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900 ATTENDEES EXPECTED
125+ SPEAKERS
70+ SESSIONS
9 CONFERENCES
2 DEBATES

CREDIT SUMMIT COUNTDOWN:

#creditsummit
@credittodayuk

26.03.15 QEII Conference Centre | London
The UK's largest credit industry show

Top story: Hoist Finance to float on Swedish Nasdaq

The parent group of UK debt purchaser Hoist Finance has announced plans to launch an initial public offering and listing on the Swedish stock market. Read full story

News stories

Debt management firm acquires Kensington

Debt advice firm PDHL has acquired Kensington Financial Management Consultants from its owner, Money Advice Group, for an undisclosed sum. Read full story

The end of the beginning for short-term lenders

Russell Hamblin-Boone, chief executive of the Consumer Finance Association, looks at how consumer demand will change the industry post-FCA. Read full story

Forbearance cover ramps up at Barclaycard

Barclays has revealed that bad debt losses at Barclaycard increased to £573m in the final quarter of 2014, due to extra forbearance cover. Read full story

Credit summit 2015

Did you know? The Credit Summit is the largest UK event for your industry with free access and premium passes available. Whatever sector you are in - we have cutting-edge content for you.

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The end of the beginning for short-term lenders

Russell Hamblin-Boone, chief executive of the Consumer Finance Association, looks at how consumer demand will change the industry post-FCA.

How can short-term lenders put the spotlight on compliance?

BCCA's Rachael Corcoran highlights the areas short-term lenders are seeking compliance support.

Commercial lending: debt markets on the rise

Mark Taylor, partner and head of debt advisory at Clearwater International, puts UK debt markets under scrutiny

‘Punish late payers with daily interest’

For businesses that pay late, compulsory daily interest charges should be applied to ease the cash flow crisis it can cause, says Mark Burgess, chief operating officer at commercial debt recovery firm Debt Guard Solicitors.

Five analytics tools debt buyers should be using

Damian Riley, director of business intelligence at HML, describes five analytics tools debt purchasers need in their arsenal

Something to write home about

Fred Crawley talks to RNB’s Alan Cruickshank about the challenges the collections industry shares with others in keeping on top of customer correspondence.

Plus ça change?

Do the latest statistics from the Credit Services Association’s Data Gathering Initiative show that consumers are more in charge of their finances? CSA Vice President, John Ricketts considers.

Social media says ‘yes’

Social media can provide a wealth of credit-based customer data that lenders should be ready to take advantage of this alongside traditional data sourcing, says Paul Thomas, managing director of Provenir International.

125+ speakers

David Enright
1st Stop Car Finance

Rosemary Winter-Scott
Accountant in Bankruptcy (AiB)

Amanda Hulme
Addleshaw Goddard

Martin Kirby
Adecco

Sharon Adams
AIMIA Foods

Yvonne Fovargue
All Party Parliamentary Group on Debt and Personal Advice

Andy Gruber
Alphera Financial Services

Jeff Longhurst
Asset Based Finance Association (ABFA)

Matt Bland
Association of British Credit Unions

Craig Iley
Atom Bank

Tasneem Bhamji
Banco Santander

Ben Erwin
Bank of America

Russel Griggs
Banks Appeals Process

Rachael Corcoran
BCCA

Alex Ellerton
BDO

Julie Palmer
Begbies Traynor

Oliver Mackaness
Billing Finance

Chris Sutton
Black Horse Motor Finance

Ken Maynard
Bluestone Credit Management

Martin Parr
BMW Financial Services

Alasdair Skeoch
Brighthouse

Ian Fiddeman
British Bankers' Association (BBA)

Adam Marshall
British Chambers of Commerce

Ashley Smith
CADA Design Group

Richard Fuller
Cash Shop

Andy LaPointe
CashEuroNetUK (Enova International)

Damon Gibbons
Centre for Responsible Credit

Tom Sefton
Church of England

Philip King
CICM

Gaby Devereux
CIFAS

Hugh Stickland
Citizens Advice

Andrew Hallett
Citizens Advice

Graham Haxton-Bernard
Consumer Credit Trade Association

Russell Hamblin-Boone
Consumer Finance Association

David Pauken
Convoke Systems

Andrew Smith
Debt Resolution Forum

Victoria Herd
Deloitte

Howe Timms
Deloitte

Dan Wright
Deloitte

Philip Reynolds
Deloitte

Peter Birch
Deloitte

Frank Horvath
Dollar Financial Group

Caroline Walton
Dollar Financial UK

Paul Brooker
Ecclesiastical Insurance Group

Heidi Wilbor
EDF Energy

Lee Hopley
EEF The Manufacturers Organisation

Lee Birkett
eMoneyUnion

Gill Payne
Fair For You

Louise Marfany
FCA

Katherine Forrest
FCA

Susan de Mont
FCA

Graeme Fisher
Federation of Small Businesses

Simon Goldie
Finance & Leasing Association

Chris Woolard
Financial Conduct Authority

Martin Coppack
Financial Conduct Authority (FCA)

