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20 February 2019Written by Stephen Cowan Category: Blog

 

SC book

"All those involved in debt recovery are aware of the increasingly complex legislative regime in which they operate. This publication gives a practical guide through the regulatory maze." (Stephen Cowan).

31 January 2019Written by Stephen Cowan Category: Blog
Let’s face it, we’ve all been bombarded with news about the new Data Protection Act and how and why we should comply.  We have all been inundated with good advice and the perils if we fall foul of the new regime.  In fact some people think that we’ve over regulated and that data protection is complete “overkill”.  But have you ever wondered what would happen if we did not have it?
30 January 2019Written by Stephen Cowan Category: Blog

The “Common Financial Statement” is a standard budget format which helps creditors, advisers and people with debt get a clear picture of an individual’s or household’s financial situation.

17 January 2019Written by Stephen Cowan Category: Blog
The Problem
Let’s assume that there is a written contract in place for the provision of office space. The licence fee payable is, of course, agreed. It’s a written contract and during its course the licensee falls into arrears and approaches the licensor’s credit controller to reduce the monthly fee and come to a repayment arrangement with respect to the debt which has built up. These negotiations are conducted over the ‘phone and a new ‘agreement’ is put in place to accommodate the licensee. However after the ‘agreement’ is struck the licensor terminates the license agreement arising from the licensees breach to pay the sums due under the original contract. Can the licensor renege on their credit controller’s oral revision of the contract?
10 January 2019Written by Stephen Cowan Category: Blog
A number of news items have appeared in the press recently and other news sources focusing on rising levels of unsured debt and what can only be described as “debt misery”.
08 January 2019Written by Stephen Cowan Category: Blog
As featured in CCR Magazine.
 
Could Ryanair have scuppered a legal avenue for claims-management companies? 
26 December 2018Written by Stephen Cowan Category: Blog

Many people will either receive or give store gift cards this Christmas.

The general public is well aware of the gift card debacle following the administration of the House of Fraser. Basically the administrators refused to honour them. They said that the gift card holders were unsecured creditors of the company. The net result is that, at most, they will receive only a few pence in the pound on the card.

27 November 2018Written by Stephen Cowan Category: Blog

In a recent case a Russian oligarch feared for his life and was, apparently, the victim of a burglary conjured up by his ex-wife. And to make matters worse the ex-wife was accused of threatening to get him deported from the UK.

14 November 2018Written by Stephen Cowan Category: Blog

The number of Scottish debts is on the increase. They rose by more than a third in the last quarter.

02 October 2018Written by Stephen Cowan Category: Blog

Inverclyde Council is the first Scottish Council to provide its residents with real-time help with debt. And with this being the first time which a council has provided live chat facilities no doubt some of Scotland’s other councils will soon follow suit. With the new service being available on the councils website.

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