Editor: Pat Williams. E-mail pwilliams@creditman.co.uk
John Arnold. E-mail jarnold@creditman.co.uk
Site: Business Credit Management UK
URL: http://www.creditman.co.uk
Issue: 57
Dated: 12th April 1998
Welcome to the Business Credit News UK.
In this weeks edition you will find the following topics.
UKBANK OF ENGLAND LEAVES INTEREST RATES UNCHANGED
The Bank of England's Monetary Policy Committee voted last week to leave the Bank's repo rate unchanged at 7.25%.
Minutes of the Monetary Policy Committee meeting will be published on Wednesday 13 May. Minutes of the meeting held in March will be published on Wednesday 15 April.
DOUBLE GLAZING FIRM DROPS UNFAIR CONTRACTS
The OFT has stepped in to force Staybrite, one of the country's largest double glazing firms, to stop using unfair contract terms in its current court actions against consumers, and has forced the company to drop three terms in its contracts.
After the OFT threatened Staybrite with an injunction, the company has now assured John Bridgeman, Director General of Fair Trading, that it will no longer take customers to court on the basis of its unfair terms and that it will drop the terms from existing and future contracts.
Staybrite will:
John Bridgeman said: "I had no alternative but to threaten legal action in this case as I considered that these terms were unfair to consumers and weighted the contract in favour of Staybrite.
"Terms which are unfair are not binding on consumers. If a company has started legal proceedings, it may be able to invoke rights or remedies at common law or equity but it must not seek to rely on unfair standard terms."
The Unfair Terms in Consumer Contracts Regulations cames into force on 1 July 1995. They implement an EC Directive (EC Directive 93/13) in the UK. They apply to standard contract terms used with customers in contracts made after 1 July 1995. The Regulations say that a consumer is not bound by a standard term in a contract with a seller or supplier if that term is unfair. They also give the Director General of Fair Trading powers to stop the use of the standard term by businesses and prevent anyone recommending such terms, if necessary by obtaining a court injunction.
A copy of 'Home Improvements Guidance' issued in January 1998, may be obtained from the OFT's Unfair Contracts Terms Unit. It explains why the Office considers certain types of terms commonly found in windows and other home improvements contracts to be potentially unfair, and offers businesses and their legal advisers some suggestions as to how they could be drafted.
GOVERNMENT ANNOUNCES PROPOSALS TO COMBAT COWBOY BUILDERS
Kitemarks, warranties, skills identification cards and directories of reputable builders are among the ideas being proposed to protect householders from cowboy builders.
In a written response to a Parliamentary Question from Andrew Miller MP (Ellesmere Port and Neston), Construction Minister, Nick Raynsford said:
"I am today launching a consultation paper Combating Cowboy Builders', which sets out a range of measures aimed at protecting householders from incompetent or dishonest builders. I am placing copies in the Library.
"The Government's aim is to protect consumers who want to find a competent builder but, through no fault of their own, suffer as a result of a "cowboy" builder. The first object is to help householders distinguish between the good and the bad builders. Then it is necessary to ensure that the householder, having selected a reputable builder, gets an assurance of good quality work underpinned by a means of redress if things still go wrong.
"The Government has always made it clear that tackling the cowboys was one of its priorities for the construction industry. There is no simple, single solution to the problem. However, the Government believes that the package of measures proposed in this consultation paper will bring real benefit to householders and make life much harder for the cowboys. "The proposals contained in the document include: encouraging local authorities or other local agencies to offer their residents lists of reputable builders who operate in their areas;
The consultation period ends on 5 June 1998. Copies of the paper are available from Mike Metherell at the DETR.
The problem of cowboy builders is a significant one. Figures from the OFT for the year up to 30 September 1996 indicate over 93,000 complaints about home maintenance, double glazing and repairs to major domestic appliances. This figure is up on the previous year (by 4%) and a comparable number of complaints is expected to have been recorded in 1997. By comparison, the number of complaints received about second hand cars was just over 85,000.
Typical complaints include shoddy workmanship, use of inappropriate materials for the job, over-charging and illegal trading methods.
