MARKETING OPPORTUNITIES 2016

t: +44 (0) 1274 714959 e: [email protected] www.ccta.co.uk twitter: @CCTAvoice © Consumer Credit Trade Association A company Limited by guarantee ...
2 downloads 2 Views 2MB Size
t: +44 (0) 1274 714959 e: [email protected] www.ccta.co.uk

twitter: @CCTAvoice © Consumer Credit Trade Association A company Limited by guarantee in England Registered number 00034278. VAT No. 232 4655

MARKETING OPPORTUNITIES 2016

MARKETING | CONTENTS

becoming a member

the who, what, when, where, how & how much!

our community

what we do for our members

sponsorship & networking

up close and personal - the face to face option

making your mark

getting your message out there

www.ccta.co.uk

online opportunities - the CCTA hub

about us

a modern, dynamic & forward thinking association

marketing

GETTING TO KNOW US about us 4 our brand 5 www.ccta.co.uk 6

MAKING YOUR MARK online advertising magazine advertising sponsored magazine articles mail shot promotion

7 8 9 10

SPONSORSHIP & NETWORKING regulatory inform sponsorship conference sponsorship training sponsorship seminar sponsorship

11 12 14 16

OUR COMMUNITY

4

6

7

11

18

22

what we do for our members how to join

18 22

subscription bands & application form

24

MARKETING | OUR BRAND

ON BRAND

THE CHAT shaping the industry for 125+ years ensuring our members are heard and understood

CCTA members

community and confabulation!

CCTA is a modern, dynamic and forward thinking association. We pride ourselves on a strong independent voice and a proven track record, having been established since 1891.

Est. 1891

360+

@CCTAvoice As twitter novices in early 2015, we’ve jumped in head first. Primarily we use social media to keep our members up to date with industry and CCTA news. We are always happy to re-tweet information that will be of interest or use to our followers, and will be expanding the nest in 2016.

Our membership represents all businesses involved in consumer credit. Our mission is to meet their needs in a professional, cost effective and easily accessible way, by providing innovative services. True to our lobbying reputation, we strive to take the weight of legislative change, constantly pushing for better regulation. We are a rare mix of old and new that does not stand still, but embraces the best of the past and present. We are passionate about the future of our industry, and welcome like minded businesses.

22+

2016 planned events

TWO DAY

2016 conference & gala dinner

2015 FEEDBACK - WHAT OUR MEMBERS THINK on the right track less than 1% feel our service needs improvement there when they need us 82% feel that our level of contact is right marks out of 10 80% rate our standard of service highly keeping an eye on the ball the remaining 20% are happy that we ‘fulfil’ their need

MEMBERSHIP BREAKDOWN

125+ years established

The Consumer Credit Trade Association Linkedin home page can be reached from our website, but with over 5,000+ wconnections, the one to really watch is Greg Stevens our CEO.

CLEAR & POLISHED the ethos... a reputation that rests firmly on the integrity of our brand

violet

lime

grey

CMYK 72 / 84 / 0 / 0 RGB 102 / 74 / 158 pantone 266 C web #664a9e

CMYK 26 / 0 / 100 / 0 RGB 200 / 218 / 43 pantone 389 C web #c8da2b

CMYK 65 / 51 / 44 / 16 RGB 96 / 105 / 114 pantone 431 C web #606972

For over 125 years the CCTA brand has been synonymous with professionalism and integrity. In an industry that tends by nature to lean towards the austere, we are ever mindful of our image. Yes the association has a long and powerful history, and yes we appreciate the seriousness of the business we are in, but at CCTA we make it a priority to not only move with the times, but to lead. Our brand has evolved to reflect our corporate ethos and contemporary attitude. Membership brings with it the benefit of our reputation, and the option to use our easily recognised and highly regarded brand.

other supplier broker

4

grantor

Note: The above figures are based on membership renewal feedback forms, statistic collation 2013 onward.

5

MARKETING | ONLINE

MARKETING | ONLINE £2,040 PER YEAR

ONLINE

ONLINE ADVERTISING ‘missing links’ - maximum market dynamic advertising banner - straight to your site Our website has been designed to make life as easy as possible, including access to our dynamic advertising banner ‘the missing link’. The CCTA unique ‘fixed page’ format means that these feature spots are visible, wherever our visitors decide to browse, making sure that they get the maximum exposure. The banner scrolls to the left approximately every three seconds, revealing a loop of further links. On average, over a five minute period, each image will appear a minimum of six times, and once clicked, will open at the chosen web page. Visitors also have the option to scroll through the links at their own pace. The site services the needs of our 360+ members, all regular visitors, and all involved in the industry. Credit related web searches will generally find CCTA in the top ten listings, ensuring a satisfying hit rate from businesses outside the membership.

ONLINE - CCTA.CO.UK

HOW IT WORKS the maximum number of links we will run at any given time is 16 cost per year £2,040 excluding VAT - under £6 per day you can renew and update the link at any time during the years subscription

the CCTA membership management hub Originally built as a membership management and information tool, our website has gone from strength to strength. Credit association related searches will generally find CCTA in the top ten listings, and 31,500+ hits a year indicates that the site generates a good deal of public interest from around the globe – either that or our 360+ members are extremely busy!

