Terms & Conditions of Business

Credit Management Training Ltd Terms and Conditions of Business

This page (together with the documents referred to on it) tells you the terms and conditions on which we will provide you with the courses and course documentation (Courses) listed on our website www.cmtltd.co.uk (our site) to you.  Please read these terms and conditions carefully before making a booking for any Courses from our site.  You should understand that by booking any of our Courses, you agree to be bound by these terms and conditions. You should print a copy of these terms and conditions for future reference.

1.    ABOUT US

The site is operated by Credit Management Training Ltd (CMT) (we).  We are registered in England and Wales under company number 278558 and with our registered office at 1148A Stratford Road, Hall Green, Birmingham B28 8AF.  Our VAT number is 6101490181.  Our Trading address is The Old Surgery, Church Street, Cropwell Bishop, Nottingham NG12 3BY.


2.1    You can book a standard course:

(a)    on-line using the booking form; or
(b)    by contacting us directly with details of the course you wish to attend.

2.2    You can book a customised, in-house course by contacting us directly and discussing your requirements.


3.1    After booking a course, you will receive an e-mail from us acknowledging that we have received your booking.  Please note that this does not mean that your booking has been accepted.  Your booking constitutes an offer to us to purchase delegate places at a course.  All bookings are subject to acceptance by us and we will confirm such acceptance to you by sending you an e-mail that confirms that the booking has been made (Booking Confirmation) and the onus is upon you to ensure that our url has been added to your e-mail whitelist. The contract between us (Contract) will only be formed when we send you the Booking Confirmation.

3.2    The Contract will relate only to those courses whose booking we have confirmed in the Booking Confirmation.  We will not be obliged to deliver any other Courses that may have been part of your booking until the booking of such courses has been confirmed in a separate Booking Confirmation.

3.3    The Contract is governed by English law.


4.1    We reserve the right to levy a course development fee when the customisation of a course, in accordance with clause 2.2, results in the course material being wholly or partly re-written.  This fee will be agreed on a case by case basis and will be confirmed prior to any work being started after which a Booking Confirmation will be sent.


5.1    The following cancellation/transfer fees and periods apply to any cancellations/transfers by you:

Days notice of cancellation/transfer prior to the commencement of the Course and % of course fee to pay:

21-30 working days – 50%
15-20 working days – 75%
14 working days or under (including non-attendance) – 100%
All non-recoverable expenses regardless of when the course was cancelled.

N.B. We do not imply or guarantee that other delegates will attend open (public) courses. Should you not wish to have the course delivered on a one-to-one basis then the cancellation fees detailed above will apply.

5.2    Subject to clause 5.1, if you are contracting as an individual and not for a business you may cancel a Contract at any time within seven working days beginning on the day after you receive the Booking Confirmation.  In this case you will receive a full refund of the price paid for the courses less an administration charge of 25%.

5.3    Should you cancel or transfer a course booking you may attend another course of equal or greater value upon paying the difference (if any).  If you cancel or transfer a course booking then an administration charge will be levied in accordance with the cancellation/transfer fees detailed in clause 5.1 and in addition you will be required to pay the applicable fee for the new course of your choice.

5.4    To cancel or amend a Contract you must inform us by e-mail in the first instance (steve@cmtltd.co.uk) and also in writing.

5.5    You will not have any right to cancel a Contract for the booking of any customised courses.

5.6    We reserve the right to cancel and/or amend any booking at any time without notice to you.


6.1    We will endeavour to send to you by e-mail joining instructions for all courses approximately 10 days prior to the course delivery date.

6.2    Should you not receive such instructions within the period mentioned in clause 6.1 then you should contact us immediately so that such instructions may be delivered to you.


7.1    If you are unable to attend a substitute may attend at no extra charge.  Please inform us of these changes as soon as possible.

7.2    Delegates shall act reasonably throughout the course.  We reserve the right to cease training or expel the delegate should their behaviour be unacceptable to the course provider.