This consultation paper is closely linked with complementary work being undertaken by DETR and other Departments to improve the level of consumer service across a number of sectors including the construction industry. For example:
Two booklets designed to encourage well chosen, productive investment and improve the level of understanding between manufacturing industry and lenders have been launched today by Minister for Science, Energy and Industry, John Battle.
The first, entirely new, booklet, "Informed Investment", is aimed at promoting awareness of the benefits which investing in modern, technologically advanced machinery can bring to companies. The second, an up-to-date version of the successful "Money and Machines" booklet, gives companies (particularly SMEs) guidance on raising finance. Both booklets contain case studies highlighting how several companies undertook the investment process and describe what benefits were gained.
Mr Battle said:
"In today's challenging conditions, investment in the right equipment, technology and management methods is a key to the success of the business enterprise and the economy. Any glance at the international competition suggests the need for increased levels of carefully planned and justified investment - and for a constructive partnership between industry and finance to help bring this about.
"The Government believes that the task facing senior managers in addressing investment issues can be made easier if the arguments for and information about appropriate investment are set out clearly and comprehensively. These two practical booklets "Money and Machines" and "Informed Investment" are intended to help with that task.
"Money and Machines" provides guidance on the financing of investment and is designed to encourage improved information flows between SMEs and finance providers. Various organisations such as the Bank of England, British Bankers Association and the EEF collaborated on the booklet.
"Informed Investment" describes the benefits which companies can derive from investing in modern manufacturing equipment.
Copies of both are available from DTI, ADMAIL 528, London SW1W 8YT.
SINGAPORE NEWS
Contributed by Bernice Kuo, kuopb@singnet.com.sg
AsemConnectAt the Asia Europe Business Forum, the gateway AsemConnect was launched recently in London during the Asia-Europe Meeting. The gateway is a platform to promote business & trade services, and this will benefit small and medium companies in 25 European and Asian countries. The gateway website hosted by Singapore, will assist small & medium companies to obtain business & market information. They will be able to link up with each other through the Internet, as the AsemConnect will serve as an online meeting place for 25 Asem trading partners. Currently, it provides links to 11 countries' business resources, and other business services.
Credit card crooks and 'plastic pilferers' are being swiped out of action, according to official research published by the Home Office.
The report - Prevention of Plastic Card Fraud - found that plastic fraud losses fell from #165.6 million in 1991 to #97.1 million in 1996. The report highlights a number of further crime prevention measures designed to pin thieves down even further.
Announcing the findings, Home Office minister Alun Michael congratulated the banking and card serving industry for measures put in place to prevent theft, but stressed the results were in no way an indication that efforts could be relaxed to tackle this area of crime.
Mr Michael said:
"I am pleased that this research has concluded plastic card fraud has declined over the last five years but, as the figures clearly illustrate, plastic fraud still represents a considerable crime problem.
"The industry has worked extremely hard tightening the distribution procedures for credit cards and in cross checking security arrangements but I believe fraudsters are unlikely to accept defeat passively.
"The industry and individual owners must remain extra vigilant in order to stamp out the plastic fraudsters."
Key findings from the research found:
Extra measures of these include:
"Reducing the range of opportunities to offend is the key to success, particularly when all those involved act together as responsible guardians. There are steps we can all take to tackle this area of crime and a multi-agency approach is essential to stay one step ahead of criminals."
In 1991 University of Cardiff researcher Professor Levi produced a report for the Home Office - The Prevention of Cheque and Credit Card Fraud - which offered suggestions on tackling the problem of escalating plastic card fraud. As a result the Association for Payment and Clearing Services designed a strategy for addressing the problem. This involved changes to the delivery, authorisation procedures and the use of improved technology. Research findings issued last week sought to evaluate the success of the APACS strategy and identify lessons for the future.
# pounds sterling
WHISTLEBLOWER SHOPS UNLAWFUL CARTEL
A few discarded scraps of paper, sellotaped back together, helped the OFT uncover a secret and unlawful cartel involving five companies supplying over half the ceiling tiles in the UK.