GOOGLE FACTS:

a link image with all fonts embedded 196 x 196 pixels

resolution 96dpi, RGB, jpeg, pdf, eps, tif a link website address

PUBLIC PAGES OFFER:

strapline with a maximum of 36 characters

500+ visitors per week 20,000+ new visitors per year

news board industry links, press and media details

WHAT TO DO NEXT





To note your interest and check availability

6,000+ returning visitors per year 31,500+ sessions per year 72,500+ page views per year high visibility on Google top ten search listing unique fixed page format banner advertising opportunities

code of practice and complaint conciliation details event bookings and information training bookings and information fully compliant credit agreements our current publications promotional opportunity details joining information

FROM THE PASSWORD PROTECTED ‘MEMBER ONLY’ AREA:

6

WE WILL NEED

view and re-view all their account details contact our legal advice line search our member database download CCTA logos & codes of practice download Early Settlements & APR calculators FOC



view a back catalogue of CCTA publications submit an article for upcoming issues of our magazine claim training and conference discounts book ‘member exclusive’ events claim credit agreement discounts or purchase copyright

in the first instance contact us with your details: name/company name email address and telephone number company website address, business type and activities



email [email protected] telephone +44 (0) 1274 714959

In line with the CCTA Code, we will research all applications, but once your enquiry has been OK’d you can pay by: BACS: account no: 36182532, sort code: 60-09-15, National Westminster Bank plc. CHEQUE: CCTA, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA. CREDIT CARD: you will be directed to a dedicated online payment form to pay. Your confirmation will be issued and your link activated as soon as payment has been received.

7

MARKETING | ON MESSAGE

MARKETING | ON MESSAGE

FROM £490

FROM £765

MAGAZINE ADVERTISING

SPONSORED ARTICLE

spread the word...

make your mark...

top five member benefits, and most visited web pages

review your sector, position your business

We like to think of the distribution for our quarterly magazine as ‘small but perfectly formed’. We know from the constant flow of positive feedback, that it is considered a leading publication by CEO’s and managing directors alike. If you are looking to get your message onto the right desk, look no further.

We pride ourselves on a magazine that doesn’t follow a script, but evolves in response to the industry around it. We seek out experts with a strong voice to contribute content geared to the needs of our members. If you have something they should know, get in touch to discuss writing an article.

1,000 hard copy distribution

WE WILL NEED hi res company logo and head shot of author

posted to all our members

distributed at various high profile industry conferences

Note: all prices excluding VAT

single page £765 double page spread £1,530

text - word document

accessible from our web home page on average 2,000+ new visitors per month

WE WILL NEED

300dpi, eps, jpeg, minimum width 7cm

PRICE OPTIONS

PRICE OPTIONS

Note: all prices excluding VAT



single page - maximum 1,000 words



double page - maximum 1,500 words

WHAT TO DO NEXT

hi res pdf, eps, jpeg, tif

full page £825

To note your interest and check availability in the first instance contact us with your details:

all fonts embedded/outlined

inside back cover £845

name/company name

page format – A4 3mm trim

outside back cover £970

email address and telephone number

images CMYK at 300dpi

inside half page £490

company website address, business type and activities

Pantones matched out of four colour process

book four same size ads and save 10%

100 word synopsis of your proposed article

WHAT TO DO NEXT



To note your interest and check availability, in the first instance:

In line with the CCTA code, we research all applications, but once your enquiry has been OK’d you can:

email: [email protected]

email [email protected] telephone +44 (0) 1274 714959 email the full article and other items we will need (see above) through to us

call: +44 (0) 1274 714959

organise payment by BACS, cheque or credit card:

In line with the CCTA code, we research all applications, but once your enquiry has been OK’d you can: send your details by email



BACS: account no: 36182532 - sort code: 60-09-15 - National Westminster Bank plc

organise payment by BACS, cheque or credit card:



CHEQUE TO: CCTA, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA CREDIT CARD: you will be directed to a dedicated online payment form to pay.



BACS: account no: 36182532 - sort code: 60-09-15 - National Westminster Bank plc.





CHEQUE: CCTA Advertising, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA.

Your confirmation will be issued and space allocated to your article as soon as payment has been received.



CREDIT CARD: you will be directed to a dedicated online payment form to pay.

Your confirmation will be issued and space allocated to your advertisment as soon as payment has been received.

TERMS & CONDITIONS CCTA may decline your application without stating a reason.

8

2016 EDITORIAL DEADLINES

2016 DROP DATES (est.)

CCTA reserves the right to edit any article in line with association policy. You will be provided with a finished draft for approval and sign off before artwork handover. You will have 24 hours (Monday to Friday) to agree any amendments, before final sign off.

issue 1 – Thursday 10 March issue 2 – Thursday 2 June issue 3 – Thursday 25 August issue 4 – Thursday 24 November

issue 1 - Friday 8 April issue 2 – Friday 1 July issue 3 – Friday 23 September issue 4 – Wednesday 21 December

CCTA reserves the right to cancel the distribution of any publication in the event of any occurrence, act or omission outside the control of CCTA. In such circumstances, a full refund of the payment made for the sponsored article will be given, but nothing more. CCTA accepts no liability whatsoever for any damage or loss, direct or indirect, which may be suffered as a result of the publication of a sponsored article. submitting your article for inclusion will indicate your consent to the above terms and conditions.



