Programme for MALG's Annual Conference and Exhibition, which took place on Wednesday November 19th at the Royal College of Physicians. The theme was Ticking the box on problem debt - job done then? The event was chaired by Headlinemoney Financial Broadcast Journalist of the Year Paul Lewis.

1. Royal College of Physicians, 11 St Andrews Place, Regent’s Park, London NW1 4LE
Wednesday 19th November 2014

2. What is MALG?
The Money Advice Liaison Group (MALG), formed in 1987, is a non-policy making
discussion forum for creditors, debt collecting agencies, enforcement officers,
debt advisers and others wishing to promote greater communication,
understanding, good practice and professionalism between organisations with
an interest in personal credit and debt. It has 56 such national bodies in
membership.
Who should attend?
The Conference is recommended to anyone working with or within the
consumer credit and debt industry and we aim to strike a balance of delegates.
Individuals who have successfully completed the IMA-led Certificate in Money
Advice Practice are able to obtain CPD points for attendance without charge.
Debt Advisers: Debt advice workers -‘fee or free’ - will be able to network with
creditors and colleagues on neutral ground (Delegates attending from the
free-to-client sector can apply to have their travel and accommodation costs
subsidised.)
Creditors, enforcement officers, debt purchasers and debt collectors: the
event represents a great opportunity to network with the debt advice sector and
colleagues and to share ideas. It’s also a chance to hear about what is happening
on the ground and to hear and meet various industry leaders.
DMP providers and insolvency practitioners: take the opportunity to hear and
share views on debt management regulation, developments in the debt advice
and insolvency sectors and network with colleagues from a range of relevant
industries.
Regulators: the world of debt involves more regulators than ever before - the
MALG Conference & Exhibition represents an opportunity to learn more about
the workings of the debt advice and creditor sectors and to meet with a wide
variety of players including industry and regulatory leaders.
“A l�����, l����� d�� - �����
�n�����n� �i�� ac���� �nga����n�
�� ���” (Free Sector Adviser)
www.malg.org.uk
MALG Annual Conference & Exhibition 2014
MALG Annual Conference & Exhibition 2014

3. “A ���� ���es�i�n�� �n� ����
w���e�-�u� c�n����n��” (Creditor)
About the Conference
Ticking the box on problem debt - job done then? A provocative title perhaps but
MALG has never shied away from controversy!
Whether we are creditors, regulators or debt advisers, surely we have the same goal
- to help people out of debt? Are we being effective and is there more we can do?
Surely ‘tick-box’ processes are an anathema when it comes to ensuring good
practice? These are questions that people on all sides of the debt debate will ask
themselves. In recent years, many of us have faced new rules and new regulations;
all with the honest aim of protecting people and helping markets work effectively.
But do these changes mean the job has been done or should we be focusing less on
process and more on outcomes? Join us to discuss these issues at MALG’s Annual
Conference & Exhibition. The MALG Conference has a long and rich history of
bringing together creditors, regulators, debt advisers and other interested groups
on neutral ground to help improve practices in the debt and creditor sectors and to
drive helpful innovations.
This year’s Conference will once again offer that same opportunity to draw together
industry leaders and frontline workers to discuss some of the central issues facing
the debt advice and creditor sectors. Headlinemoney Financial Broadcast Journalist
of the Year Paul Lewis will chair the Conference which will include MALG’s famous
panel debate, interactive workshops, our biggest ever exhibition and many
networking opportunities.
For the second year running the event will take place at the prestigious Royal
College of Physicians in Central London with its excellent facilities and links to public
transport. We will also be hosting our annual Exhibition and we look forward to
welcoming back exhibitors from previous years as well as new ones. Please get in
touch with our Conference Manager, David Legg for further details by emailing
davidlegg@malg.org.uk
We are pleased once again to offer financial assistance to free-to-client debt
advisers wishing to attend the Conference with travel on a first come first served
basis. Please contact David Legg by email to find out more about this facility.
Anthony Sharp, Chair
About the Conference
MALG Annual Conference & Exhibition 2014
www.malg.org.uk

