Thursday, 31 January 2013

ICE PACC Software

Recently, we have had an increase in the demand for our ICE PACC computer software and so, due to this influx of interest, we have decided to give an overview of this innovative system which so far has had a 100% success rate.

The International credit enforcement pro-active credit control system, or ICE PACC as it is better known as, has been designed to reduce costs that are associated with the maintenance of a large credit control and recovery department; this is achieved through allowing a single user to maintain hundreds of accounts while having the benefits of external debt recovery through I-Credit Enforcement if they so wish. The ICE PACC is fully automated once a company, invoice and the payment terms have been added to the account.

The features of the ICE PACC are:-

  • To credit check and monitor the credit file of your client or potential client, to assure that the credit given by the company does not exceed the maximum amount of credit recommended for the client. This reduces the risk of bad debt for the company and it also ensures that the client is able to contain his debt.
  • To monitor your payment history with the client and affect the credit status on ICE PACC accordingly. 
  • Free pre-legal recovery: This is included in the ICE PACC programme along with the 7 and 14 day late payment reminders on I-Credit Enforcement header paper
  • To allow you to note your interactions with customers, clients and sales prospects.
  • To allow you to uphold the integrity of your business whilst helping to recover from bad debt.
  • To alert you by email when a payment is due or overdue.
  • To provide access anytime and anywhere as long as you have internet access.
  • Basic updated terms and conditions that can be customised to your requirements and customer satisfaction forms.
  • Lists of all open and overdue orders.
  • Working with a traffic light system that shows both current credit file status and current dealings with the client's status i.e. awaiting satisfaction form, new terms not signed, review date etc.
If the need does arise, I-Credit Enforcement will be able to take over the debt recovery process on an ad-hoc basis. As all of the accounts are loaded onto our online system, passing the account or accounts for recovery to I-Credit Enforcement is quick and simple as we can receive the data straight from the system. You can request individual actions on an account, for example, we can make a single telephone call, visit the debtor in person, take legal action, send out a severe letter or instigate a 28 day recovery. 

All of this, including the 100% success rate, makes this service extremely cost effective. Unlike many other credit management and debt recovery packages, the ICE PACC does not require a large capital outlay. Set up, which includes loading the account into ICE PACC is £295 + VAT and £25.00 for any additional credits. These credits are valid for one year once used.

Our subscription based model is designed to ensure that we can tailor the package to suit all of the customers needs and all sizes of budget.

If you require any more information take a look at the following video that takes you through the software system If you have any questions regarding ICE PACC or are interested in using this system in your business please call us on 0118 3240 338 or email us at 

Tuesday, 15 January 2013

ICredit Enforcement services

It is a new year and with it comes wonderful new business prospects for ICredit Enforcement. All will be revealed in good time but until then we thought that we would provide a recap of the many services from ICredit Enforcement that have helped so many businesses solve their debt problems.

First and foremost, ICredit Enforcement is the only debt collection company to offer pre legal, legal and collection services all under one roof. Along with an in-house legal team, this unique service allows each case to be handled quickly and efficiently with advice for each customer just a phone call away.

Commercial Debt Recovery, Consumer Debt Recovery, International Debt Recovery: We cover many areas if debt recovery to ensure that we are able to help everyone who seek our help. We have many clients that have specific requirements to the recovery of the accounts in arrears. We tailor our services and activities to the specific requirements made by our clients to ensure that the accounts are settled quickly and efficiently and that the clients are completely involved at all times.

Bailiff Enforcement: We have certificated bailiffs and High Court Enforcement officers that work tirelessly to ensure that our clients accounts our settled. I Credit Enforcement manages and executes fast and effective methods of recovery on your behalf with The Sheriffs Office, the Authorised High Court Enforcement Officers.

ICEPACC: ICE PACC is pro-active credit control software that supports businesses in maximising their cash flow and reducing the risk of bad debt. An online product, ICE PACC provides credit checks and credit control processes as well as free pre-legal debt recovery. With prices starting from just £50 per month, it is the affordable way to minimise exposure to bad debt and improve credit management with an organisation.

The key features of this software are:-

Instant credit checks on a subscriber’s new or existing customers,
Credit alerts – any changes to a customer’s credit status are automatically notified to the ICPACC subscriber,
Credit control processes and due diligence that limit the risk of bad debt,
Paperwork for your customers including terms and conditions,
Full pre legal debt recovery.