David Gagie
Financial Conduct Authority (FCA)

Juliana Francis
Financial Ombudsman Service

Caroline Wells
Financial Ombudsman Service

David Thornley
Fort Vale Engineering

Phil Orford
Forum of Private Business

Emma Emery
Freeths – CICM Corporate Legal Partner

Atul Vadher
French Connection

Martin Hill
Frontline Solutions

Stuart Hopewell
Fujifilm UK

Andrew Jackson
FundingCircle

Marc Howells
George Banco

Mark Tweed
GM Financial

Richard Tatford
GM Financial

Peter Landers
Grant Thornton

Colin Sanders
Graydon UK

Stefan Ramel
Guildhall Chambers

Brian Lewis
Hanson UK

Shannon Faulkner
Honda Finance Europe

Kevan McGrail
HSBC

Garreth Cameron
ICO

Paul Elder
Inchcape Retail

Samantha Nurse
Institute of Money Advisers

Wesley Harfield
Investec Asset Finance

Simon Walker
KPMG

Warren Mead
KPMG

Christopher Williams
Legion Trade Finance

Robert Skinner
Lending Standards Board

David Pickering
Lending Standards Board

Stephen Allinson
Lester Aldridge Solicitors

Sarah Porretta
Lloyds Bank

Roger Brown
Lloyds Bank Commercial Finance

John Godfrey
Lloyds Bank Consumer Finance

Stephen Pegge
Lloyds Banking Group

Paul Cameron
Lloyds Banking Group

Peter Rudd
Lombard

David Morgan
London Community Credit Union (LCCU)

Anthony Hilton
London Evening Standard

Gary Brebner
Loughborough Building Society

Jan-Michael Lacey
Lowell Group

Michael Walsh
MBNA

Frank Johnstone
McClure Naismith

Steve Thomson
Menzies Distribution

Lesley Robinson
Money Advice Service

Peter Minter
Moneybarn group

Adam Shinebroom
Mr Lender

Amer Bhatti
MYJAR

Adam Tyler
National Association of Commercial Finance Brokers (NACFB)

