CCS Collect stands for Commercial Collection Services. Based in Surrey, they’re a debt collection agency with over 40 years experience. CCS Collect collects debts on behalf of other people and are regulated to do so in the UK by the Financial Conduct Authority (FCA.)
Have you been contacted by CCS Collect? Do you need help dealing with them or making a payment? Or, are they chasing you for a debt that isn’t yours? Read on to find out how you can deal with this debt collection agency.
CCS Collect stands for Commercial Collection Services. Based in Surrey, they’re a debt collection agency with over 40 years experience. CCS Collect collects debts on behalf of other people and are regulated to do so in the UK by the Financial Conduct Authority (FCA.)
CCS Collect is a member of the Credit Services Association (CSA) and holds ISO accreditations for Quality Management and Information Security Management.
If CCS Collect is contacting you, the likelihood is that you owe money to one of its clients including government agencies and utility companies.
CCS Collect is a founding member of the CSA and their accreditations and regulation by the FCA all point to them being a legitimate company.
But even if a debt collection agency seems legitimate, it’s important that you take action and review all your options ahead of contacting them to make a payment.
CCS works on behalf of a range of clients like HMRC and DWP to collect commercial and consumer debt. They don’t buy debt from other lenders but they will try and recover the debt by encouraging you to set up a payment plan or ensuring that the full debt is paid off as soon as possible.
CCS Collect is used by a wide range of clients including:
They recover the following types of debts:
You could try ignoring CCS Collect but if you do they can take action against you in the form of a CCJ (County Court Judgement.) This will affect your credit rating and they may even send bailiffs to your home to recover goods equal in value to the debt.
But before you make a payment you should always establish what the debt is, how much the debt is for and how old it is. At DebtBuffers we can help you to deal with CCS Collect to handle the best way to deal with your debt.
If you think the debt isn’t yours at all then you can send a ‘Prove My Debt’ letter using our letter writing service.
You can stop CCS Collect from contacting you by call or text although they are allowed to contact you by post at your registered address. Let them know that you will only deal with the case in writing using our letter writing service.
Once your debt has been transferred to CCS Collect they will start the process of initiating repayment of the money owed.
CCS Collect will contact you in writing, and although this can seem daunting it’s important to remember that these letters are based on a template and are not personal.
If they don’t hear from you they will continue to try and get in touch by letter, email, phone, text or by visiting your home.
You have a number of options for making payment including online card payment, direct debit, online banking, card or cheque, at your bank or post office or using Payzone. You can contact CCS Collect by phone or pay online.
You can pay off your debt using a credit card either online, using an automated call service or by talking to an agent.
CCS can chase you for repayment but they’re not allowed to use aggressive tactics or threaten you with legal action that they’re not allowed to take. Remember that the letters they send are standard, so don’t take them personally. Nonetheless, you should aim to take control of the situation as quickly as possible.
CCS Collect can take you to court for non-payment and obtain a CCJ against you. This is why it’s important to act quickly before this happens.
CCS Collect can only send bailiffs if they have a CCJ against you. Remember that bailiffs are acting on behalf of the court and have a legal right to enter your home and remove goods to cover the amount of the debt.
It’s highly unlikely that CCS Collect would be given a charging order to repossess your home as a result of unsecured debt. But the situation is different if it’s an unsecured loan like a second mortgage.
The action that CCS Collect can take is highly regulated and it’s important that you know your rights when dealing with a debt collection agency like CCS.
If you feel that they’re breaking any of these rules in their treatment of you, you can make a complaint direct to CCS Collect and then escalate the complaint to the Financial Ombudsman Service if you’re still dissatisfied.
Our AI Chatbot can talk you through your options if you owe money to a debt collector like CCS Collect. Life is too short to live with the burden of debt, so contact us today to discuss your options and start your path to a debt-free life.