8.1    We reserve the right to amend the course location at short notice; however, we will endeavour to provide you with details of alterations as soon as possible.


9.1    The price of any courses will be:

(a)    as quoted on our site from time to time except in cases of obvious error; or
(b)    where courses are customised, the fee advised by us.

9.2    Prices quoted are exclusive of VAT.

9.3    We reserve the right to amend course fees from time to time, but changes will not affect bookings in respect of which we have already sent you a Booking Confirmation.

9.4    We will normally verify prices as part of our booking confirmation procedures so that, where a course’s correct price is less than our stated price, we will charge the lesser amount for the course.  If a course’s correct price is higher than the price stated on our site we will normally, at our discretion, either contact you for instructions before sending a Booking Confirmation or reject your booking and notify you of such rejection.

9.5    We are under no obligation to provide the course to you at the incorrect (lower) price, even after we have sent you a Booking Confirmation, if the pricing error is obvious and unmistakeable and could have reasonably been recognised by you as a mis-pricing.

10.    PAYMENT

10.1    Payment can be made by Debit/Credit card at the time of booking.  Should you choose to be invoiced, we will endeavour to e-mail to you a VAT invoice for the courses within 5 working days of the booking.  Should this method of delivery not be acceptable you should inform us when the course is booked and we can mutually agree an alternative method of delivery.

10.2    Invoices shall be paid without deduction or set-off.

10.3    All invoices are due to be settled upon receipt or within 14 days from date of invoice. Notwithstanding the terms outlined above we reserve the right to request payment in advance of any training course booked by you.

10.4    Without prejudice to any other right or remedy that we may have, if you fail to pay the invoice sum on or before the due date, we may:

(a)   if you are contracting as an individual and not for a business:
(i)    we reserve the right to charge daily interest on such sum from the due date for payment at a rate of 8% per annum.
(ii)    such administration fees that are incurred.

(b)   In all other cases, not falling under 8.3(a):
(i)    charge daily interest on such sum from the due date for payment in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 as amended and supplemented by the Late Payment of Commercial Debts Regulations 2002; and
(ii)    such administration fees that are incurred in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 as amended and supplemented by the Late Payment of Commercial Debts Regulations 2002.


11.1    We shall not be liable to you for any direct or indirect costs incurred by you as a result of:

(a)    variation of a course location by us or any third party; or
(b)    cancellation of a course by us or you; or
(c)    loss or damage to property.

11.2    Our liability is limited to the course fee.

11.3    All warranties, conditions and other terms implied by statute or common law are, to the fullest extent permitted by law, excluded from the Contract.

11.4    This does not include or limit in any way our liability:

(a)    For death or personal injury caused by our negligence;
(b)    Under section 2(3) of the Consumer Protection Act 1987;
(c)    For fraud or fraudulent misrepresentation; or
(d)    For any matter for which it would be illegal for us to exclude, or attempt to exclude, our liability.


Applicable laws require that some of the information or communications we send to you should be in writing.  When using our site, you accept that communication with us will be mainly electronic.  We will contact you by e-mail or provide you with information by posting notices on our website.  For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing and the onus is upon you to ensure that our url has been added to your e-mail whitelist. This condition does not affect your statutory rights.

13.    NOTICES

13.1    All notices given by you to us must be given to Credit Management Training Ltd.

13.2    We may give notice to you using the e-mail or postal address you provide to us when making a booking.

13.3    Notice will be deemed received and properly served immediately when posted on our website, 24 hours after an e-mail is sent, or three days after the date of posting of any letter.  In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail that such e-mail was sent to the specified e-mail address of the addressee.


14.1   Credit Management Training Ltd (CMT) processes personal information to enable us to provide statistics that help us manage and improve our services.  CMT has a Data Protection Policy and is registered with the Information Commissioners Office under registration reference: Z2477165   

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