CCS Collect

Received a letter or call from CCS Collect? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are CCS Collect?

CCS Collect is a trading name used by Commercial Collection Services Ltd, a debt collection company based in Croydon. Check the letter to confirm which organisation it is collecting for and who the original creditor is.

They may contact you because:

• A company has hired them to collect a debt you owe
• Your account has been passed to them for collection
• The original creditor is using CCS to manage recoveries

FCA Registration: CCS Collect is authorised and regulated by the Financial Conduct Authority for consumer credit activities.

Contact Details

CCS Collect

Norfolk House Wellesley Road Croydon CR0 1GR

Telephone: 020 8665 4929

Website: www.ccscollect.co.uk

Your Legal Rights

You have important protections under the Consumer Credit Act 1974 and FCA regulations:

CCS Collect Must:

• Explain the creditor, account and basis for collection
• Investigate a genuine dispute and provide relevant information
• Treat you fairly and not use aggressive practices
• Consider affordable payment proposals and your circumstances

CCS Collect Cannot:

• Harass you with excessive phone calls
• Contact you at unreasonable times
• Discuss your debt with others
• Threaten legal action they don’t intend to take
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could lead to escalation and CCJs
2. Verify the debt - request proof in writing
3. Check limitation carefully - rules depend on the debt, court history and UK jurisdiction
4. Respond based on your situation - pay, negotiate, or seek debt advice

Can CCS Collect Send Bailiffs?

No. They are debt collectors, not enforcement agents. They cannot enter your property or seize belongings; enforcement requires separate legal authority and process.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - Possible write-off of qualifying debt after completion. Check if you qualify.

Debt Relief Order - A formal option for England and Wales where qualifying debts may be written off after the DRO period if you meet the criteria.

Debt Management Plan - Reduced monthly payments.

How to Complain

CCS Collect lists 0330 400 3600 and complaints@ccscollect.co.uk for complaints. If the complaint is eligible and remains unresolved after the firm’s final response, you may be able to refer it to the Financial Ombudsman Service.

How to respond to CCS Collect

If CCS Collect contacts you, start by checking whether the account is yours and whether the balance matches your own records. Ask for the original creditor name, account reference, date of default or assignment, and a written breakdown of the amount being requested.

If you recognise the debt but cannot afford the proposed payment, do not agree to a plan that leaves you short for rent, mortgage, council tax, utilities, food or travel. A realistic offer is usually safer than a payment promise that fails after one or two months.

Before you make a payment

Keep communication in writing where possible and save copies of letters, emails and payment proposals. If several collectors are contacting you at once, compare wider debt options before prioritising one account over the rest.

You may want to read the debt collector letter before action guide, compare IVA vs DMP, or check whether a Debt Relief Order may be more suitable if your income and assets are low.

If the debt is not yours

Tell the collector in writing that you dispute liability and ask them to pause collection while they investigate. Include only the information needed to identify the account, and keep a copy of anything you send. If the letters are for a previous resident, say so clearly and ask for your address to be removed from the account.

Sources checked

• FCA Consumer Credit sourcebook: arrears, default and recovery for fair-treatment rules.
• FCA Register for checking regulated consumer credit firms.
• CCS Collect contact page for current customer and complaint contact details.
• Companies House for company identity checks.
• MoneyHelper debt guidance for free debt advice signposting.
• GOV.UK options for dealing with your debts for debt solution context.