For more information on ICredit Enforcement and the services that we provide, go to

Take a look at our revolutionary ICEPACC software at and, for a limited time only, we are offering prospective clients a reduction in the starting price. Just quote BLOGICE to get your software from just £25 per month!


Tuesday, 4 December 2012

Meet Richard Gray - New In-House Counsel

ICredit Enforcement are please to introduce the highly esteemed barrister Richard Grey to the company. As the new In-House Counsel, his strong reputation and hard working ethics will provide all our clients with concise and reliable legal advice. 

Here is his profile:-

Richard Gray


Richard Gray was called to the Bar at the Middle Temple in November 1986. Commencing his Pupillage in 1987 at Chambers in Liverpool, his practice was mainly Crime and Common Law, pursuing actions against the police and personal injury matters in the field of industrial disease.

In 1991, Richard joined Chambers in Manchester where he largely enjoyed success as a Criminal Defence Barrister. It was in this field that his particular strength in robust cross-examination coupled with an ability to critically analyse issues, in particular those which required complex disclosure arguments in the area of public interest immunity, was recognised by a number of solicitors firms with whom he enjoyed long and successful relationships. 

Richard’s strong cross-examination skills along with a number of acquittals on behalf of his clients, has enabled him to move successfully to other contentious areas of law. At the end of the 1990s, Richard moved away from his criminal practice although, due to being held in such high regard, he is held on retainer with a high profile Criminal Solicitors in Manchester. Richard developed an interest in expanding other areas of practice such as employment and regulatory work and additionally began to study various areas of taxation and commercial law. These areas of practice have gradually expanded at the Bar and he has appeared for such firms as Mowlem Plc and Coca Cola in the Employment Tribunal.

Experience in Dubai and the UAE

In 2009, Richard was approached to assist an expat who was detained in Dubai due to a series of dishonoured cheques and he was asked to look into areas of negligence by his client's previous legal advisers. This meant that Richard had to visit the UAE a number of times to liaise with Emirate Lawyers and the Dubai authorities, in particular the Attorney General's office and the office of the Chief Prosecutor. He persuaded them that pursuing his client, who had been acquitted on one charge, was both duplicitous and an abuse of the process of the court and four similar charges based upon the same evidence should not be proceeded with.

Richard’s concise arguments have recently been used in the Court of Cassation by the office of His Excellency The Attorney General of Dubai. Richard has also sought to persuade the authorities in Dubai that numerous charges based upon a single course of conduct should result in both concurrent sentences and consideration of the principle of totality.

Negligence in the Emirate

Whilst negotiating contracts in the Emirate, Richard has had cause to extensively consider the law in relation to negligence to limited liability and its effect upon the company official. 
This research and the principle of ‘Service Out of the Jurisdiction’ of the courts
of England and Wales, has resulted in Richard recently lecturing in October 2012 to
the Solicitors Group in Manchester on precisely the same subject.


In May 2012, Richard was introduced to the Directors and Associates  of ICE to provide privilege legal advice to their clients which Richard enjoys as a practising barrister. This has resulted in a successful relationship between Richard and the company whereby the company clients, who’s legal issues are both complex and various, have sought advice from Richard and have largely been successful in the issues they pursue.

At present, ICE has asked Richard to act as ‘In-House Counsel’ presenting Richard with a variety of issues in relation to the field of debt recovery, bankruptcy and winding up petitions. Later this year, both he and the directors and associates plan to visit the Emirate of Dubai, where they hope to assist the various clients in the complex field of debt recovery and enforcement of international credit agreements.

Richard has strong ties with various agencies in the UAE and will be a considerable asset to the clients of ICE in the resolution of various legal disputes.


In spite of his busy schedule, Richard has several hobbies to help him relax. He enjoys running, skiing and free fall parachuting as he is an ex member of the Parachute Regiment. In the quieter moments, he enjoys getting lost in his favourite book, which is Gorky Park by Martin Cruz Smith.

