Should I Pay or Ignore CCI Credit Management NHS Debt?

Are you one of the people who asked the question, ‘should I pay or ignore CCI Credit Management NHS debt’ when they contacted you out of the blue?

If so, this post is for you. Receiving a debt letter can be disturbing. Especially when you don’t know who it’s from or what it’s about.

Read on to find out how to respond to CCI so the experience is less stressful and more straightforward!

Do you have to pay CCI Credit Management?

You might not have to pay CCI Credit Management.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who is CCI Credit Management Ltd?

Like many people who get letters from CCI, you’ve likely never heard of them before they contacted you. CCI Credit Management (CCICM) is in fact, a debt collection agency that operates in the UK although they work in other countries too!

They work in close partnership with the UK’s healthcare providers and claim to be the leading debt recovery agency in this sector. CCICM collects debts for more than 75% of both hospitals and trusts!

In short, CCI Credit Management is a specialist healthcare debt recovery business!

Is CCI Credit Management regulated in the UK?

Yes. Although CCICM is an international debt recovery business, they are authorised to operate as debt collectors in the UK. The company is regulated by the Financial Conduct Authority (FCA).

They are also recognised members of the Credit Services Association (CSA) and have many other accreditations!

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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What sort of debt does CCI Credit Management collect?

CCICM works with many different sectors in the UK. The company collects debts that are:

• High in value
• Education related
• Commercial
• Insurance
• Healthcare

Moreover, CCI Credit Management chases debts across borders. For example, if you were treated in a hospital abroad and never paid the bill, CCICM could chase you for payment. Even when you’re back in the UK.

Why would CCICM contact you?

Chances are that CCI Credit Management is contacting you over an NHS debt they think you owe money to. Moreover, many debt collection agencies use various techniques to locate debtors.

For example, some debt recovery companies use a method known as a ‘scattergun’ technique. They send debt letters to people with similar names or addresses they used in the past.

It’s their way of finding the right debtor even though it stresses innocent people out!

Another method they use is known as ‘phishing’! It’s their way of establishing whether a person is a debtor and getting hold of all their details.

Does CCICM use phishing tactics?

Unfortunately. CCICM has been known to send ‘phishing messages’ to locate people they believe owe money. The debt collector sends out emails and text messages in the hope of finding the right person.

Check out what happened to one person who posted this message they received from CCI Credit Management Ltd.

Source: Moneysavingexpert

If a debt collection agency contacts you in this way, you do NOT have to respond.

Should you respond to a CCI Credit Management debt letter?

It’s best to respond when you receive a letter from CCICM about the money you allegedly owe. Even if you know the debt collector has got it wrong and they are chasing the wrong person.

You’ll likely receive threatening letters from CCICM with the last one being a Letter Before Action (LBA).

This is one letter you definitely don’t want to ignore!

You should write back to CCICM asking them to prove you owe the money. But don’t sign the ‘prove the debt’ letter. Instead, print your name and send the letter by recorded delivery!

Should you pay CCI Credit Management straight away?

No. As mentioned, you should always check all the details on a payment demand are correct before admitting, signing or forking money over to CCICM!

You should also get some debt advice beforehand. If you’re struggling with your finances, it’s best to contact one of the leading debt charities. Their advice is free and could be invaluable if you’ve never dealt with debt collectors before.

The one thing you shouldn’t do is ignore a debt letter even if the details are incorrect. It won’t stop CCIC from contacting you and sending lots of demanding letters!

Should you see if the debt is too old to enforce?

Yes. Before you do anything else, you should establish if the debt is too old to enforce!

When debts are statute barred, they’ve passed their “sell-by date” and can’t be enforced through the courts because they fall under the Limitations Act.

If debt can’t be enforced, you can’t be made to pay!

When is a debt statute-barred?

A debt is statute-barred when it meets specific criteria which I’ve listed below:

• It must be at least six years old or even older
• No one admitted owing the money in six years
• Nothing has been paid towards settling the debt in six years
• There’s no existing court order to pay the debt

CCICM can’t pursue you for payment if the debt is statute-barred!

Can you tell CCICM the debt is statute-barred?

Once you’re certain a debt is statute-barred, you can write to the debt collection agency to inform them. However, it’s best to seek advice first! 

You could contact one of the debt charities or an independent debt management company. However, the latter charges for their advice whereas a charity provide free debt advice!

What if the debt is not statute-barred?

If the debt isn’t too old to enforce, the next step is to send a letter to CCICM asking them to prove the debt is yours!

They may have already sent you proof that you owe the money. But if they haven’t included it in their original letter, you should ask them to!

Should you ask CCICM to prove the debt is yours?

Yes. Definitely. As mentioned, if a debt collector hasn’t provided proof the debt is yours, you should send them a ‘prove the debt’ letter.