9

MARKETING | ON TARGET

MARKETING | ON A RULE

£970 PER MAIL SHOT

new opportunity

CCTA MAIL SHOTS

INFORM SPONSORSHIP

you’ve got mail

annual sponsorship

targeted delivery - hitting the right box

top five favourite member benefits, and most visited web pages

Our e-shot facility is generally used to keep members informed of CCTA training courses and events, and update them with essential regulatory information.

To keep our members in the picture regarding the barrage of regulatory information and change, our legal expert searches each day for judgments and guidance that may be of interest. We send the collated details out via e-publication on a quarterly basis. Distribution is exclusive to our members, although the current issue can always be found on the publications page of our website.

Ever mindful of how most of our inboxes are inundated with promotions, our policy is to restrict third party company mail shot distribution to one each quarter. Inline with our own data protection policy - the offer will not include a distribution list. We will however be able to supply the number of companies and individuals targeted, in this very industry specific opportunity.

£2,150 PER YEAR

HOW IT WORKS e-magazine distribution to 360+ businesses and 1,200+ individuals each quarter logo and 100 word company synopsis on distribution mail shot each quarter logo and 100 word company synopsis on the opening page

HOW IT WORKS distribution - 360+ businesses/1,200+ individuals mail shot test provided agreed distribution date dependant on availability

WE WILL NEED HTML document with any images hosted on your own server

2015 QUARTERS quarter one - 1 January to 31 March quarter two - 1 April to 30 June quater three - 1 July to 30 September quarter four - 1 October to 31 September

PRICE

logo with web link repeated on internal pages

WE WILL NEED 100 word company synopsis

Note: all prices excluding VAT

single mail shot £970

WHAT TO DO NEXT To note your interest and check availability in the first instance contact us with your details: name/company name email address and telephone number company website address, business type and activities

To note your interest and check availability in the first instance contact us with your details: email address and telephone number



company website address, business type and activities

In line with the CCTA code, we research all applications, but once your enquiry has been OK’d we willw:

name/company name

email [email protected] telephone +44 (0) 1274 714959

forward the proposed HTML document with any images hosted directly onto your own server

agree a distribution date and time in the CCTA mail shot schedule - depending on availability

preferred week of mail shot distribution

you can organise payment by BACS, cheque or credit card:

email [email protected] telephone +44 (0) 1274 714959

In line with the CCTA code, we research all applications, but once your enquiry has been OK’d:



BACS: account no: 36182532 - sort code: 60-09-15 - National Westminster Bank plc



CHEQUE TO: CCTA, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA



CREDIT CARD: you will be directed to a dedicated online payment form to pay.

we will agree a distribution date and time in the CCTA mail shot schedule - depending on availability

Your confirmation will be issued as soon as payment has been received.

you can organise payment by BACS, cheque or credit card:

2016 EDITORIAL DEADLINES

2016 DROP DATES (est.)

issue 1 – Friday 19 February issue 2 – Friday 13 May issue 3 – Friday 5 August issue 4 – Monday 7 November

issue 1 - Friday 26 February issue 2 – Friday 20 May issue 3 – Friday 12 August issue 4 – Monday 14 November



BACS: account no: 36182532 - sort code: 60-09-15 - National Westminster Bank plc.



CHEQUE: CCTA Advertising, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA.



CREDIT CARD: you will be directed to a dedicated online payment form to pay.

Your confirmation will be issued and your mail shot formatted as soon as payment has been received.

10

Note: all prices excluding VAT

annual cost for exclusive sponsorship £2,150

hi res company logo : pdf, eps, jpeg, tif (300dpi)

WHAT TO DO NEXT



PRICE

11

MARKETING | ON POINT

MARKETING | ON POINT

new opportunity

ANNUAL CONFERENCE

STRONGER TOGETHER

SPONSORED ARTICLE

FROM £765

Nottingham Belfry Hotel

write an article for the exhibitor brochure

Wednesday 2 and Thursday 3 November 2016

stand out in the crowd - a copy in every delegate bag!

Our 2015 conference, ‘Making the FCA Cut’ , was the first in a trilogy of events that will take consumer credit through authorisation, and into a more settled and balanced era.

Last year we introduced an exhibitor magazine into our delegate packs, providing an opportunity for all our supporters to advertise across the event. To add further depth to the publication, and to maximise delegate reach, we have now added a ‘sponsored article’ feature. If you have something you would like to shout about, here’s your chance.

Throughout the journey to full Financial Conduct Authority (FCA) regulation, the benefits of working alongside CCTA have become increasingly evident. As our members strive to keep up with a barrage of constant change, they turn to us for guidance and information. As an industry we are, without doubt, ‘Stronger Together’. Having reached capacity in our 2014 conference, the 2015 numbers remained steady, inspite of an environment where the authorisation process fully occupied many of our stalwart delegates.

2015 FACTS & FIGURES 200 delegates from108 different companies, 19 exhibition stands, 94 casual dinner guests.

day two - main conference & gala dinner

200 delegates from 115 different companies, 19 exhibition stands, 180 gala dinner guests.