If you would like to contact Richard for legal advice or with any questions you may have please call ICE on 0118 3240 335 or email

Wednesday, 24 October 2012

The Beginning of ICE PACC

Every business is created from a single idea and Gareth Thomas’s evolved from the growing need to find a way to recover owed monies from slow paying or non-paying clients. Due to recurring factors such as pre-pack administrations, lack of due diligence by creditors, disputes and absconding debtors, some businesses were struggling with their bad debt and Gareth felt that this problem needed to be addressed urgently.
Gareth’s first venture was setting up Financial Solutions South in 2007 which specialised in commercial debt recovery and, even though this business really took off, he wanted to develop a system which gave business owners access to the very best in credit control software without having to employ a debt management firm. By working side by side with CCS LTD, who had developed the collection software Colsys, the innovative International Credit Enforcement Pro-Active Credit Control, or ICE PACC, was born in 2009 and, soon after its launch, it won the backing of Institute of Credit Management (ICM).
ICE PACC is an online credit management tool which has revolutionised the way businesses are able to manage cash flow and minimise bad debt. It's a simple but powerful online tool which gives businesses, from sole traders to corporate businesses, the power to manage each stage of the credit control process, from assessing a client or supplier's risk profile to successfully recovering bad debts. It also offers free pre-legal debt recovery which includes professional written reminders, legal documentation and agreement plans along with door-step collections (adhering to strict codes of conduct) recorded on video, for transparency where necessary, to ensure that the integrity of all businesses are upheld whilst helping with the recovery of bad debt.
The success rate of ICE PACC has rocketed in the last 3 years with 90% of debts being collected before legal action was pursued. This excellent performance, along with a fantastic working relationship, has seen ICE PACC become global with businesses as far as Dubai integrating ICE PACC as part of their standard operating procedure for credit control.
If you would like more information on the ICE PACC software system, contact 0118 324 0335 or visit

Thursday, 9 August 2012

Your Debt Recovery Questions Answered

Firstly, we would like to thank you for all of your questions regarding credit management and debt. Your response has been overwhelming and so we will continue to post questions and answers for the next few weeks. If there are any questions that we have not answered on debt recovery or credit management then please don't hesitate to tweet, facebook or email us.

Q. What are the different stages of the debt recovery?

A. There are three stages of the debt recovery process which are pre-legal, legal and enforcement.

Q. What do each of these stages involve?

A. The first stage is pre-legal which takes 28 days to complete. If the creditor is owed money and the payment is overdue, a first letter is issued stating payment is required within the next 7 days. After those 7 days, if no payment has been received, a second letter is sent giving a further 7 days to make payment. After this 14 day period, if the debtor still has not made payment, a letter before action is issued giving the debtor 14 days to pay before legal action is pursued.

The second stage of this process is legal action. This is where a judgement is sort against the debtor through the courts. If it is successful and judgement is granted, then enforcement can occur. However, if it is disputed by the debtor, the case is passed to a legal team for appraisal and assistance in gaining the judgement.

The final stage is enforcement which occurs if judgement from the legal process is granted. This consists of a number of options such as enforcement through the courts via attachment of earnings or third party debt orders to name a few. The most favourable option is for the judgment to be transferred up to high court for enforcement by High Court Enforcement Officers.

Q. Why is your company different to all the others in regards to debt recovery?

A. By having our own sheriff and in house legal team, we can pride ourselves on being the only company who complete the pre-legal, legal and enforcement stages all under one roof. By offering this service, it allows the client feel confident and secure in the notion that from initial take on to enforcement, one company will be involved in the recovery of their debt.

If you have anymore questions or any experiences that you would like to share with us, contact us on any of the addresses below:-

Twitter: @icepacc

Saturday, 21 July 2012

Your Credit Questions Answered

Over the past few months, we have had a number of enquiries from prospective clients about credit and how to manage it. Below are just a few of the questions we have had and our answers to them:-

Q. What is credit?

A. Credit comes from the latin word 'credere' which means to trust. It is the ability to obtain goods or services before payment and trusting that payment will be given in the future which allows the person granting the credit to sell more goods.

Q. What is the role of credit in the financial system?

A. There are several different types of credit used within the economy such as trade credit, export credit and consumer credit:

Trade credit is the largest use of credit for a majority of businesses. This is where the customer purchases goods or services from the supplier on account to pay them back at a later date. When the goods are delivered, a set amount of time is given for payment such as 30,60 or 90 days. Without trade credit, the supplier would have a limited access to market their products which would lead to a lack of commercial viability.

Export credit allows UK businesses to reach similar markets overseas. Without this form of credit, overseas businesses would choose local suppliers over international ones which will cause a lack of demand for goods from the UK.

