NOTE FOR THE PUBLIC REGISTER UNDER SECTION 35 OF
THE CONSUMER CREDIT ACT 1974 (THE ACT)
LICENCE NO: 597616
LICENSEE: QUICKBRIDGE (UK) LIMITED
DETERMINATION TO IMPOSE A REQUIREMENT

An adjudicator, acting on behalf of the Office of Fair Trading (OFT), served a
notice on the licensee that she was minded to impose a requirement on the
licensee. The adjudicator received representations from the licensee.

Having considered the representations, the adjudicator decided to impose the
following requirement on the licensee:

Quickbridge (UK) Limited shall not in any communication (whether written or
oral) with a debtor:

(a) allege that such debtor has, or may have, engaged in criminal conduct or
refer to the consequences of any such conduct unless it has, after reviewing
the individual facts and circumstances of the case in question, concluded that
there are reasonable grounds for it to believe that such debtor has, or is likely
to have, engaged in the relevant criminal conduct and described any
consequences arising from such conduct accurately and without giving a
misleading impression;

(b) state that such debtor should not be in debt if he or she has a certain
employment or other status or should not be in debt for a reason which does
not prohibit such debtor being in debt.

Notice of any appeal, which must be given within 28 days of the date on which
notice of the determination is issued, and of its result, will be put on the public
register.

PLEASE NOTE THAT THESE PROCEEDINGS ARE NOT THE SAME AS
THOSE OF A COURT. THEREFORE A FINDING THAT A PERSON HAS
ENGAGED IN CONDUCT WHICH AMOUNTS TO AN OFFENCE OR
CONTRAVENTION OF A STATUTE DOES NOT MEAN THAT THE PERSON
CONCERNED HAS BEEN CONVICTED OF THAT OFFENCE OR BEEN
FOUND BY A COURT TO HAVE CONTRAVENED THAT STATUTE.



DATE OF DETERMINATION: 21ST MAY 2012