OUR 2016 CONFERENCE WILL... Provide a perfect platform for businesses looking to reach a ‘captive’ credit audience. There will be: a comprehensive mix of credit industry delegates, in a relaxed and frindly atmosphere an impressive line-up of regulatory and industry speakers delegate incentives designed to encourage exhibition stand traffic



prestigious exhibition space extended networking breaks

HOW IT WORKS past sponsors and exhibitors will be contacted early with details and options delegate marketing begins mid-year, when the speaker line-up has been confirmed

PRICE OPTIONS

hi res company logo and head shot of author 300dpi, eps, jpeg, minimum width 7cm text - word document with up to 1,000 words for a single page and 1,750 for a double

FROM £700

day one - making the FCA cut ‘the practicalities’

WE WILL NEED

Note: all prices excluding VAT

single page £765 double page spread £1,530 For full details of what to do next, and relevant terms and conditions, please see page nine of this brochure.

SPONSORSHIP PRICES 2 NOVEMBER - DAY ONE

3 NOVEMBER - DAY TWO

main sponsor

£3650

4

main sponsor

£4740

4

panel/workshop sponsor

£2750

3

panel/workshop sponsor

£2950

3

main hall exhibitor

£1870

12

main hall exhibitor

£2160

12

breakout exhibitor

£1620

6

breakout exhibitor

£2010

6

networking lunch sponsor

£1420

1

networking lunch sponsor

£1420

1

casual dinner & raffle sponsor

£2010

1

reception & gala dinner sponsor £3020

1

gala dinner raffle sponsor

1

£700

FULL EVENT main sponsor

£7240

4

panel/workshop sponsor

£5070

3

main hall exhibitor

£3810

12

breakout exhibitor

£3310

6

networking lunch sponsor

£2340

1

note: all prices excluding VAT

although we try to accommodate everyone, in the interest of fairness we have a ‘first come, first served’ policy

12

13

MARKETING | ON THE BALL

new opportunity

TRAINING SPONSORSHIP

£4,800 PER YEAR

full year promotion via... training programme feature, website presence, mail shots x 22, leaflet drop At CCTA we run a highly respected annual training programme, that has become an industry benchmark for quality. Recommended by attendees and associates alike, our 2015 courses welcomed 388 ‘credit specific’ delegates, across the year. In line with the ever changing face of consumer credit, our 2016 events have evolved to encompass new regulation and initiatives, and are set to attract a broad spectrum of faces to the table. This is an exiting new opportunitiy to associate yourself with CCTA training throughout the season.

PACKAGE DETAILS logo on the front cover and 100 word synopsis on the introduction page of our soft copy training programme, which is easily accessible from the home page of our website, throughout the season logo on event mail shots x 22 - distributed to all members and associates throughout the season logo and 100 word synopsis on the training page of our website + link to own website

MANCHESTER course

date

Holiday Inn Manchester

logo on all delegate confirmations

Authorisation & Beyond (FCA)

2 March

Central Park

option to attach a company pdf to all confirmation emails

Approved Persons Individual Responsibilities (FCA)

16 March

888 Oldham Road

missing link on the scrolling banner of our website throughout the year

Treating Customers Fairly Regime (FCA)

30 March

Manchester

option to add a leaflet to training delegate packs, across all 15 courses

Complaint Handling, Reporting & Publication (FCA)

13 April

M40 2BS

one free delegate place at each event

Post Authorisation Supervision & Reporting (FCA)

27 April

t: +44 (0)161 277 6910

WE WILL NEED hi res company logo : pdf, eps, jpeg, tif (300dpi)

LONDON

Note: all prices excluding VAT

annual sponsorship £4,800

date

Etc. Venues Marble Arch

Authorisation & Beyond (FCA)

11 May

Garfield House

Approved Persons Individual Responsibilities (FCA)

25 May

86 Edgware Road

Treating Customers Fairly Regime (FCA)

8 June

London

WHAT TO DO NEXT

Complaint Handling, Reporting & Publication (FCA)

22 June

W2 2EA

To note your interest and check availability in the first instance contact us with your details:

Post Authorisation Supervision & Reporting (FCA)

6 July

course

company leaflet: maximum size A4 100 word company synopsis

t: +44 (0)207 793 4200

name/company name email address and telephone number

BIRMINGHAM course

date

Jurys Inn Birmingham

Authorisation & Beyond (FCA)

20 July

245 Broad Street

Approved Persons Individual Responsibilities (FCA)

6 September

Birmingham

Treating Customers Fairly Regime (FCA)

21 September

West Midlands

Complaint Handling, Reporting & Publication (FCA)

5 October

Post Authorisation Supervision & Reporting (FCA)

19 October

B1 2HQ t: +44 (0)121 606 9000

TERMS & CONDITIONS

company website address, business type



but once your enquiry has been OK’d: you can organise payment by BACS, cheque or credit card:

BACS: account no: 36182532 - sort code: 60-09-15 National Westminster Bank plc.



CHEQUE: CCTA Advertising, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA.



CREDIT CARD: you will be directed to a dedicated online payment form to pay.

