CBC INTERNATIONAL Commercial Credit Management & Consultancy

CBC International provides debt collection and ancillary services to businesses in the UK, Europe and worldwide.
We have a team of commercial debt recovery specialists offering everything from no collection no fee debt recovery worldwide to credit management consultancy, credit control training and debt dispute resolution and mediation. We can even run credit reports on potential business partners and clients to help you identify any potential financial risks. From our free of charge Client Advice Centre, right through to our fully comprehensive credit consultancy service, you will find that our emphasis is placed on creating a complete credit management and control strategy in order to achieve your objectives. Through our specialist division Debtsave Eurotrade, we provide a package of debt collection and credit management measures to UK, European and Worldwide export traders, designed to reduce the risks of conducting business on credit terms.

Debt Recovery

UK, European & Worldwide Commercial Debt Recovery Specialists - No Collection No Fee - No upfront or debt placement fees - No binding term contracts.

Debt Dispute & Mediation

Is your customer disputing payment of an account and you dont wish to be involved in protracted and costly litigation?

Business Reports and Enquiries

Would you want to know if one of your existing or potential customers is in financial difficulty? Do they have the ability to pay?

Credit Control Training

Our training can reduce exposure to slow paying customers & bad debts.

Credit Management Policies Membership Package

We can help to achieve the right balance of your credit policy. Chose a level of membership to suit you.

Company

Credit Control Outsourcing Debt Claim Legal Services

Worldwide Debt Collection Services Established in 1959, CBC International has become a specialist in the field of commercial credit consultancy, debt collection and ancillary services. We cater for a diverse range of clients, both domestically in the UK and in the global marketplace. We are properly licensed by the Office of Fair Trading, registered under Data Protection legislation and we are proud of the fact that we have achieved ISO9001/2008 Quality Assurance Accreditation for many years running. If you have any questions about your credit management policy or need debt collection services either in the UK or globally, please call 0151 515 3014 or email roycaligari@cbc-international.co.uk to discuss your requirements.

We can be your credit control department for a fixed fee. Litigation can be costly we can save you substantial fees issuing through our on-line Court system without the need for a solicitor.

Debtsave Eurotrade

A package of measures to reduce the risks of conducting business on credit terms for UK & Export traders alike.

Financial Services Recoveries

If you have unpaid commission reclaims & other IFA debit balances we can collect your money we can also recover client files from ex-Advisers.

Client Advice Centre Cash Flow Finance Credit Insurance

Why not take advantage of our FREE ADVICE centre. Do you want to expand but cant finance it from your overdraft? Could you benefit from special opportunities? We can ensure that in a worst case scenario you would recover a major percentage of your cash if your customer goes bust.

Roy Caligari MICM

Managing Director, Accredited Mediator

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 1

30/6/09 16:41:03

CBC INTERNATIONAL Commercial Credit Management & Consultancy

Debt Recovery
CBC International is well versed and highly experienced in the field of commercial debt recovery. Where your debtors refuse to pay, we will suggest legal action if we feel that this is the most appropriate way forward, after taking the financial position of the debtor into account. We will not issue legal proceedings without your prior approval and only after advising you of the possible costs. In successful actions, the debtor will have to pay most of the legal fees, together with statutory or contractual interest. Throughout our debt collection activity, we will keep you fully apprised of progress at regular intervals on a case-by-case basis.

UK Commercial Debt Placement Form

Your Details Name: Company: Address: Tel:Fax: Email: Details of the debt Please collect the following debt on our behalf Debtor Name: Your Ref No . Address: Tel:Fax: Email: Type Of Approach: Goodwill or Hardine

UK Commercial Debt Recovery Package from CBC International

We conduct our service on a no collection, no fee basis (excluding disbursements). We charge a rate of commission only on the money successfully recovered and offer a sliding commission scale, subject to debt value.

Commercial Accounts up to 12 Months Overdue: UK Based Client & Debtor

Value of Debt 0 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,000+ Standard Commission Payable 15% 12.5% 10% 7.5% 5.0%

Debt Amount: Age Of Debt: Additional Information: Invoice Number: Date: Amounts:

Special rates are negotiable for regular and/or high volume instructions. We are properly licensed through the Office of Fair Trading and are registered under the Data Protection Act. In addition, we are also accredited to the internationally recognised quality standard ISO: 9001/2000. UK Debt Recovery Package from CBC International. We have read the rates of commission and service terms for your UK debt recovery package and submit the instruction below.

