Good news for anyone who'd like the opportunity to meet face to face the people who run the debt collection agencies, the ones that make money out of harassing people with financial problems. Well, they will all be at the same place on Tuesday 9th and Wednesday 10th February 2010 at the The Leicester Marriott Smith Way, Grove Park, Leicester, LE19 1SW. The following link is for the Itinerary of their two day conference on how to f**k up and intimidate normal hard working people and make even more money out of us. http://www.csa-uk.com/media/editor/file/HYM%20Programme.pdf below is the above pdf in case it's moved or removed. Programme 09.00 Registration 09.15 Welcome from New President Roger Lucas Update from DBSG Chairman Leigh Berkley 09.45 Meet the CSA Board and DBSG Governing Committee - Aims and plans for 2010 going forward 10.15 Q&A with the Panel 9.00 MORNING SESSIONS 10.30 Networking Break 12.45 Lunch Please Note: The workshops do run in parallel, timings match to allow you to move between workshops if you choose. Debt Buying and Selling 11.35 Are Purchasers now moving into Contingency Collections OR is there a move from Contingency Collections into Debt Purchase? A Debate SPEAKERS: Fredrickson International Ltd 12.05 Client Audits for Sellers - Going forward are client audits for sellers by the CSA DBSG the answer for stretched sellers departments? SPEAKERS: Sarah Marshall, Senior Manager, Recoveries, Santander Collections 11.35 Is there still a true business to business collection market? Are Consumer Collectors moving into B2B Collections OR are B2B Collectors moving into Consumer Collections? A debate SPEAKERS: Martin Smith, Risk & Compliance Director, Close Credit Management Limited AND 12.05 Consumers testing the Industry Websites Debt Management Plans Judgements Claims Management SPEAKERS: Denise Crossley, Managing Director, Improved Financial Solutions Ltd AND Bob Kingdon, Operation Audit & Strategy Controller, 1st Credit Limited Compliance Clinic 14.00 The CSA & DBSG Members Only Compliance Clinic is not only a fantastic opportunity for you to update yourself on compliance matters effecting the Industry, but it is also a unique chance to network and exchange views with other members who share the same area of expertise as you. With updates on regulatory requirements and including open and interactive discussion on the topics that matter most to you as a business, the Compliance Clinic will have the answers. Trace Consumer Fact Sheet and Advice Guide The CSA, has been working on an advice guide for consumers on how to effectively and proactively deal with the frustration of mis-trace. The Information Commissioners Office is delighted that the CSA is taking such positive steps to assist consumers, and have agreed to endorse the factsheet. Further information will be provided in the meeting. 15.30 CLOSE 11.00 Ratios in the World of Collections and Debt Buying and Selling are Changing - An Overview SPEAKER: Nigel Stirk, Partner, OC&C Strategy Consultants Wednesday 10th February 2010 - Conference Day Tuesday 9th February 2010 - Networking Reception The networking reception grows in size every year and with an expected 160 members for this year’s event—make sure your name is on the list. This is a great way for members to network, develop business opportunities and relax in the Atmosphere of the evening. At this years networking evening, we will have TOPICAL TABLES, which will be hosted by your Board Members and Governing Committee making this the ideal opportunity to put your questions on particular issues forward and to find out what the plans are for 2010, within the particular areas such as Training, Money Advice or Compliance. Simply pick your table on the night and make your voice heard. Places are always in high demand so make sure you book your place. CHANGING MARKETS - WORKSHOPS Leicester Marriott Hotel Details The Leicester Marriott is located in a quiet business park, minutes from the M1 Motorway. Leicester Marriott Smith Way Grove Park Leicester LE19 1SW (For Sat Nav. Enter: LE19 1SU) United Kingdom Telephone 01162 820100 Fax 01162 820101 Web: Leicester Marriott Hotel | Leicester Hotels | Hotels in Leicester | 4 Star Hotels in Leicester | Accommodation in Leicester

Improved Financial Solutions trades under different names like CDUK.........so if they loose one license, they just start another company trading. Of course it's always the same people and the same parent company. Which is why it's important to target the parent company. Write to the OFT stating your complaints and highlight it's Improved Financial Solutions trading as CDUK. In the meantime bombard Denise Crossley (Director) or Caroline Burston (Collection Manager) with as many calls and emails as possible, use free email accounts if you want to keep anonymity, give them a taste of their own medicine. [email protected] [email protected] Denise Crossley has made a fortune on the misery and misfortune of others, she won't change unless she is forced to by us. Don't give up, these people are cowards, they think they can't be traced and confronted, I've proved this isn't the case and I'll post all the emails and addresses in the near future, so you all can contact them direct.....then lets see how they like it. Just remember don't do anything illegal.