Tess Pendle
National Housing Federation

Arthur Foster
Northumbrian Water

Zoe McLeod
Ofgem

Karl Williams
Pannone Corporate

Christine Farnish
Peer-to-Peer Finance Association

David Johnson
Perrys Motor Sales

Phill Holdsworth
Phill Holdsworth Consultancy

Salima Paul
Plymouth Graduate School of Management & Plymouth Business School

Paul Thomas
Provenir

Angela Maund
PSA Finance UK

Niall Cooter
PwC

Christian Terry
PwC

Chris Sanders
QiCM

Katherine Bailey
QMH Hotels

Rhydian Lewis
RateSetter

Ian Cruickshank
RateSetter.com

Chris Fitch
Royal College of Psychiatrists

Jaime Graham
Santander

Gillian Reynolds
Schueco UK

John Bevan
Secure Trust Bank Commercial Finance

Stephen Johnson
Shawbrook Bank

David Fisher
Shell International Trading and Shipping Company

Dave Sheridan
Shelter Cymru

Shakti Tanda
Side Trade UK

Tom Parks
Smart Pig

Michelle Simpson
Southern Water

Mike O’Connor
Stepchange Debt Charity

David Hughes
Synseal Extrusions

Mark Smith
The Car Finance Company

Joanna Elson
The Money Advice Trust

Richard Carter
The Nostrum Group

Richard Koch
The UK Cards Association

Jonathan Coburn
Thompson Reuters

Nick King
Travis Perkins

Melanie Johnson
UK Cards Association

Maurice Goddard
UK Payments Administration

Anu Biswas
UKAR

Rebecca Boden
University of Roehampton Business School

Paul Rodgers
Vendorcom

Peter Stewart
Vertumotors

Paul Eagles
Visa Europe

Graham Wheeler
Volkswagen Financial Services

John Ramage
Westpac Banking Corporation

Andrew Lawson
Zopa

Attendees include

senior collections manager
1st Credit

compliance director
1st Credit

managing director
1st Stop Car Finance

collections manager
AB glass

credit controller
AB glass

credit control
AB glass

ceo
ABFA

regulatory affairs
Account Technologies

general counsel
Account Technologies

chief executive
Accountant in Bankruptcy

manager
Active Securities

director
Active Securities / 247Moneybox

partner
Addleshaw Goddard

head of credit
Adecco

manager order to cash
Aggregate Industries Europe

credit manager
Aimia Foods

credit manager
Air Liquide UK

credit manager
Aktrion Group

chair
All Party Parliamentary Group on Debt and Personal Advice

international credit and risk manager
Allegis Group

director
Alphera

head of credit
Amey

internal audit
Amigo Management Services

internal audit
Amigo Management Services

internal audit
Amigo Management Services

interim deputy credit manager
AQA Education

policy manager
Association of British Credit Unions

managing director - business banking
Atom Bank

managing director
Balbec Capital LP

manager
Balbec Capital LP

head of intermediary sales
Bamboo Finance

head of conduct risk - collections and recoveries
Banco Santander

head of customer service operations
Bank of America

independent external reviewers
Banks Appeals Process

head of collections
Banque PSA Finance

director
BBA

ceo
BCCA

credit manager
BCD Travel

personal insolvency manager
BDO

regional managing partner
Begbies Traynor

head of credit
Biffa Waste Services

credit control manager
Billing Finance

director
Billing Finance

managing director
Black Horse Motor Finance

fraud and compliance officer
BMW Financial Services

head of credit services operations
BrightHouse

head of credit operations
Brighthouse

director of policy and external affairs
British Chambers of Commerce

company secretary
CADA Design Group

finance director
Cargiant

owner and managing director / director
Cash Shop / BCCA

head of legal and compliance
CCTA

director
Centre for Responsible Credit

director
Centre on household assets and savings management

director of membership and support services
Chartered Institute of Credit Management

executive assistant and head of hr and social media
Chartered Institute of Credit Management

reporting and it support analyst
Chartered Institute of Credit Management

director of learning and development
Chartered Institute of Credit Management

external relations manager
Christians Against Poverty

director of debt management and creditor relations
Christians Against Poverty

policy manager
Church of England

member recruitment manager
CIFAS

policy manager
Citizens Advice

chief economist
Citizens Advice

director of analysis and decisions support
Close Brothers Motor Finance

head of collections, strategies and change
Clydesdale Bank

chief executive
Consumer Finance Association

ceo
Convoke

head of credit management
Corona Energy

business development manager
Credit4

chief executive
Credit4

credit control team leader / chair
Dairy Crest / ICM London Branch

credit team leader
Damartex UK

head of customer services
Damartex UK

managing director
Debt Advisory Line

external affairs director
Debt Resolution Forum

manager - corporate finance
Deloitte

director - restructuring services
Deloitte

senior manager
Deloitte

director
Deloitte

corporate affairs director
Dollar Financial

vice president collections, europe
Dollar Financial

head of credit
DONG Energy

group credit risk manager
Ecclesiastical Insurance Group

manager of sme debt management and dcas
EDF Energy

chief economist
EEF The manufacturers' organisation

risk manager
Elevate

ceo
eMoney Union

uk public affairs associate
Enova

sales manager
Equiniti Pancredit

financial columnist
Evening Standard

head of marketing
Everyday Loans

chief executive
Everyday Loans

chief operating officer
Everyday Loans

public affairs manager - uk
Evova International

head of risk and compliance
Fair For You

head of partnerships
FCA

director of authorisations
FCA

team leader, credit department - credit authorisations division
FCA

senior advisor
FCA

manager, mortgages and consumer lending / supervision
FCA

director of policy, risk and research
FCA

head of policy
Federation of Small Businesses

head of asset finance
Finance and Leasing Association

senior associate, communications division
Financial Conduct Authority (FCA)

associate
Financial Conduct Authority (FCA)

senior ombudsman
Financial Ombudsman Service

head of operations
First Banco

group credit controller
Fort Vale Engineering

ceo
Forum of Private Business

head of outreach and customer insights
FOS

partner
Freeths (CICM Corporate Legal Partner)

international credit manager
French Connection

joint managing director
Frontline Solutions

credit manager
Fujifilm UK

managing director
George Banco

operations director
GM Financial

cfo
GM Financial

head of consumer finance, advisory
Grant Thornton

head of intelligence, steel, petroleum and timber - uk production manager
Graydon

credit manager
Hanson UK

credit control manager
Heating Plumbing Supplies

manager - collections and recoveries
Honda Finance Europe

debt recovery officer
HSBC

debt recovery manager
HSBC

regional head of collections and recoveries
HSBC

risk manager
HSBC Invoice Finance (UK)