CCTA reserves the right to cancel the distribution of any publication or mail shot it deems to be economically unviable. CCTA reserves the right to cancel any training event where there are an insufficient number of attendees to make the event economically viable, or in the event of any occurrence, act or omission outside the control of CCTA. In such circumstances, a pro rata refund of the full payment made for the sponsorship will be given, but nothing more i.e. for one cancelled training course out of a potential 15, one fifteenth of the total sponsorship charge will be refunded etc. confirming your application will indicate your consent to the above terms and conditions.



email [email protected] telephone +44 (0) 1274 714959

In line with the CCTA code, we research all applications,

CCTA may decline your application without stating a reason.

14

PRICE

Your confirmation will be issued on completion of your application, and as soon as payment has been recieved.

15

MARKETING | ON TARGET FROM £500

SEMINAR SPONSORSHIP up close & personal small and friendly venues ensure one to one networking

PACKAGE DETAILS

BRIEFING SEMINARS

logo on event mail shots distributed to all members

Our regular Briefing Seminars aim to provide in depth information and clarity around current major issues facing our industry. They offer an open debate forum with formal presentations, Q & A sessions, and include legal and regulatory updates.

option to attach a company PDF to all confirmation emails company logo on all delegate confirmations option to display two roller panels at seminar two free delegate places option to distribute a leaflet at the seminar

WE WILL NEED

PRICE

hi res company logo : pdf, eps, jpeg, tif (300dpi) company leaflet: maximum size A4

Note: all prices excluding VAT

single venue sponsorship £500 double venue sponsorship £750 (Leeds & London)

WHAT TO DO NEXT To note your interest and check availability in the first instance contact us with your details: name/company name email address and telephone number company website address, business type and activities the date/venue of the event you are interested in sponsoring



email [email protected] telephone +44 (0) 1274 714959

In line with the CCTA code, we research all applications, but once your enquiry has been OK’d:

A networking lunch provides members and their guests the opportunity to meet CCTA representatives, speakers and like minded professionals. Delegates receive a full briefing pack containing information and presentations from the event.

DIRECTION SEMINARS Direction Seminars do not follow an annual schedule, but evolve around extraordinary change, and in answer to the needs of our members. They are a call to action for directors, non-executive directors and senior managers. They offer an open discussion platform to address immediate concerns facing specific business sectors. Findings are fed into our lobbying initiatives and become core to the natural DNA of the association, as we strive to move our industry forward. The event provides a perfect opportunity for members to flex their vocal chords and make a real difference to their future.

you can organise payment by BACS, cheque or credit card:

BACS: account no: 36182532 - sort code: 60-09-15 - National Westminster Bank plc

SEMINAR SPONSORSHIP



CHEQUE: CCTA Advertising, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA



CREDIT CARD: you will be directed to a dedicated online payment form to pay.

As a general rule of thumb, each seminar we run is held in Leeds and London.

Your confirmation will be issued and on completion of your application, and as soon as payment has been recieved.

2016 BRIEFING SEMINAR DATES SEMINAR ONE SEMINAR TWO

16

4 May LONDON 5 May LEEDS 13 September LONDON 15 September LEEDS

The events are open to members and their guests only, and are promoted through a series of direct mail shots, and in our quarterly magazine. Numbers are restricted and venues small and friendly to encourage delegate participation. The average attendance in 2015 was 32. The seminars usually start with informal refreshments and registration at 9.30 a.m. and include a networking lunch at 1.00 p.m. Full details of packages can be found opposite.

17

WHAT WE DO FOR OUR MEMBERS | COMMUNITY

WHAT WE DO FOR OUR MEMBERS | SUPPORT

Conference Training 2016 DATES AND DETAILS CAN BE FOUND ON OUR WEBSITE open to all Our training schedule offers a wide range of courses covering the day to day needs of the credit business. Full details can be found on our website. Each year we take a fresh look at our offer, providing a comprehensive view of the legal and regulatory challenges facing business, keeping delegates infomed and illustrating ‘competence & credibility’. We welcome everyone involved in credit or lending under any discipline or seniority: owners, directors, company secretaries, legal practitioners, IT personnel, credit management, debt collectors and internal training teams.

18

Seminars 2016 DATES AND DETAILS UP CLOSE & PERSONAL members only Our seminars aim to provide in depth information and clarity around current major issues facing our industry. They offer an open debate forum with formal presentations, Q & A sessions, and include legal and regulatory updates. Briefing Seminars These are sceduled at the beginning of each year, and as a general rule of thumb, each seminar we run is held in Leeds and London. Direction Seminars Direction Seminars do not follow an annual schedule, but evolve around extraordinary change, and in answer to the needs of our members. They are a call to action for directors, non-executive directors and senior managers.

ANNUAL TWO DAY EVENT open to all Our annual conference is a recognised industry ‘date for your diary’. In a relaxed and friendly atmosphere, this two day event delivers an impressive line-up of regulatory and industry speakers and a comprehensive mix of delegates and exhibitors. The open workshop forum encourages active involvement, whilst the presentation pack and attendee list, ensure guests have the full picture. We aim to offer not only a complete overview of the industry’s current standing, but a platform for delegates to gather information and contacts, with a view to the growth of their business. The ‘grand finale’ gala dinner is the perfect antidote to ‘business as usual’.

Weekly News Emails & Online Updates

Publications

AVAILABLE FROM OUR WEBSITE & YOUR INBOX

KEEPING YOU IN THE PICTURE AND IN THE KNOW

Keeping members abreast of changing regulation and fast moving industry news is an important aspect of the CCTA support role.

