Consumer Credit Directive Training

The Consumer Credit Directive has been implemented in Ireland by the European Communities (Consumer Credit Agreements) Regulations 2010. The broad aim of the Directive is to harmonise laws governing consumer credit across the EU.
The Consumer Credit Act 1995 (as amended) and the Consumer Protection Code 2006 are currently the main strands of consumer protection in relation to lending in Ireland. While the Regulations cover some of the same ground, their scope does not extend to all areas dealt with by the Act and the Code. The Regulations have the same understanding of what constitutes a “consumer” as the Act, being “a natural person who is acting …for purposes outside his or her trade, business or profession”.

This 3 hour training course will cover the following:
Preliminaries to Credit Agreement
Obligations for creditors in relation to the content of any advertisement of credit;
Obligations for creditors in respect of pre-contractual information to be provided to a consumer;
Obligations for creditors to assess the credit-worthiness of consumers based on “sufficient information” (the Regulations do not provide detail on what constitutes sufficient information);
Credit Agreement
Obligations on the standard information to be included in a credit agreement;
APR
Detailed methodology of how APR is to be calculated.

This course will be delivered publicly in August 2011 in Dublin, Limerick and Galway
The course can also provided in house

To Book
Phone 01-4800531 or email ralph@financetraining.eu or gert@financetraining.eu

About the Trainers

Ralph Smith

Ralph Smith is the managing partner of Do My Books Ltd incorporated public accountants. Ralph is a practicing incorporated public accountant, a member of the Association of Certified Fraud Examiners and has over ten years front line business experience. Ralph has provided AML and compliance training for a large number of clients from global financial institutions right down to local credit unions.

In recent years Ralph has founded and developed a number of businesses both alone and with partners as well as assisting growing business and start up clients in an outsourced financial director capacity.

Do My Books provide training to a variety of SME clients as well as Skillnets. Ralph is qualified to train on all of the leading accountancy software packages including Big Red Book, TAS Books, Sage instant accounts, MicroPay and Sort My Books online.

Do My Books have also provided training and mentoring to clients on managing cashflow, Credit control in during a recession, Pricing and financial management, tax planning for small businesses, VAT, Payroll, controlling costs through business analysis and costing in a production environment .

With over 40 start up businesses on their books Do My Book staff are versed in the actual challenges that face entrepreneur’s when starting a business and have first-hand experience of successful businesses and businesses that failed. This front line experience is invaluable in a training environment and allows Ralph as a trainer to refer to real life situations.

Gert O’Rourke

Gert O’Rourke, Training and Development is owned and operated by Gert O’Rourke. Its primary focus is the provision of training and business development consultancy services to growing and established companies in Ireland.

A diverse range of development services are provided to start-up and expanding companies/groups which can be categorised as follows;

• Support for developing enterprises and community development groups including training, feasibility study assistance, market research and marketing planning, business planning, business development advice
• Design, development and delivery of tailored training services including entrepreneurial training, business planning, compliance and business development modules

• Mentoring support to SMEs

Gert is a qualified trainer in Entrepreneurship, Compliance and Business Development. She has eighteen years’ experience in the development and delivery of training programmes. She has vast experience in the provision of training to SMEs in Ireland. She also provides business development support to micro-enterprise/SME sector, providing hands-on support to enterprise clients in the region, and previously worked in positions in the public/private funding sector.  She has built up an important network of contacts and relationships with key players in the enterprise-support sector throughout the region. Previously she worked in organisations such as HPSU Skillnet, WESTBIC, Smurfit Venture Investments, IDA Ireland, and FEXCO.