Through the electoral register, companies house and linkedin I'm getting all the available details of the directors of IMFS (Improved Financial Solutions) and CDUK. I will post everything I'm legally allowed and nothing more as I won't resort to their unlawful tactics. In the meantime if you want to email either Denise Crossley (Director) or Caroline Burston (Collection Manager) their emails are:- [email protected] [email protected] I am sure they would love to hear about all the abuse their staff give people, I say the more emails they receive the better.

Collect Direct, it’s the trading name of Improved Financial Services Improved Financial Services web address is IMFS - Passionate about debt recovery... and sorry for the typo but it's Denise Crossley.

Improved Financial Services web address is IMFS - Passionate about debt recovery... and sorry for the typo but it's Denise Crossley.

Ok the more of us who complain to the OFT the better, It's always a good plan to record the conversations, not sure every mobile can do it, but mine has a recorder facility and I use that to record the conversations.......it's amazing how polite they become when they realise they are being recorded. Also the more of us that ring their proper number 0113 259 6900 the better, as they can't hide behind anonymity. Ask to speak to Denise Crossely or Caroline Burston. Lets let them know how it feels to get continuous calls. We can win this battle and get companies like Improved Financial Services struck off and ensure women like Denise Crossely are barred from obtain another consumer credit license. I had a great credit rating until I lost my job through redundancy, now I'm having to battle these companies on a daily basis, they prey on fear and by trying to intimidate you with scare tactics. Unfortunately most times these tactics work, but if you take simple steps you can make sure they treat you with the respect you deserve. Yes there are the odd few respectful companies......but they have to compete against the likes of Denise Crossely.......and the massive profits her companies make.......yes Denise......I have done my homework and I know everything about you. How does that feel?

Collect Direct, it’s the trading name of Improved Financial Services. Denise Crossely is the managing director Caroline Burston the Collections Manager. The companies real phone number is 0113 259 6900. If you get hassle from them report them to the Office of Fair Trading, their Consumer Credit License is 559133. Their address is Jason House, Kerry Hill, Horsworth, Leeds LS18 THEY ARE UNDER INVESTIGATION FROM THE OFFICE OF FAIR TRADING FOR HARASSMENT AND FOR USING UNLAWFUL PRACTICES. You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

They are a company called Collect Direct, it’s the trading name of Improved Financial Services. Denise Crossely is the managing director (LINK TO HER PICTURE BELOW) http://www.imfs.co.uk/downloads/sp-dec06.pdf and Caroline Burston the Collections Manager. The companies real phone number is 0113 259 6900. If you get hassle from them report them to the Office of Fair Trading, their Consumer Credit License is 559133. Their address is Jason House, Kerry Hill, Horsworth, Leeds LS18 THEY ARE UNDER INVESTIGATION FROM THE OFFICE OF FAIR TRADING FOR HARASSMENT AND FOR USING UNLAWFUL PRACTICES. You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.

Collect Direct, it’s the trading name of Improved Financial Services. Denise Crossely is the managing director and Caroline Burston the Collections Manager. The companies real phone number is 0113 259 6900. If you get hassle from them report them to the Office of Fair Trading, their Consumer Credit License is 559133. Their address is Jason House, Kerry Hill, Horsworth, Leeds LS18 THEY ARE UNDER INVESTIGATION FROM THE OFFICE OF FAIR TRADING FOR HARASSMENT AND FOR USING UNLAWFUL PRACTICES. You can also report them to the Credit Services Association Limited, Wingrove House, Ponteland Road, Newcastle upon Tyne NE5 3AJ Tel: 0191 2865656 Fax: 0191 2860900 Email: [email protected] The more of us who complain the sooner they will be struck off.