Referring the companies to the Restrictive Practices Court, John Bridgeman, Director General of Fair Trading said: 'Some sharp eyed person retrieved the scraps of paper, realised their importance and once re-assembled, recognised it as a price-fixing agreement in the supply of ceiling tiles. Another anonymous source in the industry sent the evidence to us.'
The resulting OFT investigation revealed two price fixing agreements involving the Midlands and Scotland areas; and the Midlands, Scotland and the West Country.
The five companies referred to court are: Ceilings Distribution Ltd of Sheffield, C P Supplies Ltd of Birmingham, Commercial Ceiling Factors Ltd of Reading, Capco Interior Supplies Ltd of London and Nevill Long Ltd of London.
Mr Bridgeman has applied to the Court for a declaration that the restrictions in the agreements are against the public interest and for orders against the companies prohibiting them from giving effect to those restrictions, from entering into similar agreements, and from enforcing or trying to enforce further registrable agreements which have not been formally submitted to the Office for registration as required by the Act.
Mr Bridgeman said: 'Secret cartels are totally unacceptable and should be exposed by anyone who knows of their existence. Price-fixing can only operate to the ultimate detriment of the consumer. For this reason, the anonymous suppliers of the information are to be commended for their actions. I would like to see more people coming forward in this way.
'Had this case been considered and determined under the proposed competition legislation, then a substantial fine would have been the likely consequence.'
Under the Restrictive Trade Practices Act 1976, details of agreements between two or more persons carrying on business in the UK in the supply of goods or services must be furnished to the Director General of Fair Trading for registration if two or more parties to the agreement accept certain kinds of restriction on their commercial freedom. To be subject to registration, an agreement need not be contractually binding and oral agreements may be caught. The restrictions in the agreement are void and legally unenforceable if the agreement is not furnished to the Office within the time limits laid down in the Act. It is unlawful for parties to the agreement carrying on business in the UK to give effect to, or enforce or purport to enforce, the restrictions contained in the agreement, before particulars of the agreement are duly furnished.
Section 1 of the Act, subject to certain exceptions, requires the Director General to refer all registered agreements to the Restrictive Practices Court for a ruling as to whether the restrictions in an agreement operate against the public interest.
The Court may order the parties not to give effect to, or enforce or try to enforce, the restrictions in the agreement and not to make any other similar agreements.
If particulars of a registrable agreement are not furnished within the time required by the Act, or the parties give effect to, or enforce or purport to enforce, the restrictions before formally submitting the agreement to the Director General for registration, section 35 of the Act empowers the Director General to apply to the Court for an order to be made restraining any party to the agreement, who carries on business in the UK, from giving effect to, or enforcing or trying to enforce, the restrictions in the agreement, or the restrictions in any other registrable agreement, details of which have not been notified in time, or until such details are notified. Anyone adversely affected by the operation of such an agreement has grounds for action in the civil courts.
APPOINTMENT OF OFFICIAL RECEIVER
The Secretary of State for Trade and Industry has presented petitions to the High Court to wind up, in the public interest, Capitol Incentives Limited and Sterling Direct Promotions Limited, following an investigation under Section 447 of the Companies Act 1985.
On the application of the Secretary of State, the Court appointed the Official Receiver as provisional liquidator of the companies on 7 April 1998, pending the hearing of the petitions on 22 April 1998.
Capitol Incentives Limited, incorporated on 11 May 1997 and Sterling Direct Promotions Limited, incorporated on 20 January 1998 and who trade from Chapletown, Sheffield, have successively promoted a "cashback promotion".
The cashback promotion is a sales and marketing promotion which is operated by authorised suppliers and allows their customers to claim back all or part of the price paid for goods or services, just prior to the end of a five-year period, provided that a number of pre set conditions are met in full.
The Department has been unable to confirm either the existence of the financial status of the Turkish insurer shown as liable to honour the cashback liabilities in due course. The companies have insufficient resources to meet any potential liabilities.
The registered office of Capitol Incentives Limited is Thorncliffe Hall, Thorncliffe Park, Chapletown, South Yorkshire S35 2PH.
The registered office of Sterling Direct Promotions Limited is 35-47, North Church Street, Sheffield S1 2DH.