CCICM must oblige because it’s up to them to prove things, not you!

Don’t just accept their word for it. You should ask for an authenticated copy of an agreement. Without solid proof, you can’t be made to pay!

Send the proof it letter by recorded delivery and keep a copy for yourself. Also, don’t sign it, just print your name instead.

What happens if CCICM can’t prove the debt?

A debt can’t be enforced if a debt collection agency can provide an authenticated copy of a credit or other form of agreement.

In short, CCICM would have a hard time proving you owe the money if they can’t provide hard evidence that the debt is yours!

In short, you may not have to pay the debt collection agency!

What if CCI Credit Management Ltd proves the debt?

You’ll be liable for the debt if CCI Credit Management Ltd proves you owe the money. The problem is you may not be in a position to pay the full amount!

If so, write to the debt collection agency and tell them you’re seeking advice from a charity or independent debt manager. They must allow you enough time to find out what debt solutions are available.

Once you’ve spoken to a debt expert, you should try to negotiate an affordable repayment plan with the debt collector.

Can CCICM take me to court?

The debt collection agency won’t take you to court themselves. But they could advise their client to start legal proceedings. In short, the original creditor may take out legal action against you.

It’s best not to let things get this far because it can be stressful and you could end up paying more!

What can debt collection agencies legally do?

Debt collection agencies must abide by the law and the CSA Code of Conduct when they contact you. That said, they can legally do any of the following:

• Get in touch with you by letter, phone, text, or email or they can visit you in person
• Talk to you politely and discreetly about the money they believe you owe
• Ask you to settle a debt directly with them rather than the creditor

What can’t debt collectors do?

CCICM can’t do any of the following when they contact you about an alleged debt:

• Harass you with constant emails, texts, and phone calls
• Threaten you in any way
• Force their way into your property
• Discuss the matter with your neighbours, boss, friends or a family member
• Visit you at work
• Seize possessions or clamp vehicles
• Pretend they have the same powers as enforcement officers (previously called bailiffs)
• Use legal jargon to confuse you
• Show you documents that appear to be court-issued

Can you stop CCICM from contacting you?

No. You can’t prevent a debt collection agency from contacting you. However, you can dictate how you want to be contacted!

You can tell them that you’d like to be contacted by letter only. This way, you have a record of their demands!

If a debt collector doesn’t respect your preferences and continues to bombard you with phone calls, it would be deemed harassment!

You could and should report the debt collection agency to the Financial Ombudsman Service (FOS).

Can a CCICM debt collector visit your home?

Yes. When you don’t respond or you fail to pay a proven debt, a field agent could visit your home.

However, you don’t have to open the door to the agent! You should speak to them through the letterbox or upstairs open window.

Moreover, you can ask them to leave and they must respect your request!

Can CCI Credit Management Ltd seize your possessions?

No. Not without a court order. Once a judge issues a court order to pay, it’s an enforcement officer that could come to your home and ask you to settle the debt.

When you don’t agree to pay or offer to settle the debt in instalments, an enforcement officer could seize some of your possessions.

The items are sold at auction to recover the amount owed.

How do you contact CCI Credit Management Limited?

There are various ways you can contact CCI Credit Management Limited about a debt letter they sent you.

I’ve listed the debt collector’s contact information in the table below:

Is there any free debt help available in the UK?

Yes. Fortunately, there are several leading debt charities in the UK you could contact. The charities provide free debt advice which could be invaluable when negotiating a debt plan with CCICM.

I’ve listed five of the major UK debt charities below:

• StepChange
• Advice Direct Scotland
• Citizens Advice
• National Debtline
• Money Advice Scotland

What other debt solutions could you use?

There are several debt solutions which could get you back on track if you’re drowning in debt.

However, you should seek advice from an expert before you decide which solution is best for you. Your personal circumstances could be made much worse if you choose the wrong one!

I’ve listed the various options below:

• An Individual Voluntary Agreement (IVA)
• Debt Consolidation Loan
• Bankruptcy

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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Lastly, should you pay or ignore CCI Credit Management NHS debt?

You should never ignore a debt letter you receive from CCICM. Instead, you should respond to the debt collection agency, even when the debt isn’t yours or it is statute-barred.

First, check whether the debt is too old to enforce. Next, if it’s not statute-barred, write to CCICM and ask them to prove you owe the money if they haven’t already done so!

If you’re experiencing financial hardship and you’re unable to pay a proven debt, you should let the debt collection agency know. You should inform them you’re seeking debt advice.

CCICM must allow you enough time to see what debt solutions are available and should be willing to negotiate a payment plan you can afford!

Thanks for reading my post. I hope the information helps you deal with CCI Credit Management so the experience is less stressful!