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News & blogs: Press releases

CSA further strengthens Board with four new appointments

08 February 2019  

The Credit Services Association (CSA), the voice of the UK debt collection and debt purchase sectors, has further strengthened its Board of Directors with the appointment of four new senior industry executives.


Frank Horvath has more than 30 years’ experience in financial services, including 27 years as a lender, debt seller and debt placer. His early career was spent at Midland Bank and HSBC, before moving onto Barclaycard as Director of Collections (UK). His current role is Managing Director of Link Financial Outsourcing.

Joanne Cowens has similarly worked in the financial services industry for more than 30 years and has a breadth of knowledge in many aspects of personal, commercial and corporate regulation. She is a former executive within the Financial Ombudsman Service.

Stewart Hamilton also has substantial regulatory expertise, and is currently General Counsel and Company Secretary at Arrow Global Group plc, managing a significant European in-house legal and company secretarial team. Stewart has 17 years' experience as a solicitor, working initially in private practice as a corporate lawyer at Linklaters, Baker & McKenzie and Addleshaw Goddard.

Ian Rea has held a variety of roles in financial services working for large banking operations (HSBC), a big four consultancy (Deloitte), front-line retail financial services (HBOS) and the UK’s primary conduct regulator (FCA). He is currently Group Compliance Director at Cabot Credit Management.


John Ricketts, CSA President welcomed the new members to the Board at the CSA Annual General Meeting on 5 February: “The talent and experience they bring will add further weight and expertise to our Board,” he says.

“With the challenges of an uncertain economy, future funding decisions, and a series of new regulatory requirements, the relevance of the CSA has never been greater. It is important that the industry stands together through a strong and progressive trade association steered by a strong and capable Board.”


Frank Horvath



Joanne Cowens



Stewart Hamilton



Ian Rea

Credit Services Association,
2 Esh Plaza, Sir Bobby Robson Way,
Great Park, Newcastle upon Tyne,
NE13 9BA Map

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T: 0191 217 0775


Credit Services Association Limited 
Registered in England and Wales No. 00089614

CSA (Services) Ltd
Registered in England and Wales No. 05055685

Registered address:
2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle upon Tyne, NE13 9BA