The petitions were presented under Section 124A of the Insolvency Act 1986.
All public enquiries concerning the companies should be made to:
The Official Receiver
21, Bloomsbury Street
London
WC1B 3SS
*** Forthcoming Creditors Meetings ***
Contributed byhttp://www.insolvency.co.uk
For more detailed information and ALL the British Isles insolvency's (liquidation's, receiverships, administrations, dividends, creditors) please visit http://www.insolvency.co.uk
From 13/04/98 to 21/04/98 Number of Creditor meetings : 170 Section Company Time Venue 138 Scotland - Interim Liquidator calling Creditors Meeting 13/04/98 William Devenny & Son Ltd 11.00 am Glasgow 15/04/98 Balmore Glazing Company Ltd 11.00 am Glasgow 16/04/98 Oakbank Properties Ltd 11.00 am Glasgow 17/04/98 Fitzsimmons Ltd 12.00 pm Glasgow 20/04/98 Bruianch Developments Ltd 10.00 am Inverness Gylemuir Trailers (Newbridge) Ltd 10.30 am Edinburgh Inverplas (Northern) Ltd 11.30 am Inverness Thistle Electrics Ltd 11.00 am Inverness 21/04/98 CCG Consulting Services Ltd 10.00 am Glasgow CCG Cost Analysis Ltd 10.00 am Glasgow Carter Consulting Group Ltd 10.00 am Glasgow Johnson Shopfitting Ltd 10.00 am Glasgow 23 Administrator Calling a meeting of Creditors 14/04/98 L S International Office Installations 11.00 am Bristol 20/04/98 Rediscovered Origin by Harry Brown Ltd 11.00 am Leeds 48 Receiver calling unsecured Creditors Meeting 15/04/98 Crossman Telecom Ltd 11.30 am London QED Display Ltd 11.00 am London 16/04/98 Walrus Waterproofs Ltd 10.00 am Nottingham 17/04/98 Mascalls Care Homes Ltd 02.00 pm London RFR Coatings Ltd 10.30 am London RFR Electronics Ltd 10.30 am London Rider Fenn & Ridgeway Plc 10.30 am London 21/04/98 John Marshall Engineers Ltd 02.00 pm Birmingham Structural Plastics Ltd 10.30 am Sheffield 95 Members converting to Creditors Voluntary Liquidation 14/04/98 Tayside Community Business Ltd 02.00 pm Dundee 98 Creditors Voluntary Liquidations 13/04/98 Simple Management Systems Ltd 11.30 am London 14/04/98 Admass (UK) Ltd 11.30 am Manchester African Mining Corporation Plc 12.00 pm London Brunswick Corporation Ltd 10.30 am Leeds Burns & Laird Ltd 11.30 AM Fife C S L Exports Ltd 11.00 am York Dexterity Displays Ltd 10.45 am Leicester E.C. Technologies Ltd 12.00 pm London Eight Ball Computing Ltd 11.00 am London Fashion Dream Ltd 11.00 am Edgware Freeway (Sheerness) Ltd 12.00 pm London Global Car Hire Ltd 03.00 pm London Innotec International Ltd 11.30 am Altrincham John Toon Ltd 12.00 pm Birmingham Livesey Quality Frozen Foods Ltd 12.00 pm Manchester Mass Coatings Ltd 03.00 pm Billericay Maybank Interiors Ltd 11.30 am Manchester Newsco Ltd 02.00 pm London Origin Corporation Ltd - The 10.00 am Edinburgh Pasadena Associates Ltd 10.30 am Hornchurch Pobear Ice Ltd 11.00 am Glasgow Premier Staff Ltd 04.00 pm London Ready Sector Ltd 11.00 am Manchester Southall Court (Homes) Ltd 11.30 am London T D Fletcher Ltd 11.00 am London Total Employment Ltd 04.00 pm Reading W T Incar Systems Ltd 12.00 pm Stockport Woodbank UK (Mechan & Electrical) Ltd 11.00 am Sheffield 15/04/98 A H Cooke (Builders) Ltd 11.00 am Brighton Advanced Nationwide Couriers Ltd 11.00 