Consumer credit is mainly used to encourage a long term demand for houses, cars, consumer goods and services to the public. Without this, there would be a drastic reduction in demand for these items which would affect the house market and several industries which would result in job losses.

Q. What is meant by bad debt?

A. Bad debt is the amount written off by the business as a loss and is deemed as an expense to the company. This occurs when the business has exhausted all avenues of collection and has been unable to recover the debt.

Q. Is there a difference between credit control and credit management?

A. No, they are one and the same. Credit control and credit management is when companies increase their sales revenue by extending credit to customers who are deemed a good credit risk and denying credit to consumers who aren't a good credit risk as this reduces the company's exposure to bad debt. 

These are just a few questions that were asked. If you would like any of your credit questions answered just comment on this page, email us at, tweet us at @ICEPACC or facebook us. We are happy to help!

Tuesday, 10 July 2012

England's Law Courts Rule

England’s law courts are being inundated with disputes involving the super-rich from across the globe. The high-profile battle of billionaires Boris Berezovsky and Roman Abramovich is just one of dozens of overseas cases filling the High Court, which appear to have little to do with this country. Nine out of 10 commercial cases handled by London law firms now have an international link, according to government statistics. Ministers say London’s concentration of “legal and financial” expertise is unrivalled, while the Ministry of Justice said the Rolls Building, the new High Court extension, is the largest “specialist centre” in the world for the resolution of commercial disputes. Home-based lawyers believe it is all down to the quality of English justice in comparison with foreign legal systems. David Allen, head of litigation in London for the Mayer Brown law firm, said the High Court attracts such cases because English justice is the envy of the world. “We have extremely high calibre judges here so commercial parties can rely on a rational decision. They are not corruptible, which is more than can be said about the jurisdictions from which some of these parties hail,” he said. “The English courts are quick and efficient and deliver judgments which are rational, fair and swiftly delivered.” The judgment in the Berezovsky v Abramovich case — in which the rivals are haggling over shares in a Russian company — is expected to be handed down by Mrs Justice Gloster before the Easter break. It will be followed next month, also in the Commercial Court division of the High Court, by another showdown between eastern European oligarchs Michael Cherney and Oleg Deripaska. This also is a dispute over shares. The biggest winners from the surge in overseas cases are the barristers and law firms. But courtroom translators and interpreters are also benefiting. An interpreter providing simultaneous translation of proceedings can charge £300 a day. An oligarch would often use their own translator, who would be on a far greater salary. The Ministry of Justice has an annual budget of £60 million for interpreter services for courts, including criminal courts. Oligarchs at war in the capital Boris Berezovsky v Roman Abramovich Judgment awaited in claim for £3.2 billion damages. Berezovsky alleges that his rival intimidated him into selling shares in oil company Sibneft for a fraction of their true worth. Abramovich says there was no formal agreement and denies that he threatened Berezovsky. Michael Cherney v Oleg Deripaska Trial due to start in May over a £2.3 billion claim; Cherney alleges an unpaid debt and is demanding the equivalent of one fifth of Deripaska’s company, Rusal. Deripaska rejects the claim, making counter allegations against his opponent. JSC BTA bank v Mukhtar Ablyazov Litigation running for two years between the Kazakhstan state-owned bank and its former boss. It claims he stole more than $5 billion. Ablyazov was sentenced to prison for contempt of court last month. He is believed to have fled to France. Commentary: Roubles and dollars roll in Never have the corridors of the High Court echoed so much to Russian voices. Court benches are piled high with files packed with documents in Cyrillic script pinned to English translations. In the Cold War days Russians were depicted as hatchet-faced men in greatcoats with snow on their boots. Now they come in Savile Row suits and polished leather shoes and with a trophy wife on their arm. Highly-paid lawyers are loving it but is the expansion in overseas cases with little apparent link to Britain in danger of turning the commercial courts into a version of libel tourism? Equally, are our courts being filled with these cases at the expense of justice for English cases? The answer to both questions is probably no. English Contract law is recognised as being fair and reasonable and not weighted in favour of the litigant. And its cases are coming to court far faster now that judges have been put in no doubt that they are responsible for time-keeping. But the efficiencies brought in at the High Court — where cases mostly operate without a jury — are attracting untold millions in euros, dollars and roubles. At a time of recession that is not to be dismissed lightly.