CBC International - An Introduction

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.
Company
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.
Roy Caligari MICM
Managing Director, Accredited Mediator
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 don’t 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
We can help to achieve the ‘right balance’ of your credit
policy.
Membership Package
Chose a level of membership to suit you.
Credit Control Outsourcing
We can be your credit control department for a fixed fee.
Debt Claim Legal Services
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
Why not take advantage of our FREE ADVICE centre.
Cash Flow Finance
Do you want to expand but can’t finance it from your
overdraft? Could you benefit from special opportunities?
Credit Insurance
We can ensure that in a worst case scenario you would
recover a major percentage of your cash if your
customer goes bust.
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
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 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 Standard Commission Payable
£0 - £ 5,000 15%
£5,001 - £10,000 12.5%
£10,001 - £15,000 10%
£15,001 - £20,000 7.5%
£20,000+ 5.0%
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.
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
Debt Amount: ………………………………………………………
Age Of Debt: …………………………………………………………
Additional Information: …………………………………………
Invoice Number: ……………………………………………………
Date: …………………………………………………………………
Amounts: ……………………………………………………………

CBC INTERNATIONAL
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
Protection against trade losses
Bad Debt Insurance
What proportion of your current assets is locked up
in credit sales?
This could be as much as 50% and that’s 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
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
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:
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.

CBC INTERNATIONAL
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.
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.
• It’s 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
• 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.

CBC INTERNATIONAL
Debt Dispute & Mediation
Mediation and Intervention
Dispute Resolution Service
Is your customer disputing payment of an account
and you don’t 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 party’s 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 tak-
ing 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
solicitor’s fees you incur if you decide to employ one for
the hearing if the debt is below £5,000.00.

CBC International - An Introduction

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