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 2

30/6/09 16:41:03

CBC INTERNATIONAL Commercial Credit Management & Consultancy

Cash Flow Finance

Cash Flow - Independent Finance for Businesses Most businesses rely on bank overdraft facilities to finance growth and to sustain adequate working capital requirements. However, whilst this might seem an appropriate form of finance, it does not take account of a businesses plans for expansion and overdraft limits can soon be reached, which can stifle the earnings potential of the concern. We can offer alternative independent flexible finance which takes account of the need for growth and is, therefore, geared to the actual sales of the business. The more sales achieved, the more funding becomes available, without the need for further formal negotiation for increasing previously agreed overdraft facilities. Up to 90% of the value of invoices submitted for payment today are paid tomorrow Vital Cash Released No Restriction On Low Value Invoices Can Include Professional Credit Control Full Risk Assessment On Your Customers Bad Debts Reduced Customer Contact Can Remain with You Flexible Approach - You May Exclude Chosen Customers We can search out the best deal for your specific business and can turn your sales into cash in 24 hours. Because this is independent finance, it is not subject to the restrictions of the main banking institutions.

Credit Insurance
Bad Debt Insurance

Protection against trade losses

What proportion of your current assets is locked up in credit sales? This could be as much as 50% and thats enough to make any business run for cover. Whether you are dealing domestically or internationally, clearly, it makes sense to seek the protection of a competitive, yet sound insurance policy. It might even improve your credit rating with your bank and other financial institutions. Considering our other facilities are designed to help reduce exposure to trade losses, credit insurance serves to strengthen that resolve. In the last resort, should your customer cease to trade, you can rest assured with the knowledge that you will recover a large proportion of your investment in the insolvent business. There are numerous influencing factors which can affect the settlement of accounts apart from the default of your customer and this also applies to overseas transactions. However, providing the right procedures are followed, there is absolutely no reason why good business should not be obtained in the UK and abroad. The right approach could open the doors to your company and allow you to expand your market potential with the minimum risk of non-payment. We can arrange cover on your behalf and ensure that the most economic and comprehensive policy is secured and that your businesses specific needs are catered for.

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 3

30/6/09 16:41:04

CBC INTERNATIONAL Commercial Credit Management & Consultancy

Business Reports and Enquiries

Business Reports At CBC International, we offer a comprehensive range of business searches and credit reports, each with different levels of coverage and analysis because we understand that your business needs accurate and up-to-date information to make credit assessments. Before entering into any business partnership, you should always obtain a credit status report so that you understand all the potential financial risks. Few businesses can afford to have overdue accounts. You need to know that your customers are financially solvent and that they will pay on time. Receiving up-to-date business credit reports on both new and existing customers forms an important part of any credit management policy. After all, one of your regular customers could be in extreme financial difficulty and you would certainly want to know about it. Give Credit Where It Is Due The information contained in the credit status report provides a financial risk analysis which will verify the exact trading style of your customer and give an appraisal of the performance of the business, using the information contained in the last filed accounts, in the case of a limited liability company. In the case of partnerships or sole traders, we would use our data gathering process in order to establish trading history. For an overview of the features and benefits of each of the credit reports and business enquiries, searches and documents available please see our website: www.cbc-international.co.uk

OBJECTIVES At the end of this course delegates will be able to: Assess the credit worthiness of existing and potential customers Establish the number of days credit customers are taking Plan preferred cash collection targets in line with your credit terms and monitor performance Learn how to obtain a commitment for payment on the telephone Collect money quickly and efficiently Establish the costs of credit to your organisation and work on reduction programme Reduce exposure to slow paying customers and bad debts Improve working capital position of your organisation Assist in maximising sales Assist in maximising profitability Control credit effectively and operate a credit control system The results of such training will enable staff to collect money quickly and efficiently and control credit effectively. Training may be carried out in-house if desired. Why not purchase our basic training manual? This offers a complete credit control system from start to finish.

Credit Management Consultancy

Policy and procedures - the right balance In our experience, we find that many businesses suffer loss of profit and adverse cash flow because of poor credit control systems. Unless proper policies and procedures are in place, a business may not achieve an ongoing performance level on a par with competitors, leaving the concern less able to secure new contracts due to poor cash flow and over exposure to slow paying customers and bad debt losses. We have a wealth of knowledge on all matters relating to the granting of credit and can give sound advice in the management of extending commercial credit facilities, thereby improving and sustaining the financial position of the business and reducing the need to rely on expensive borrowing facilities. We can install/overhaul credit control systems from start to finish.

Credit Control Training

Whatever the economic climate - you need good credit control Professional training in credit control is vital to ensure that staff engaged in the administration of the policies and procedures adopted are both knowledgeable and confident in carrying out their duties. We can provide essential training of both new and existing staff encompassing the following:

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 4

30/6/09 16:41:04

CBC INTERNATIONAL Commercial Credit Management & Consultancy

Membership Package
Membership Subscription Package Benefits of Membership What if your relationship with your debt recovery agents could be different? What if you could access the complete umbrella of services from your agents that could help manage and protect your business in avoiding bad debt? With our unique member benefit packages we can demonstrate our innovation in the industry, recognising that all clients are not the same and welcome choice when deciding on the level of protection measures that suits them.