am London Bamforddrange Ltd 02.30 pm Hale Beef Link Ltd 10.30 am Taunton Briscoe Management Services Ltd 10.30 am London Cars of Chorley Ltd 11.30 am Altrincham Chess Control Systems Ltd 02.30 pm Newmarket Direct Merchants Ltd 10.00 am Sheffield Fleet Homes Ltd 10.00 am Winchester H J Trading Ltd 11.00 am London Hayes Developments Ltd 02.30 pm Southampton Intraline Systems Ltd 10.00 am London K'Ford Flooring & Indust Services Ltd 04.00 pm Birmingham Leamington Garage Ltd 11.00 am Bromsgrove Lendros Ltd 11.30 am Manchester Leyton Leasing Ltd 02.00 pm Greenford Linepower Ltd 11.00 am London Metropolitan Maintenance Ltd 11.30 am London Mixline Ltd 02.15 pm London Nationwide Gas Services Ltd 11.00 am Sheffield Newmark Constructions Ltd 11.30 am Hale Oakbright UK Ltd 02.30 pm Eastbourne Omec Ltd 03.30 pm London Paris Ltd 11.00 am London Pinepace Ltd 11.00 am Greenford Qualityface Ltd 03.30 pm London Regal Double Glazing (UK) Ltd 11.00 am London Russell Bancroft Ltd 10.30 am London Scandinavian Palstics Ltd 11.00 am St Albans Structural Contractors Ltd 11.30 am Altrincham Touche Computers Ltd 02.00 pm London Visionwise Ltd 03.30 pm London 16/04/98 Ascomm Ltd 11.00 am London Associated Response Ltd 12.00 pm London BACC (Carpets) Ltd 10.30 am Loughton Bancom Ltd 12.00 pm Birmingahm Barbra B Ltd 11.00 am Rochdale Better Value Embroidary Ltd 11.30 am London Bristol Chamois Ltd 12.00 pm Reading Chechmate (East Anglia) Ltd 11.30 am Lutterworth David Duroe Design & Build Ltd 11.00 am Sheffield Filona Ltd 03.30 pm London GB Express (Southern) Ltd 11.00 am Southampton Ghassan Kamha Partners Ltd 12.00 pm Manchester I & J Mellor Ltd 10.30 am Halifax I T P Ltd 10.30 am London Interstates International Ltd 11.30 am Stevenage Langton Interiors Ltd 12.45 pm London Mobile Response Ltd 11.30 am Manchester Mustard Design Ltd 11.30 am Manchester Niche Radio Ltd 12.30 pm London Nicole of London Fashions Ltd 03.00 pm London O N C Ltd 10.30 am Morden Opus (HRD) Ltd 11.00 am Bromsgrove Remote Technology Ltd 10.30 am Sunderland Robbco Suto Factors Ltd 11.30 am Guildford Sandwich Centre Ltd - The 12.00 pm Manchester Secor (International) Ltd 11.45 am Evesham Southsea Dental Laboratories Ltd 11.00 am Southampton Tudor Caravans Ltd 11.30 am North Ferriby Turrets Ltd - The 12.00 pm London Vision Corporation Ltd - The 12.00 pm London 17/04/98 Allplates Ltd 10.30 am Reading Anchor Transport Holdings Ltd 11.00 am Needham Market Book Builders Ltd 11.30 am London Brotherton Enginerring Ltd 02.30 pm Manchester Bwlch-Ton Mining Company (Neath) Ltd 10.30 am Cardiff Cheshire Metals Ltd 11.30 am Warrington Clulows Ltd 11.00 am Derby Copap Ltd 11.30 am Southend-on-Sea Dalro Construction Company Ltd 02.00 pm Newport Digital Delivery Ltd 10.30 am Paisley Dragen Autospares Ltd 12.00 pm Holywell Eldima Ltd 10.15 am Bromley Electric Windings Ltd 12.00 pm Southend-on-Sea Encompass Exhibitions Ltd 11.30 am Lutterworth Eurofile Ltd 12.00 pm Reading Finaledge Ltd 10.30 am Halifax First Call (N I ) Ltd 10.00 am Belfast Frymain Ltd 12.00 pm London Global Food Machinery Ltd 12.00 pm Grimsby Gunform Ltd 11.00 am Manchester Imagination (Leathers) Ltd 03.00 pm