute is registered as a charity. The mark ‘<strong>Credit</strong> <strong>Management</strong>’ is a registered<br />
trade mark of the Chartered Institute of <strong>Credit</strong> <strong>Management</strong>.<br />
Any articles published relating to English law will differ from laws in Scotland and Wales.<br />
Managing Editor<br />
Sean Feast<br />
Deputy Editor<br />
Alex Simmons<br />
Art Editor<br />
Andrew Morris<br />
Telephone: 01780 722910<br />
Email: andrew.morris@cicm.com<br />
Editorial Team<br />
Imogen Hart and Iona Yadallee<br />
Advertising<br />
Grace Ghattas<br />
Telephone: 020 3603 7946<br />
Email: grace@cabbell.co.uk<br />
Printers<br />
Stephens & George Print Group<br />
<strong>2018</strong> subscriptions<br />
UK: £90 per annum<br />
International: £115 per annum<br />
Single copies: £12.00<br />
ISSN 0265-2099<br />
The Recognised Standard / www.cicm.com / <strong>October</strong> <strong>2018</strong> / PAGE 3
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