4. Registration &Trade Exhibition, networking and refreshments
Conference housekeeping and administrative matters - Anthony Sharp, Chair of MALG
Welcome to the Conference and Introduction by the Conference Chair - Paul Lewis, freelance
journalist and presenter of BBC Radio 4’s Money Box
A Pandora’s box of money questions chaired by Paul Lewis
Panelists: Kim-Louise Heffernan, Manager, Consumer Credit Sector Team, Financial Conduct Authority
Russell Hamblin-Boone, Chief Executive Officer, Consumer Finance Association
Anna Hall, Money Advice Strategy Manager, Citizens Advice
Leigh Berkley, President, Credit Services Association
Coffee &Trade Exhibition
Four optionalWorkshops - Session 1
A.“Who has benefited from the April Bailiff Reforms and have we seen aggressive bailiffs
disappear for good?”
Presenters: Stephen Caven, Director General, CIVEA
PeterTutton, Head of Policy, StepChange Debt Charity
Facilitator: Sue Lindsay, Head of Customer Relations, Wessex Water
Scribe: Steve Perring, Compliance Officer, Cabot Credit Management & representing MALG’s South
East Discussion Forum
B.“Debt Advice - panacea or sticking plaster - does it work in practice?”
Presenters: Lee Usher, Debt Advice Manager, Customer Assistance Strategy, Customer Operations, UKAR
Chilli Reid, Head of Development and Policy, AdviceUK
Facilitator: Nick Bussey, Director of Business Development, Fairpoint
Scribe: Keith Osborne, Counsellor, Heath & Wellbeing, Metropolitan Police & representing MALG’s
South East Discussion Forum
C.“Household budgets have substantially changed over recent years - what now determines
affordability?”
Presenters: Claire King, Insight Manager, Money Advice Trust
JaneTully, Head of Insight and Engagement, Money Advice Trust
Martin Roseweir, Managing Director, Allied International Credit
Facilitator: Yvonne MacDermid OBE, Chief Executive, Money Advice Scotland
09.00 - 10.00
10.00 - 10.07
10.07 - 10.15
10.15 - 11.20
11.20 - 11.45
11.50 - 13.05
Programme
MALG Annual Conference & Exhibition 2014
www.malg.org.uk
Programme

5. Programme (Continued)
MALG Annual Conference & Exhibition 2014
Scribe: Vanora McCullagh, Creditor Liaison Manager, Debt Advisory Line and representing MALG’s
Midlands Discussion Forum
D.“Creditors and advisers do now talk together - job done then?”
Presenters: Sarah Reeve, Head of Business Development Voluntary & Corporate Sectors, PayPlan
‘To be announced’
Facilitator: Iain Pilling, Operations Development Manager, Collections, United Utilities
Scribe: Phill Holdsworth, Proprietor, Phill Holdsworth Consulting and representing MALG’s North East
Discussion Forum
Lunch &Trade Exhibition
“Ticking the box on problem debt - job done then?”
Speaker: Zach Lewy, Founder and Executive Director of Arrow Global
Four optionalWorkshops (repeated) - Session 2
Summary and close of Conference by Chair
Post Conference Drinks Reception &Trade Exhibition
13.05 - 14.15
14.15 - 14.50
14.55 - 16.10
16.15 - 16.20
16.20 - 17.00
“A� ��p����i�� f�� ������n� ����p��nt� t� ��
�x�h�n�e� �r�� a�ros� ��� �ect�r� � ���
�n�us���” (Independent)
“W���-�rg��i�e� - ��ea� �����. In���es��n� ���
� w��k�h�� ����ec� m����” (Creditor)
www.malg.org.uk
Programme (Continued)

6. Follow us on Twitter at
@MALGconf and join in the
conversation using the
#MALG14 hashtag.
THE MONEY ADVICE LIAISON GROUP
c/o David Legg, Conference Manager
4 Squires Close
Crawley Down
West Sussex
RH10 4JQ
Tel: 01342 713152
Mobile: 0777 4026045
Email: davidlegg@malg.org.uk
www.malg.org.uk
@MALGconf
SPONSORS - MALG Annual Conference & Exhibition 2014
MALG wishes to thank Zero-credit Ltd for generously providing the Social
MediaTsarina and official photographer.
MALG is very grateful to the above companies and organisations who have
generously made sponsorship donations towards the 2014 Conference &
Exhibition.
We are pleased once again to offer
financial assistance with travel on a first
come first served basis to free-to-client
debt advisers wishing to attend the
Conference. Please contact the
Conference Manager David Legg by
email at davidlegg@malg.org.uk to find
out more details about this facility.
“Ex�����n� f���� f�� �e�w����n�
�i�� g�o� ��� � a��i�� a��n��e�
�n� ��� ��e�i� �n�us���” (Free Sector Adviser)
MALG Annual Conference & Exhibition 2014