Northwood Interactive Electronics Ltd 11.00 am Northampton Manor Prperties Ltd 10.30 am Crawley Mount Snack Foods Ltd - The 12.00 pm Bolton Norton Folgate Commercial Finance Ltd 10.30 am Sutton Oakwood Management Ltd 11.00 am Birmingham Perpetuum Ltd 02.15 pm Batley Peter Briddock Ltd 11.30 am Bingham Sai Informatics Ltd 11.30 am London VTI Fertasco (UK) Ltd 02.30 pm Branston Woodquest Ltd 11.00 am London 20/04/98 Blendcharm Ltd 03.00 pm London Bodycare Fashions Ltd 03.30 pm London Caliban Services Ltd 11.30 am Preston Coram Communications Ltd 12.00 pm London Crownstone Consultabts Ltd 02.00 pm London Database Computer Hardware Ltd 11.00 am Southend-on-Sea Elegance Enterprises Ltd 11.00 am London Hadfield Designs Ltd 11.00 am Manchester Rockwell Insulations (GB) Ltd 03.30 pm Lutterworth Rural Leisure Ltd 12.00 pm London Sheffield Centrals Graphics Ltd 12.00 pm Halifax Ststemtime Ltd 03.00 pm London W M H (No 21) Ltd 10.15 am London W M H (No 50) Ltd 10.15 am London Water Meadow Holdings Ltd 10.15 am London 21/04/98 Anderson Brothers (Westerhope) Ltd 10.00 am Newcastle-u-Tyne Ashdale Food Company Ltd 11.00 am Sheffield Flintwell Foods Ltd 11.30 am Altrincham Gerald Berry (Variety Store) Ltd 11.00 am Glasgow Haines & Isaacs Ltd 11.30 am Epsom Nelsongate Ltd 11.00 am Birmingham Orion (Hides) Ltd 10.30 am Driffield Regionl Airtime Servics Ltd 12.00 pm Glasgow Stable Management Company Ltd 12.00 pm London Stock Design (UK) LTd 11.00 am Haywards Heath
TW LW TW LW
USA 1.6689 1.6687 Canada 2.3715 2.3703
Austria 21.5784 21.7065 Portugal 314.180 316.069
France 10.2849 10.3384 Belgium 63.6220 63.6309
Finland 9.3210 9.3696 Italy 3029.56 3042.29
Germany 3.0688 3.0854 Sweden 13.3473 13.3754
Holland 3.4573 3.4767 Switzerland 2.5495 2.5491
Spain 260.450 261.777 Ireland 1.2184 1.2266
Australia 2.5437 2.5432 Denmark 11.7310 11.7580
Hong Kong 12.9315 12.9311 ECU 1.5456 1.5512
Africa Com 8.4279 8.4144 Saudi Arabia 6.2589 6.2585
India 66.1240 65.9345 Malaysia 6.2045 6.2535
Singapore 2.7092 2.76986 Norway 12.7478 12.7709
Japan 224.700 222.688
TW This week LW Last week.
Headlam has announced pre-tax profits of 18.1 million pounds, on turnover of 270.3 million, for the year ending 31st December 1997. Earnings per share stand at 19.3p.
McKechnie, the engineering group, has announced pre-tax profits of 28.6 million pounds, on turnover of 328.5 million, for the six months ending 31 st January 1998. Earnings per share stand at 20.5p.
RJB Mining has announced pre-tax profits of 172.5 million pounds, on turnover of 1,124 million, for the year ending 31st December 1997. Earnings per share stand at 79p. The company has been criticised by the Department of Trade and Industry for not protecting its market share by cutting costs.
MERGER CLEARANCE
The Secretary of State for Trade and Industry has decided, on the information at present before her, and in accordance with the recommendation of the Director General of Fair Trading, not to refer the following mergers to the Monopolies and Mergers Commission under the provisions of the Fair Trading Act 1973:Proposed acquisition by Hutchison Ports Holdings of Harwich International (Holdings) Ltd.