25% discount to our credit control training course 1 hour legal advice on any commercial matter 2 small claims legal cases 100% fee free of commission charges (excepting court fees) 15 database traces currently valued at 100 per search 25% off field agent trace to any location in the U.K The current cost of the above service stands at 9,262 therefore, clients taking advantage of the Platinum Membership stand to save 5,262. Clients can actually save significant fees just by taking advantage of the 5 debt placements. CBC Gold Membership Similar to the platinum package however, this caters for the client who has lower volume requirments. For the one off fee of 1,915 clients have access to the following: 5 commission free debt recovery placements up to the value of 2,500 25 credit ratings on any limited companies 15% discount on our credit control training course 30 minutes legal advice on any commercial matter 1 small claims legal cases 100% fee free of commission charges (excepting court fees) 8 database traces currently valued at 100 per search 15% off field agent trace to any location in the U.K The overall package costs 2,915 therefore, clients who take out the Gold membership Package stand to save a potential 1,000.

Membership Packages
We have designed two unique packages which cater for clients with regular instructions and those with occasional instructions. Both packages incorporate a whole range of services that clients can utilise, these services are vital to ensure a complete credit management facility and of course reduce the risk of non payment. The Products The CBC Platinum Membership The CBC Gold Membership CBC Platinum Membership The platinum membership is the complete combination of all our services under one roof. Its a complete facility and provides the client with access to the whole, range of our services for a 12 month period at the reduced cost of 4,000 per an num. This can be topped up at any time. This facility will provide significant savings for our clients For the one off fee of 4,000 clients have access to the following: 5 commission free debt recovery placements up to the value of 5,000 1 commission free European debt placement up to the value of 5,000 1 commission free Worldwide debt placements up to the value of 5,000 50 credit ratings advice on any limited companies

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 5

30/6/09 16:41:04

CBC INTERNATIONAL Commercial Credit Management & Consultancy

Debt Dispute & Mediation

Mediation and Intervention Dispute Resolution Service Is your customer disputing payment of an account and you dont wish to be involved in protracted and costly litigation? As an alternative to Court action we are able to act as an intermediary between the parties in an effort to bring about a satisfactory resolution to the dispute, thereby ensuring a speedy and less costly outcome. We will charge a flat rate to be agreed prior to the resolution meeting, we will also make all arrangements for venue/time of the meeting and prepare the required document pack for discussion at the meeting. Advantages of Mediation/Intervention Can preserve and/or restore an ongoing relationship Restores communication Control is maintained by the parties themselves Flexible procedure Addresses unreasonable claims and expectations Speedy resolution of the dispute Still allows the parties to have their say Cost saving Why do Mediation and Intervention work? Defusing issues The issues and facts are heard without strict rules of evidence Appreciating other partys point of view can encourage settlement Common ground can be recognised A bottom line is found The dispute is laid to rest on the day The parties feel that they have had their day in Court Substantial costs can be saved Why the emphasis on Alternative Dispute Resolution? Courts are now advocating ADR before legal action is commenced Court procedures are slow and expensive Litigation is stressful and time-consuming Court decisions tend to be limited to win/lose ADR is cheaper; quicker; promotes settlement; good for maintaining business relationships if this is desirable

Debt Claim Legal Services

Where Legal Action is Required It is tempting to resort to legal action - in what is often referred to as the small caims court. But what are the chances of success and will it be worth the cost and hassle? - Debt Claim Legal Services can assess this for you and advise on the merits of taking legal action so that you can make an informed judgement. There is no such thing as a Small Claims Court: the County Courts use a small claims track to handle claims for less than 5,000.00. It is designed to be quick, inexpensive and unintimidating for the layperson. Larger amounts are usually handled by a slower, more expensive and complicated system, where a solicitor is usually required (charges could be as much as 195.00 per hour) however, we have overcome this problem and can issue for any amount through Debt Claim, saving substantial fees. You can claim at County Court for money owed to you by your customer in respect of goods supplied or services rendered but Court action should always be a last resort. You must give the debtor a clear opportunity to pay up before you issue a claim. Debt Claim Legal Services can do this for you generating a letter before action (LBA) saying how much they owe, what it is for, efforts you have already made and a warning that we will make a Court Claim once a reasonable deadline expires (such as 14 days). The fee to start a claim is roughly 10% of the amount claimed, which may be added to what you are owed, we can issue your claim through our online system saving both time and money. The defendant has 14 days to respond after service the claim, and the ideal outcome is that the defendant does not contest the case, and pays up without you even needing to go to Court. If the defendant disputes your claim, a hearing is necessary and the Court will allocated a date so consider whether you are prepared to attend a possible trial. The two parties present their case to a judge in relatively informal surroundings. The defendant is usually asked to pay such costs if you win, but not any solicitors fees you incur if you decide to employ one for the hearing if the debt is below 5,000.00.

CBC INTERNATIONAL, Commercial Credit Management and Consultancy, 7th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2LZ, UK Tel: +44 151 515 3014 Fax: +44 151 515 3015 Email: enquiries@cbc-international.co.uk Web: www.cbc-international.co.uk

cbc_letter_sheet_vs5.indd 6

30/6/09 16:41:04