Members receive subscription to our regular publications, including online access to our full back catalogue.

Our weekly news emails include a synopsis of the latest news, with easy to use links taking the reader directly to a chosen feature. Dedicated and detailed e-bulletins cover those more urgent issues requiring immediate attention. Either way, the information our members need is never more than a click away.

Consumer Credit magazine We pride ourselves on producing a quarterly magazine that doesn’t follow a script, but evolves in response to the industry around it. We seek out experts with courage and a strong voice to write for us. We deliver the news in a ‘no nonsense’ nutshell.

Supporting our regular updates, our online news board is a ‘one stop shop’ listing everything from government releases and requirements, to articles we feel may be of particular interest or use.

Regulatory Inform Each week, our legal expert searches for details of industry related judgments, guidance and announcements. Each quarter we send out an e-magazine update on just how the scales of justice are balancing.

Database SEARCH OUR MEMBERS USING THIS ONLINE TOOL Running any business can be an isolating experience, and consequently in addition to our meet and greet opportunities, we open our database to all members. When a business joins us they select the level of the information they wish to be made accessible. These details are automatically uploaded to our records. The database provides a handy ‘in-house’ search facility for any member looking for industry related services backed by the CCTA code, or simply wanting to contact like-minded individuals. Note: In line with our data protection policy, without prior permission, this information is not released into the public domain.

19

WHAT WE DO FOR OUR MEMBERS | GUIDANCE

Lobbying KEEPING THE COGS MOVING Our vision is to be ‘the’ credible, valued and trusted representative of consumer finance. Our mission is to translate the interest of our members to UK and European regulators. It is difficult for any lone business to flex their muscles with regard to the barrage of regulatory reforms that seem to hit the credit industry on a regular basis. Lobbying is at the heart of our association. Our ultimate aim is to ensure that the voice of our members is heard and understood on a wide landscape of issues, challenging on their behalf, the cost and burden that new law can bring.

20

Our Code INDUSTRY RECOGNISED AND IN LINE WITH FCA THINKING In a tough climate, it is ever important for businesses to show just how seriously they take the issues of competence and compliance. Simply belonging to CCTA is an excellent start. Our members have an industry recognised general code of practice to follow, along with additional ‘sector specific’ codes. Their adherence illustrates to customers and regulators alike, credibility and reliability.

Credit Agreements READY TO USE AND FULLY COMPLIANT We offer a wide range of generic, ready to use, fully compliant credit agreements, designed to suit the industry. These documents are covered by CCTA liability insurance, and on request can be overprinted with company details and logo. Membership attracts not only a 25% discount on hard copies, but also the option to purchase copyright and to embed electronic versions into a working system.

WHAT WE DO FOR OUR MEMBERS | GUIDANCE

Complaints & Conciliation Legal Advice ON HAND TO ANSWER YOUR QUERIES AS THEY ARISE Our in-house specialist is one of the most respected legal minds in the industry, and is on hand to answer any credit related queries our members have. Invaluable advice and guidance is never further than a call or email away. Whether chasing a speedy answer to a ‘quick question’, or looking for a more in depth solution to a problem, CCTA membership provides a comprehensive legal service, which alone often proves to be well worth our subscription fee.

HERE TO HELP IF THINGS EVER GO AWRY At CCTA we operate a free complaint conciliation service, an effective way of dealing promptly, sympathetically, and fairly with potential problems. We aim to offer reassurance to the public that all companies allied to us, trade with integrity or risk expulsion from the association. We are committed to campaigning for best practice in lending, and work continually to raise the standards and increase the visibility and credibility of our industry.

APR Calculator FREE EARLY SETTLEMENT & APR CALCULATOR SOFTWARE EuroSet Reference Standard is a ‘user friendly’ calculation tool for finance agreement settlements that are regulated by the European Consumer Credit Directive (ECCD). It is specifically aimed at the various calculations embodied within the legislation. The Annual Percentage Rate (APR) calculator is a must for credit grantors, making life that little bit easier. This free software is available to all CCTA members in conjunction with Oyster Bay Systems, and is a great money saver, especially for start-up businesses.

21

MEMBERSHIP | HOW TO JOIN

BECOMING A MEMBER JOIN US an industry brought to your door

BULLS EYE!

full details and application form on the following pages

WHEN FILLING IN YOUR APPLICATION be sure to: pay the correct subscription fee provide us with a principal contact, management contact and a

legal/compliance contact. Every contact you list on your application form will receive CCTA email bulletins, alerts and the Regulatory Inform newsletter. If you are a sole trader or small business, you can use the same contact for two or all three positions provide positions/job titles for all contacts you list on your application form, as this will assist us in contacting the relevant person going forward.

TO KEEP YOUR APPLICATION ON TRACK The complete process usually takes between fourteen and twenty one days. To keep things on track, please respond promptly to our emails. This will allow us to fully process your application. Once we receive your membership application and subscription fee, we will be in touch to confirm final details.

JOIN ANYTIME At CCTA, we don’t have just one annual subscription date. Your membership starts when you’re ready for it.