Proposed acquisition by Milner Estates plc of Five Oaks Investments plc.
Acquisition by Cookson Group plc of KSR International Limited and Flogates Limited.
Acquisition by Candover Investments plc of certain assets of UPN (Holdings) Limited, namely Northern Regional Titles.
Proposed acquisition by API Group Plc of assets of Markem Corporation, namely Astor Universal Corporation and Astor Universal Ltd.
Proposed acquisition by Sibir Energy Plc of Pentex Energy Plc.
16 April West of Scotland Branch meeting of the ICM 6.15 for 6.30pm Quiz Night - Members and friends welcome. George House, 50 George Square, Glasgow +Buffet & Drinks 20 April Bristol & West of England Branch meeting of the ICM 6.30 for 7.00pm The Role of the Sheriffs Officer Presented by Michael Heyden, Sheriffs Officer for Gloucestershire White House Hotel, Staverton, Cheltenham + Buffet 20 April Wessex Branch meeting of the ICM 6.45 for 7.3Opm The Spring Budget - Ian Nichol of Coopers and Lybrand returns for the annual review of the budget. The Vine Inn, Romsey Road, Ower (Junc 2/M27) 21 April Chilterns Branch meeting of the ICM Time TBA Social Evening at Bedford Megabowl 21 April North East Branch meeting of the ICM 7.00 for 7.30pm The Role of the Trade Protection Association Presentation by Phil Garrett, Humberside Trade Protection Association The Marina Post House Hotel, Hull + Buffet 21 April Sheffield Branch meeting of the ICM 5.30 for 5.45pm Coopers & Lybrand CDI Challenge (Interactive computer game for 4 teams - prize for winning team) Coopers and Lybrand. 1 East Parade, Sheffield (next to Cathedral) + Hot Buffet & Drinks Places limited - phone Paula Cassidy on 0114 2598358 to avoid disappointment 22 April Merseyside & North Wales Branch meeting of the ICM 6.00pm The Woolf Report Presentation by Claire Sandbrook of Burchell & Rushton Intrum Justitia. 4th Floor, 47 North John Street, Liverpool + Buffet 22nd - 24th April Business OnLine 98 Hotel Okura Amsterdam, Holland 01923-354405 www.gigaweb.com/events 23 April Kent Branch meeting of the ICM 7.30pm Individual Voluntary Arrangements (Mock Meeting of Creditors) by The Players, Moore Stephens Booth White. The Royal Victoria and Bull Hotel, Rochester + Fish & Chip Supper Bookings for Kent Branch meetings - Ian Mella (tel: 01233 756253) Members - £3; Non-Members - £3.50; Students - £1 27 April Norfolk Branch meeting of the ICM Time TBA Creative Accounting - The Balance Sheet Which Lies Presentation by Cork Gully - how unscrupulous directors try to mislead the users of financial statements. Venue TBA 6 May West Midlands Branch meeting of the ICM 6.30 for 7.00pm An Evening of Light Entertainment by Carl Chinn Tickets are available at £2.50, at each monthly meeting Members and guests welcome. Venue as 1 April +Wine & Buffet 11 May Stoke on Trent Branch meeting of the ICM 6.30 for 7.00pm The Internet Presentation by Equifax Europe Ltd Chamber of Commerce. Etruria, Stoke-on-Trent + Refreshments 12 May London Branch meeting of the ICM 6.00 for 6.30pm Forensic Accounting - an Inside Perspective Rick Helsby, partner in charge of Cooper & Lybrands forensic accounting division. London Transport Property. 55 Broadway, London SW1 Nearest tube St. James Park 12-14 May UK Spring Internet World National Hall, Olympia, London 01865-388-000 www.interworld.co.uk 19th May The ICM 1998 National Conference and Exhibition World Trade - The Credit Perspective The Cumberland Hotel, Marble Arch, London W1 Attendees and Exhibitors please call the Training Department at the ICM. Tel 01780-721888
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