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22 July 2019Written by Stephen Cowan Category: Blog

You couldn’t successfully argue that Nicholas Wilson wasn’t persistent. That’s because he spent 16 years on a crusade to establish that HFC Bank and John Lewis Financial Services had overcharged thousands of people on debt payments. Both lenders are now part of HSBC.

19 July 2019Written by Stephen Cowan Category: Blog

English local authorities have been criticised for their overzealous debt recovery practices. In an article in July’s edition of “Local Gov”, the extent of the problem was highlighted, with council tax arrears accounting for no less than a third of debt issues which Citizens Advice deals with. This is a staggering figure, particularly when one considers that it exceeds credit card debt problems by 8%.

16 July 2019Written by Stephen Cowan Category: Blog

“No Mean City” is a 1935 novel. Describing life in Glasgow’s Gorbal’s district and the razor gangs, it painted a grim picture of violence and deprivation. It took generations for the city to lose this image, and today the Gorbals is now quite a trendy area with upmarket flats, restaurants and a theatre area.

But does Glasgow still deserve the “no mean city” epithet? Thousands of women employed by the city council will say that it does. And why should this be so?

01 July 2019Written by Stephen Cowan Category: Blog

“Vulnerable Debtor” is a phrase with which many in consumer debt recovery are familiar. Basically, it is a phrase which should alert a creditor to be cautious when attempting collection from a debtor who is “vulnerable”. Debtor vulnerability can take many forms and can display itself as a physical illness or where the debtor has psychological problems - often stress-related.

20 June 2019Written by Stephen Cowan Category: Blog

We are indeed indebted to Private Eye (no 1497) for drawing our attention to the latest Chinese concept for civil enforcement against defaulting debtors.

17 June 2019Written by Stephen Cowan Category: Blog

The boss of the Association of British Insurers, Mark Shepherd, has said that the number of insurance claims made so far this year has reached its highest level in ten years. What has brought this on?

04 June 2019Written by Stephen Cowan Category: Blog

What is Phoenixing?

Consider the following scenario:

Joe Lollipop Limited has been trading for a number of years from 5 Glebe Street, Glasgow. This is also the company’s registered office.

05 April 2019Written by Stephen Cowan Category: Blog

Stephen Cowan looks at summary warrants and the powers and effects they can have.

26 March 2019Written by Stephen Cowan Category: Blog

Join us at our interactive Debt Recovery Conference where we will give you first-hand experience of what to do when your customer does not pay.

19 March 2019Written by Stephen Cowan Category: Blog
As part of the government’s spring financial statement the chancellor has announced that large companies will have to report on their payment practices every year.

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