CBC International

UK retailers ready for record online sales this Christmas!

December 10th, 2013

Cyber Monday online salesDecember taking set to break through £10bn for first time as internet shopping accounts for largest ever share of all sales.

UK retailers are looking forward to a jump in online shopping this Christmas as they battle for the custom of hard-pressed shoppers with deals and express delivery offers.

Online retail revenues will be up sharply on last Christmas and December takings will break though the £10bn barrier for the first time, according to industry group IMRG and consultants Capgemini.

A separate report from the British Retail Consortium suggests online trade rose to a record portion of all sales last month. The BRC’s monthly sales monitor with consultants KPMG said volumes were up 0.8% on a like-for-like basis from October 2012 as unseasonably warm weather saw clothing sales fall but gadgets, games and home accessories all enjoyed growth. That compared with an annual fall of 0.1% in October 2012.

Of last month’s sales, 18.3% were online, the highest proportion since the BRC’s records on internet shopping volumes began two years ago.

The BRC’s director general, Helen Dickinson, said: “It’s expected that many of us will ‘click into Christmas’ more than ever before this year, and retailers have invested significantly in user-friendly websites, fast deliveries and convenient ways of buying in-store, at home or on the move.”

The report from IMRG and Capgemini pointed to conversion rates – those people who buy online after browsing – reaching a five-year high of 5% in the run-up to this Christmas.

It forecast consumer spending with online retailers will reach £10.8bn in December.

The busiest day overall in terms of sales volume will be Monday 2 December although the peak day does vary by retailer, the report added. Department store chain John Lewis predicts the busiest day in the run-up to Christmas will be ‘Cyber Sunday’, 1 December, when shoppers, armed with one of the final pay packets of the year, will buy most of their presents.

Tina Spooner, chief information officer at IMRG, said the latest signals on the rising conversion rate were promising for the industry.

“For the first time in three years we expect annual e-retail growth to exceed the level recorded in the previous year, with 2013 sales on target to achieve 15% growth on last year,” she said.

“Already we are seeing a number of retailers ramping up their online offering in the run-up to Christmas. Click and collect, next-day delivery and even one-hour delivery slots are just a few of the options on offer to attract the lucrative festive shopper at this highly competitive time of year.”

Please note: Information in this blog post is content property of The Guardian (http://www.theguardian.com) and the full original article can be found by clicking here.


CBC & Social Media

December 4th, 2013

Over the last two years we have been actively trying to improve our Social Media presence across a number of different platforms. To date, we have over 2000 likes, follows & connections, some of which we’re now delighted to be able to call clients.

Social Media is a powerful tool for an SME like ourselves and we encourage you all to connect with each other and promote your businesses throughout the UK & across the World.

If you would like to connect with us, please use the following links below.  We look forward to speaking with you online!

Facebook – https://www.facebook.com/pages/CBC-International/157715437597305
Twitter – https://twitter.com/CBC_Liverpool
LinkedIn – www.linkedin.com/company/cbc-international
Google+ – https://plus.google.com/101960808494133939068
Pinterest – www.pinterest.com/cbcliverpool/



The Sekundi network expands into South America, Mexico & The Caribbean

December 2nd, 2013

6 ways to improve your credit rating

November 28th, 2013

Believe it or not, having no credit rating at all isn’t necessarily a good thing.

Sure, none of us want to be snowed under with bills we can’t pay and in constant fear of debt collectors knocking on the door, but when lenders come to decide on your application; it helps if you have some form of rating for them to base a decision on – and the higher the better.

So here are 6 ways to ensure that you are achieving the best credit rating possible, as well as what to do if you’re not.

1. Review your credit report regularly

Every time you make an application for credit; whether it’s a new credit card, loan or even a mobile phone, the lender will study your credit rating before progressing with your application. But if a mistake has been made with your credit rating it’s important that you correct it as soon as possible so that you aren’t being punished. If you are no longer with a partner or living at an address that could be reflecting poorly on your credit score, then make sure you change these details as quickly as possible.

If you feel any information is incorrect or that there may be an explanation for a poor credit score (such as illness, divorce or other circumstances), you can you can add a “Notice of Correction” to your credit report.

2. Make your repayments and pay on time

A poor re-payment history can work against you when it comes to securing further credit. If a lender sees that you have been missing payments or even not making them at all, then this could have a negative impact on your application. Pay at least the minimum amount due each month and make sure not to exceed your agreed credit limit – as this information can stay on your credit report for as long as six years.