client partner
Huntswood

assistant credit manager
Ian Williams

group credit manager
Ian Williams

chief executive
ICM

strategic liaison group manager
ICO

senior risk and recoveries manager
Ikano

group f and i manager
Inchcape Retail

head of sales
Investec Asset Finance

group finance and insurance director
JCT600

credit controller
JSP Credit Management

partner - financial services
KPMG

partner
KPMG

head of recoveries
Legion Trade Finance

compliance director
Lending Standards Board

ceo
Lending Standards Board

consultant
Lester Aldridge

head of sales
Link Financial

regional director
Lloyds Bank Commercial Finance

head of financial inclusion - responsible business, group corporate affairs
Lloyds Banking Group

credit risk director, current account and credit card
Lloyds Banking Group

credit manager
Lombard

financial columnist
London Evening Standard

director of sales and marketing
Lowell Group

credit manager
Mandarin Oriental

director
Match the Cash

director
Match the Cash

director
Match the Cash

vice president uk recovery operations
MBNA

partner
McCluire Naismith

credit manager
Menzies Distribution

risk director
Merchant Money

business development
Merchant Money

head of risk
Merchant Trade Finance

revenue cycle manager
Mitie Security

uk senior manager
MMP

executive director
Money Advice Service

chief executive
Money Advice Trust

managing director
Moneybarn

technical recovery handler
Motor Insurers Bureau

recoveries handler
Motor Insurers Bureau

head of collections
Mr Lender

cbo
Mr Lender

coo
Mr Lender

chief executive officer
My Home Finance

credit manager
NLI Operator

litigation officer
Northumbrian Water

chief executive
Nostrum Group

lead, consumer vulnerability
OFGEM

head of operations
Omni Capital Retail Finance

director
One Stop Car Credit

group director
One Stop Car Credit

credit control manager
Parker Steel

chair
Peer to Peer Finance Association

credit and risk manager
Pentland Brands

credit control team leader
Pentland Brands

credit control team leader
Pentland Brands

group f and i director
Perrys Motor Sales

director
Phill Holdsworth Consultancy

group credit manager
Pirelli Tyres

operations manager
Places For People

professor of credit management
Plymouth Graduate School of Management and Plymouth Business School

in house lawyer
Provident Financial

in house lawyer
Provident Financial

senior manager
PwC

head of accreditation
QiCM

credit manager
QMH Hotels

chief marketing officer
RateSetter

founder and ceo
RateSetter

supply manager
RBS

strategy, analytics and mi manager
RBS

director
RBS

associate director
RBS

assistant director
RBS

head of lenders and brokers, financial institutions group
RBS

director
RBS

research fellow
Royal College of Psychiatrists

conduct risk manager
Santander

head of candr support
Santander

corporate relationship and special project manager
Santander

director - uk debt management
Santander

team manager
Santander

collections director
Santander

credit manager
Schueco UK

credit manager
Screwfix Direct

assistant credit manager
Screwfix Direct

managing director
Secure Trust Bank (commerical finance)

ceo
SGE GROUP

managing director
Shawbrook

managing director
Shawbrook

managing director - commercial lending
Shawbrook

global credit manager - oil crude and product
Shell International Trading and Shipping Company

senior debt advisor
Shelter Cymru

project manager
Sidetrade UK

credit management team leader
Siemens

credit governance manager
Siemens

collections manager
SIRS

head of customer billing services
Southern Water

senior credit analyst
Speedy

director of operations
Speedy Cash

regional manager
Speedy cash

credit supervisor
Spencer Ogden

group credit and risk manager
Spencer Ogden

head of treating customers fairly
SSE

treating customers fairly project manager
SSE

head of relationship manager
Stepchange

head of policy
Stepchange

compliance manager
Stoneacre

ceo
StudentFunder

credit operations manager
StudentFunder

collections strategy manager
Tesco Bank

collections and recoveries analyst
Tesco Bank

collections and recoveries analyst
Tesco Bank

head of portfolio management
Tesco Bank

senior risk analyst
Tesco Bank

md and founder
The Car Finance Company

ceo
The Debt Counsellors Charitable Trust

chair / co-chair representation advisors
The Institute of Money Advisors / MALG Steering Committee

head of operations
Think Money

director
Think Money

uki collections
Thomson Reuters

group credit director
Travis Perkins

head of uk operations
Trusted Quid

chair
UK Cards Association

head of policy
UK Cards Association

head of internal audit
UK payments administration

tcf manager
UKAR

professor of critical management
University of Roehampton Business School

chairman
Vendorcom

director - business development
Vertu Motors

vice president - product and future payment risk
Visa

commercial manager
Volvo Group UK

managing director
VWFS UK

compliance and quality manager
Wage Day Advance

business development director
Welcom Software

head of collections
Westpac Banking Corporation

ceo
wizzcash.com

credit manager
Yokohama HPT

director - consumer lending
Zopa

consultant
ZZPS / Ascent Performance Group

Exhibitors include