Do I have to pay CCS Collect Debt (CCSCollect)?

If you’re one of the many people who got a letter about a debt you supposedly owe, it may have got you panicking. You may be asking, ‘do I have to pay CCS Collect Debt’?

I answer questions like, who is CCS Collect? What can they legally do, and how you should respond to their correspondence? Read on to find out more.

Do you have to pay CCS Collect?

You might not have to pay CCS Collect.

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 CCS Collect?

CCS Collect or Commercial Collection Services Ltd are debt collectors. The business has operated in the UK since 1975 with its head office being in Surrey. CCS collects debts for both the consumer and commercial sectors.

Their client list includes:

NHS Business Services Authority (NHSBSA)Credit card providers
Student debt loans
Vodafone
Local authorities
Private car park management companies
Utility companies

Is CCS Collect a legitimate business?

Yes. CCS Collect is a legitimate business that’s regulated by the Financial Conduct Authority (FCA). They’re founding members of the Credit Services Association (CSA) and therefore must follow the law when they contact you.

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.

Get Started

Why did I get a letter from CCS?

Chances are CCS is contacting you over an unpaid debt owed to another business/creditor. The debt collector is acting on behalf of the client to recover the money you allegedly owe.

In short, CCS doesn’t ‘buy’ debts for discounted amounts. The debt collector is instructed by the client to chase debtors for payment.

How do you deal with CCS?

Getting a letter from CCS about a debt could send you into a panic. So, once the dust settles, you should ask the debt collector to ‘prove’ the debt is yours!

That’s the first thing to do before seeking debt advice from an independent, impartial adviser if you’re confused. An adviser from one of the UK’s debt charities could provide essential advice if needed.

Next, find out whether the debt is statute-barred which means it’s unenforceable because it’s six years old or more.

Don’t feel threatened by CCS correspondence. Debt collectors must abide by the law when they contact you. They’re obliged to give you enough time so you can seek advice to establish your best options!

Take a look at what happened to one person who was contacted by CCSCollect:

Do I have to pay CCS Collect Debt (CCSCollect)?

Source: Moneysavingexpert

Should you ignore CCSCollect?

No. It’s never a wise decision to ignore CCSCollect letters. Moreover, you could be missing out on the following if you do:

Finding out the debt is not yours
Establishing the debt is unenforceable because it’s statute barred
Being offered an affordable repayment plan you can afford
Getting some of the debt wiped off

Also, you could end up having to deal with the following:

Court action was taken out against you
Receiving a County Court Judgement (CCJ) which ruins your credit rating
Having Enforcement Agents turn up at your home and seize possessions (with a court order that is)

Should I pay CCSCollect?

You may have to pay CCSCollect if the debt collector can prove you owe the money. However, CCS must provide you with authenticated proof.

Don’t just accept their word for it!

So, if the debt is yours, try to negotiate an affordable plan with CCS. Seek advice from one of the debt charities if you’re unsure or confused about anything.

Don’t agree, sign or pay CCS anything until you do.

Moreover, don’t let CCS pressure you into anything. It’s unlawful if they do and you could report them to the Financial Ombudsman Services (FOS).

What can CCSCollect legally do?

There are laws that govern what debt collectors can and cannot do. A debt collector can:

Visit you at home
Discuss a debt with you politely and discreetly
Treat you fairly and proportionately
Discuss the debt in clear and transparent terms
Treat you with empathy and understanding
Ask you to pay them directly

A debt collector cannot legally do any of the following:

Force their way into your home
Employ confusing/deceptive tactics to coerce you into paying
Apply pressure for you to take out another loan to pay them
Imply they have more powers than they actually have
Harass or threaten you
Talk to other people about the debt which breaches privacy laws
Call you on the phone at all times of the day (and night)
Clamp your vehicle or seize possessions

If CCSCollect visits you at home, you don’t have to open the door. Moreover, you can ask them to leave and they must respect your request.

Find out your debt options

What happens if I don’t pay CCSCollect?

It’s all too easy to bin a letter from CCSCollect. But it won’t make the debt collector go away because they are persistent and rarely give up!

Moreover, the problem only gets worse.

You could end up facing court proceedings, plus the debt amount would increase. If you still don’t pay, a CCJ is registered on your credit history.

How do I stop debt collectors from contacting me?

You can’t stop a debt collector from contacting you. But you can write to them and ask them to stop contacting you at all hours.

Tell the debt collector how to contact you and when to contact you. If they don’t respect your request, tell them that it’s a criminal offence to harass you!

How do you contact CCS Collect?

I’ve included CCS Collect contact details here:

By phone	020 8665 4929
Via email	[email protected]
Website:	www.ccscollect.co.uk/
Addresses	CCS Collect Debt Collectors 797 London Road, Thornton Heath, Surrey CR7 6YY CCS Collect Debt Collectors Norfolk House, Wellesley Road, Croydon, Surrey

Where can I find debt advice?

There are several debt charities in the UK that provide free, impartial advice when you’re struggling with finances.

I’ve listed some of them here:

“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.

Get Started

Lastly, do I have to pay CCS Collect Debt?

Not necessarily! For example, the debt may be statute barred and therefore, unenforceable. Moreover, the debt may not even be yours. So, the first thing to do is ask CCSCollect to prove it is!

If you’re unsure about anything or feel you’re being pressured by a debt collector, seek independent advice. Don’t admit, pay or sign anything until you have!

Thanks for reading my post about CCSCollect. I hope I’ve answered the question, ‘do I have to pay CCS Collect Debt’ so it saves you stress, time and money!