CM October 2020
The CICM magazine for credit consumer and commercial credit professionals
The CICM magazine for credit consumer and commercial credit professionals
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9<br />
FALSE DAWNS<br />
Sue Chapple<br />
FCI<strong>CM</strong><br />
CI<strong>CM</strong> GOVERNANCE<br />
View our digital version online at www.cicm.com. Log on to the Members’<br />
area, and click on the tab labelled ‘Credit Management magazine’<br />
Credit Management is distributed to the entire UK and international CI<strong>CM</strong><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 Credit Management. The Editor reserves the right to<br />
abbreviate letters if necessary. The Institute is registered as a charity. The mark ‘Credit Management’ is a registered<br />
trade mark of the Chartered Institute of Credit Management.<br />
Any articles published relating to English law will differ from laws in Scotland and Wales.<br />
16<br />
PICTURE PERFECT<br />
Aneesh Varma<br />
21<br />
LEGALLY SPEAKING<br />
Karen Savage<br />
18<br />
GROWING PAINS<br />
Markus Kuger<br />
President Stephen Baister FCI<strong>CM</strong> / Chief Executive Sue Chapple FCI<strong>CM</strong><br />
Executive Board: Chair Debbie Nolan FCI<strong>CM</strong>(Grad) – Vice Chair Phil Rice FCI<strong>CM</strong> /Treasurer Glen Bullivant FCI<strong>CM</strong><br />
Larry Coltman FCI<strong>CM</strong> / Victoria Herd FCI<strong>CM</strong>(Grad) / Philip Holbrough MCI<strong>CM</strong><br />
Advisory Council: Sarah Aldridge FCI<strong>CM</strong> / Laurie Beagle FCI<strong>CM</strong> / Glen Bullivant FCI<strong>CM</strong> / Alan Church FCI<strong>CM</strong>(Grad)<br />
Brendan Clarkson FCI<strong>CM</strong> / Larry Coltman FCI<strong>CM</strong> / Niall Cooter FCI<strong>CM</strong> / Peter Gent FCI<strong>CM</strong>(Grad) / Victoria Herd FCI<strong>CM</strong>(Grad)<br />
Philip Holbrough MCI<strong>CM</strong> / Neil Jinks FCI<strong>CM</strong> / Nick King FCI<strong>CM</strong> / Charles Mayhew FCI<strong>CM</strong> / Debbie Nolan FCI<strong>CM</strong>(Grad)<br />
Bryony Pettifor FCI<strong>CM</strong>(Grad)/ Allan Poole MCI<strong>CM</strong> / Alice Purdy MCI<strong>CM</strong>(Grad) / Matthew Roberts MCI<strong>CM</strong> / Phil Rice FCI<strong>CM</strong><br />
Chris Sanders FCI<strong>CM</strong> / Stephen Thomson FCI<strong>CM</strong> / Atul Vadher FCI<strong>CM</strong>(Grad)<br />
OCTOBER <strong>2020</strong><br />
www.cicm.com<br />
CONTENTS<br />
9 – False Dawns?<br />
What does ‘normal’ look like in the<br />
months ahead?<br />
10 – Fire Hazard<br />
Will we see an end to pre-packs and the<br />
Pre-Pack Pool?<br />
12 – Welcome Home?<br />
CIVEA members are helping local<br />
authorities to recover vital cash.<br />
16 – Picture Perfect<br />
The impact of COVID-19 on future credit<br />
reports.<br />
18 – Growing Pains<br />
It’s an anxious time for farming. Markus<br />
Kuger of D&B explores the sector’s<br />
future.<br />
21 – Legally Speaking<br />
Sean Feast FCI<strong>CM</strong> talks commercial<br />
collections to Karen Savage of Azzurro<br />
Law.<br />
24 – Mind your Language<br />
Poland is a great place to do business,<br />
but the language can be a barrier.<br />
29 – Open all Hours?<br />
Karen Young wonders what is next for<br />
the workplace.<br />
32 – Executive Board<br />
Sean Feast FCI<strong>CM</strong> profiles the CI<strong>CM</strong>’s<br />
new Executive Board.<br />
37 – Ship to Shore<br />
Does off-shoring AR work in a<br />
pandemic?<br />
38 – Calm before the Storm<br />
How the payment landscape has<br />
changed since lockdown.<br />
Publisher<br />
Chartered Institute of Credit Management<br />
The Water Mill, Station Road, South Luffenham<br />
OAKHAM, LE15 8NB<br />
Telephone: 01780 722900<br />
Email: editorial@cicm.com<br />
Website: www.cicm.com<br />
<strong>CM</strong>M: www.creditmanagement.org.uk<br />
Managing Editor<br />
Sean Feast FCI<strong>CM</strong><br />
Deputy Editor<br />
Iona Yadallee<br />
Art Editor<br />
Andrew Morris<br />
Telephone: 01780 722910<br />
Email: andrew.morris@cicm.com<br />
Editorial Team<br />
Rob Howard and Imogen Hart<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>2020</strong> subscriptions<br />
UK: £112 per annum<br />
International: £145 per annum<br />
Single copies: £12.50<br />
ISSN 0265-2099<br />
Advancing the credit profession / www.cicm.com / <strong>October</strong> <strong>2020</strong> / PAGE 3
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