3. Register to vote at your current address

Lenders will use the electoral role to prove that you are who you are and you live where you say you do. Make sure you are registered to vote at the address that you currently live to ensure you are not paying the price for someone else’s poor credit rating – literally.

4. Close any old accounts

When it comes to your bank and credit card accounts, it’s always better to have fewer well-managed accounts than lots of accounts that have been opened and never used. It’s always wise to close accounts that you don’t use – as lenders don’t just look at what you owe, they also take note of credit that is available to you

5. Protect your identity at all times

Any strange activity appearing on your statements could suggest that you have been the victim of credit card fraud. As well as the obvious problems this can cause in terms of cost and disruption; large and irregular transactions can also have a bearing on your credit rating. If you feel you have been the victim fraud then you should contact your lender or card issuer immediately.

6. Don’t apply too often

When you apply for credit you leave what is called a “Credit Footprint.” This shows lenders where and when you have applied for a loan, card or any other form of credit. A high concentration of applications could suggest to anyone looking at your credit rating that you are facing financial hardship and could ultimately affect an application. Don’t adopt a scattergun approach; think long and hard about your requirements and only ask for what you need.

For more information on credit, view one of our earlier posts on ‘Things to consider before getting a credit card’.

Happy Hanukkah!

November 28th, 2013

We would like to wish all of our Jewish clients a Happy Hanukkah!






Sekundi Logo Unveiled!

November 20th, 2013

We are pleased to announce the launch of our new Sekundi logo, which is part of the ongoing development of the Sekundi brand throughout the United Kingdom & Republic of Ireland.

The Sekundi group was a concept created by three founding partners in 2008.  Its formation was designed to assist clients throughout Europe recover money quickly and efficiently, whilst utilising a network of local specialists. This meant that language would no longer be a barrier when conducting debt recovery work, as collections are dealt with in the local language.

Since its creation, Sekundi has developed into a network of partners that is able to assist clients in 21 different countries throughout Europe and North Africa.  The network continues to grow and is constantly sourcing new partners to service additional territories.

To find out more about the services offered by the Sekundi network and how we can assist you, please click here.

Company Announcement – Change Of Address

November 13th, 2013

As of 13th November 2013, CBC International will be based at the following address

CBC International
5th Floor
The Corn Exchange
Fenwick Street
United Kingdom
L2 7QL

All correspondence to our previous address in Silkhouse Court is being diverted to our new address however, if you any queries, you can speak with our team on 0151 515 3014, email us or contact us online.

5 things to consider before getting a credit card

November 12th, 2013

Rather like a car, a credit card is something that we all turn to (well, most of us) to improve our daily lives, despite the fact that it has the ability to do us some serious harm.

There’s no doubting the fact that our flexible friend has made life easier over the past 30 years or so; paying for holidays, booking tickets, getting the shopping – it’s never been so simple.

But if they are not used correctly the damage can be costly in so many ways.

If you would like the financial flexibility that a credit card can offer, but still aren’t quite sure – consider these five facts before signing on the dotted line.

1. Why are you getting a credit card?

If you’re the type of person that will pay off the balance of your card each month, a credit card can be a handy addition to your wallet. However, if you’re the type to use the card for every day purchases, trips to the shops and nights out; then a credit card may not be for you. Large interest rates can mean that maintaining a balance on a card for any period of time may be expensive. Anyone looking for a cash injection or quick-fix would be better off considering an overdraft or even a small loan.

2. Compare interest rates

Not all credit cards are the same. Many offer different terms and conditions; not to mention varying interest rates. If you’re one of those sensible types that will pay off what you owe at the end of the month, then this need not bother you. But seeing as most of us only have a certain amount to pay-off our bills; choosing a card with the lowest interest rate is a wise move. Shop around and find a card that won’t be costing you the earth in interest each time the bill drops through the letterbox.

3. Look at credit limits

Try and choose a credit card that has a limit to reflect your needs. Put simply – if you just want a card to cover general expenses until the end of the month, you won’t need a credit limit of £15,000. The more you use a credit card the greater the likelihood is that the lender will increase your limit anyway. This doesn’t cost you anything and makes no difference to your original arrangement. However, if you don’t trust yourself with a whopping great sum of money at your finger tips; you can always ask them to reduce your limit.

