Credit Management November 2023
THE CICM MAGAZINE FOR CONSUMER AND COMMERCIAL CREDIT PROFESSIONALS
THE CICM MAGAZINE FOR CONSUMER AND COMMERCIAL CREDIT PROFESSIONALS
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CICM GOVERNANCE<br />
President: Stephen Baister FCICM<br />
Chief Executive: Sue Chapple FCICM<br />
Executive Board: Chair Debbie Nolan FCICM(Grad)<br />
Vice Chair: Phil Rice FCICM / Treasurer: Glen Bullivant FCICM<br />
Larry Coltman FCICM /Neil Jinks FCICM / Allan Poole MCICM<br />
26<br />
EYE OF THE<br />
BEHOLDER<br />
36<br />
COUNTRY FOCUS<br />
The Netherlands<br />
may be small but it<br />
punches above its<br />
weight.<br />
Advisory Council: Caroline Asquith-Turnbull FCICM<br />
Laurie Beagle FCICM / Glen Bullivant FCICM<br />
Brendan Clarkson FCICM / Larry Coltman FCICM<br />
Peter Gent FCICM(Grad) / Victoria Herd FCICM(Grad)<br />
Andrew Hignett MCICM(Grad) / Laural Jefferies FCICM<br />
Neil Jinks FCICM/ Martin Kirby FCICM<br />
Charles Mayhew FCICM / Hans Meijer FCICM<br />
Debbie Nolan FCICM(Grad) / Amanda Phelan MCICM(Grad)<br />
Allan Poole MCICM / Phil Rice FCICM / Phil Roberts FCICM<br />
Chris Sanders FCICM / Paula Swain FCICM<br />
Jamie Thornton MCICM / Mark Taylor MCICM<br />
Atul Vadher FCICM(Grad)<br />
View our digital version online at www.cicm.com.<br />
Log on to the Members’ area, and click on the<br />
tab labelled ‘<strong>Credit</strong> <strong>Management</strong> magazine.’<br />
<strong>Credit</strong> <strong>Management</strong> is distributed to the entire<br />
UK and international CICM membership, as well<br />
as additional subscribers<br />
Publisher<br />
Chartered Institute of <strong>Credit</strong> <strong>Management</strong><br />
1 Accent Park, Bakewell Road, Orton Southgate,<br />
Peterborough PE2 6XS<br />
Telephone: 01780 722900<br />
Email: editorial@cicm.com<br />
Website: www.cicm.com<br />
CMM: www.creditmanagement.org.uk<br />
Managing Editor: Sean Feast FCICM<br />
Deputy Editor: Iona Yadallee<br />
Art Editor: Andrew Morris<br />
Telephone: 01780 722910<br />
Email: andrew.morris@cicm.com<br />
Editorial Team<br />
Joe Clarkson, Rob Howard, Roshika Perera,<br />
Melanie York and Mona Yazdanparast<br />
Advertising<br />
Paul Heitzman<br />
Telephone: 01727 739 196<br />
Email: paul@centuryone.uk<br />
Printers<br />
Stephens & George Print Group<br />
<strong>2023</strong> subscriptions<br />
UK: £129 per annum<br />
International: £160 per annum<br />
Single copies: £13.00<br />
ISSN 0265-2099<br />
Reproduction in whole or part is forbidden without specific permission.<br />
Opinions expressed in this magazine do not, unless stated, reflect those<br />
of the Chartered Institute of <strong>Credit</strong> <strong>Management</strong>. The Editor reserves<br />
the right to abbreviate letters if necessary. The Institute is registered as a<br />
charity. The mark ‘<strong>Credit</strong> <strong>Management</strong>’ is a registered trade mark of the<br />
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 />
Brave | Curious | Resilient / www.cicm.com / <strong>November</strong> <strong>2023</strong> / PAGE 5
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