APPLYING IS EASY post



Post your completed application form and cheque to:



CCTA Membership Airedale House, Aire Valley Business Park Dowley Gap Lane, West Yorkshire



BD16 1WA.

if relevant to your business, you will be asked to: provide a copy of your complaint procedure

we keep this on file so our team can refer to it if necessary provide a full list of the company trading names you operate under return a signed copy of our Compliance Confirmation. This will be emailed to you, along with our codes of practice. Once you have implemented the relevant codes, you should sign the corresponding section of the Compliance Confirmation.

all of the above can be emailed to [email protected] Once we have all the documentation we require and your application has been signed off, your membership confirmation and certificate will be issued.

22



online



You can apply for membership at www.ccta.co.uk



and pay by credit card or BACS.



BACS details are on our website.

MEMBERSHIP PACK Once your application has been processed, we will post out your membership pack, including hard copies of our codes of practice, and CCTA membership certificate.

23

MEMBERSHIP | SUBSCRIPTION BANDS

RIGHT FOR YOU

on the right track

more information, more help a bespoke service to fit the needs of your business

CREDIT GRANTORS

PROFESSIONAL SERVICES

band

category

net cost (£)

cost inc VAT

band

category

net cost (£)

cost inc VAT

1

outstandings up to £1 million

947.00

1136.40

19

consultancy

792.00

950.00

2

outstandings + £1 million and up to £2.5 million

1188.00

1425.60

20

solicitors

1345.00

1614.00

3

outstandings + £2.5 million and up to £5 million

1322.00

1586.00

21

legal advisors

1345.00

1614.00

4

outstandings + £5 million and up to £10 million

1502.00

1802.40

22

credit reference agencies

3284.00

3940.80

5

outstandings + £10 million and up to £50 million

2053.00

2463.60

23

credit scoring agencies

3111.00

3733.20

6

outstandings + £50 million and up to £100 million

2607.00

3128.40

24

software developers / system suppliers

1345.00

1614.00

7

outstandings + £100 million and up to £200 million

3234.00

3880.80

25

others

1345.00

1614.00

8

outstandings + £200 million and up to £400 million

4385.00

5262.00

9

outstandings over £400 million

5700.00

6840.00

CREDIT BROKERS

band

category

net cost (£)

cost inc VAT

26

debt collection / tracing services

1345.00

1614.00

27

insolvency practitioners

1345.00

1614.00

band

category

net cost (£)

cost inc VAT

10

gross turnover up to £1 million

947.00

1136.40

11

gross turnover + £1 million and up to £2.5 million

1188.00

1425.60

HIGH RISK

12

gross turnover + 2.5 million and up to £5 million

1322.00

1586.00

band

category

net cost (£)

cost inc VAT

13

gross turnover + £5 million and up to £10 million

1502.00

1802.40

28

logbook loan provider

2035.00

2442.00

14

gross turnover + £10 million and up to £50 million

2053.00

2463.60

29a

home credit provider (outstandings below £5 million)

1893.00

2271.60

15

gross turnover £50 million and up to £100 million

2607.00

3128.40

29b

home credit provider (outstandings above £5 million)

4604.00

5524.80

16

gross turnover over £100 million

3234.00

3880.80

30

pawnbroking services

2035.00

2422.00

31

payday/short term loan provider

2379.00

2854.80

net cost (£)

cost inc VAT

INSURANCE COMPANIES

24

DEBT COLLECTION & TRACING

band

category

net cost (£)

cost inc VAT

MISCELLANEOUS

17

direct insurance

2142.00

2570.00

band

category

18

brokers or intermediary insurancew

2142.00

2570.00

32

specialist group

bespoke

25

MEMBERSHIP | APPLICATION FORM

MEMBERSHIP APPLICATION FORM

3 | BUSINESS DETAILS BUSINESS TYPE please use 1 to indicate your primary function and 2 for any applicable secondary function

Your application is processed upon receipt of your completed form and subscription fee. If you have any queries or require assistance, please call us on +44 (0)1274 714959. Please complete all sections of this application form and return by: post

CCTA, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, BD16 1WA

email [email protected]

□ □ □ □ □

collections / tracing services system suppliers home credit

BUSINESS ACTIVITIES

Please tick the type of application you wish to submit.

please tick as many as applicable

FULL MEMBERSHIP

For companies who have been authorised to trade by the FCA or granted Interim Permission. Also for companies who do not require authorisation from the FCA.



PROVISIONAL MEMBERSHIP

For companies that are not authorised to trade by the FCA and have not been granted Interim Permission. Once authorised to trade, you will be upgraded to full membership. You will then have access to: a full CCTA membership certificate, codes of practice, conciliation service and logos.