4. Be aware of fees

If it’s not through high interest rates then credit card companies will often look to make money out of unsuspecting borrowers some other way. When you apply for a card be sure to look at things like late payment fees or penalties for exceeding your credit limit, as these can quickly mount up. On the other hand you can always use these fees to your advantage. Many lenders will offer promotional rates on balance transfers – meaning you can consolidate any other store or credit card debt you have on to one card with a cheaper, monthly payment.

5. Look for the benefits

As well as helping you out of a tight fix, credit cards can benefit you in other ways if used correctly. Most card companies will offer some kind of reward to their customers in order to encourage them to use the card. These can be anything from points that can be redeemed in high street stores to air miles or vouchers. So look to see if a card offers a particularly good benefit scheme before signing up.

Lest We Forget – Remembrance Day

November 11th, 2013

Each year in November, the United Kingdom remembers the men and women who gave their lives in the two World Wars and subsequent conflicts.

11th November is known as Armistice Day, Remembrance Day or Poppy Day.

During the First World War, on the 11th hour of the 11th day of the 11th month in 1918, the guns of the Western Front fell silent after more than four years of continuous warfare.  In many parts of the world, people observe a two-minute of silence at 11am on 11th November.

Events will be held in 2014 to mark 100 years since the outbreak of the First World War, Armistice Day (in 2018), and the dates of major battles in between. Prime Minister David Cameron has pledged more than £50m will be spent on commemorating the centenary.  Funding will be spent on transforming the Imperial War Museum in London and also on establishing a programme to allow children to visit battlefields.  The Treasury will add another £5m to the £35m refurbishment of the galleries at the Imperial War Museum, taking money from fines imposed on financial services companies for misconduct.

‘For The Fallen’ – Laurence Binyon 1914

With proud thanksgiving, a mother for her children,
England mourns for her dead across the sea.
Flesh of her flesh they were, spirit of her spirit,
Fallen in the cause of the free.

Solemn the drums thrill; Death august and royal
Sings sorrow up into immortal spheres,
There is music in the midst of desolation
And a glory that shines upon our tears.

They went with songs to the battle, they were young,
Straight of limb, true of eye, steady and aglow.
They were staunch to the end against odds uncounted;
They fell with their faces to the foe.

They shall grow not old, as we that are left grow old:
Age shall not weary them, nor the years contemn.
At the going down of the sun and in the morning
We will remember them.

They mingle not with their laughing comrades again;
They sit no more at familiar tables of home;
They have no lot in our labour of the day-time;
They sleep beyond England’s foam.

But where our desires are and our hopes profound,
Felt as a well-spring that is hidden from sight,
To the innermost heart of their own land they are known
As the stars are known to the Night;

As the stars that shall be bright when we are dust,
Moving in marches upon the heavenly plain;
As the stars that are starry in the time of our darkness,
To the end, to the end, they remain

 Lest We Forget

CBC to attend annual Sekundi partner meeting in London

October 16th, 2013

We are pleased to confirm that CBC will be attending the annual Sekundi partner meeting, which this year is being held in London on 25th October 2013.

Our history with Sekundi dates back to November 2009 when we announced that we had joined their network of European recovery agents.

Sekundi was a concept created by three founding partners to assist clients throughout Europe to recover money quickly and efficiently, whilst utilising a network of local specialists.  This meant that language would no longer be a barrier when conducting debt recovery work, as collections are dealt with in the local language.  In addition to the language benefits, all partners within the group have a great deal of expertise in professional credit management and an in depth knowledge of their local legislation, rules & standard practices.  This is vital for clients who wish to receive a high quality service and excellent results.

The design and development of each partner’s scope of services is individually coordinated based on regional demands.  The result of this is that different services can be offered in individual countries. Please find below, examples of such services:

Business Reports, Credit Management Policies, Debt Recovery, Legal Services, Debt Dispute & Mediation Services, Credit Control Training, Credit Control Outsourcing, Cash Flow Finance, Credit Insurance

Since it’s creation in 2008, Sekundi has developed into a network of partners that can assist clients in 21 different countries throughout Europe and North Africa.  A list of partners can be found here.

Should you require any further information on how this partnership can benefit you, please contact us on +44 (0) 151 515 3014, email us or contact us online.

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