CCS Collect
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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 (Credit Collection Services) is a UK debt collection agency based in Hull. They collect debts on behalf of other companies, meaning they act as an agent for the original creditor rather than purchasing debts outright.
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
Windsor Court Sailors Wharf Hull HU1 2DH
Telephone: 01482 212211
Website: www.ccscollect.co.uk
Your Legal Rights
You have important protections under the Consumer Credit Act 1974 and FCA regulations:
CCS Collect Must:
- Tell you who the original creditor is
- Provide proof of the debt if you request it
- Treat you fairly and not use aggressive practices
- Accept reasonable payment offers based on 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
- Don’t ignore it - could lead to escalation and CCJs
- Verify the debt - request proof in writing
- Check if statute barred - debts may be unenforceable after 6 years
- Respond based on your situation - pay, negotiate, or seek debt advice
Can CCS Collect Send Bailiffs?
No. They are debt collectors, not bailiffs. They cannot enter your property or seize belongings without a court judgment.
Struggling With Multiple Debts?
Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt. Check if you qualify.
Debt Relief Order - For debts under £30,000 with low income.
Debt Management Plan - Reduced monthly payments.
How to Complain
Contact CCS Collect in writing, then the Financial Ombudsman Service (0800 023 4567) if unsatisfied.
Take control of your debt. Use our free IVA calculator.
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