2 | COMPANY DETAILS

company name

□ □ □ □ □ □

□ □ □ □

credit broker credit reference agency bank / building society payday/short tem lending

insurance professional services credit scoring logbook loans

other (please specify)

1 | APPLICATION TYPE



□ □ □ □

credit grantor

□ □ □ □ □

computer / data services credit scoring systems finance house/funder mail order retail finance / retailer

asset finance / leasing B2B credit / charge / store card insurance broking motor finance secured lending

□ □ □ □ □

accountancy consultancy legal services personal loans training / education

other (please specify)

4 | COMPANY REGISTRATIONS TYPE

□ limited

□ PLC

□ LLP

□ sole trader

□ partnership

company address

REGISTRATION county & post code telephone

company registration number place of registration OR, tick if not applicable





company email

FCA number of employees

FCA reference number permission type

number of branches

OR, tick if not applicable



□ Interim Permission □ Authorised □



26

27

MEMBERSHIP | APPLICATION FORM

MEMBERSHIP | TERMS & CONDITIONS

terms & conditions 1 | MEMBER SUBSCRIPTIONS

5 | COMPLIANCE

a) All membership applications must be accompanied by full payment (including VAT) of the appropriate annual subscription at the rate quoted in the CCTA Member Bands document. b) All members will be provided, for as long as they remain a member of CCTA, with an annual Subscription Statement to establish the following year’s subscription rate.

I provide, or plan to provide, the following and will be placed in the relevant subscription band:

□ □ □

logbook loans (band 28) pawnbroking services (band 30)

□ □

home credit (band 29a or 29b) payday/short term loans* (band 31)

2 | VARIATIONS OF SUBSCRIPTION RATE CCTA reserves the right to vary the subscription rate at any time to take into account any changes to: a) the objectives of CCTA b) the rate of VAT and c) the business banding of the member.

OR, I will not provide any of the above

3 | INFORMATION, GUIDANCE & ADVICE

6 | EMAIL CONTACTS We require a principal, management and compliance contact in order to process your application. Small businesses and sole traders can fulfil more than one position. As one of your membership benefits, listed contacts will receive bulletins & alerts, Regulatory Inform newsletters and details of upcoming CCTA events. contact

name

position

email

PRINCIPAL

4 | EXCLUSIONS OR LIABILITY CCTA, its officers, employees and the CCTA Council accept no responsibility and/or liability whatsoever and for whatever reason in relation to the provision of information, guidance and advice.

MANAGEMENT

5 | WITHDRAWAL OR RESIGNATION

COMPLIANCE

Any member wishing to withdraw or resign their membership may do so at any time by giving notice in writing to CCTA and by paying with any such notice any unpaid membership subscriptions due up to and including the date of the notice. There is no entitlement to any refund of subscriptions already paid.

ADDITIONAL ADDITIONAL ADDITIONAL ADDITIONAL

7 | MAGAZINE CONTACT Name of hard copy Consumer Credit magazine recipient Note: electronic versions are downloadable from the Members Area.

8 | MEMBER DATABASE CCTA members are placed into a database available to view in the Members Area of the CCTA website. This is not made public and is only used so members may contact each other. Please provide contact details that you wish to appear on your database listing.

DATA PROTECTION CCTA may search any one or more licensed credit reference agencies as part of the assessment of your suitability for membership and any such search may include searches on directors, controllers and partners where applicable and who have consented to such a search. The credit reference agency may retain the details of those searches on its files, which may be viewed by other organisations that make searches. CCTA may, subject to you becoming a member, publish details of your business, which has been provided by you, in the CCTA Register of Members. This information may include details provided by you in your application for membership (excluding the agreed rate of membership subscription). This information may be used to promote CCTA or may be released to other members of CCTA to contact you or a named manager for commercial or other purposes.

DECLARATION I/we declare that: a) I/we have read and understood the CCTA Terms and Conditions of Membership shown above and in particular clause 3 and the exclusion of liability provisions in clause 4 which I/we acknowledge to be reasonable and responsible having regard to, amongst other things, the objectives of CCTA, the amount of the subscription payable and the availability to me/us of other sources of information, guidance and advice. I/we are aware of the wisdom to seek independent legal advice; b) I/we have read and understood the Data Protection statement shown above and hereby give my/our consent to any searches and to the publication of my/our business details in the CCTA Register of Members and to the release of those business details to other members of CCTA for the stated purposes; c) the information provided in support of my/our application is true and accurate in every respect; d) the annual subscription payment is enclosed with this application and is appropriate to the category and size of the organisation to which this application relates e) I/we accept that CCTA may decline this application without stating a reason and, in that event, the CCTA will return the enclosed Membership Application Subscription to me/us. I/we hereby apply for membership of CCTA and accept and agree to be bound by the: a) terms and conditions of membership as shown above; b) Memorandum & Articles of Association (copies available on request); c) CCTA Codes of Practice as amended from time to time.

COMPANY EMAIL

I / we enclose the membership subscription for band

COMPANY TEL

signed

or and on behalf of the applicant firm, duly authorised:

name of signatory

position of signatory

date of application

how did you hear about us?

* as defined in the Financial Conduct Authority Handbook Glossary. For the full definition visit: http://fshandbook.info/FS/html/FCA/Glossary/H

28

All full and group members will have privileged access to information, guidance and advice, given by CCTA, in relation to, amongst other things, Consumer Credit law and Practice and this facility is provided on the understanding that any information, guidance and advice or otherwise is offered a) for the purpose of guidance only and must not be taken as a substitute for professional legal advice and; b) without the formalities of forming any enforceable contract between any member and CCTA.

in the sum of £

inc. VAT

29

CONTACT t: +44 (0) 1274 714959 e: [email protected] www.ccta.co.uk twitter @CCTAvoice

© Consumer Credit Trade Association A company Limited by guarantee in England | Registered No. 00034278 | VAT No. 232 4655