Do you owe money to CCS Collect?

If you have debts of over £5000, you may be able to write off your debt with an IVA

What is CCS Collect?

CCS Collect is the trading name of Commercial Collection Services Ltd, a debt collection company that has sites across the UK.

They collect for companies and organisations including:

  • HMRC
  • Department for Work & Pensions (DWP)
  • DVLA
  • Water companies
  • NHS Business Services Authority (NHSBSA)
  • Student Loan Company

They are members of the Credit Services Association (CSA).

If CCS Collect has contacted you, we recommend that you do not ignore them. You are welcome to contact our team of debt experts, and we’ll do our best to point out the things that you can do to improve your situation. You can reach us on 0330 122 8447 or by clicking ‘Get Started For Free’.

CCS Collect
Table Of Contents
  1. Do you owe money to CCS Collect?
  2. Get debt help with CCS Collect Debt Collectors now!

Are CCS Collect legitimate?

Yes, Commercial Collection Services Ltd is a genuine company that is registered in England and Wales with the following details:

  • Company Number: 2326104
  • Registered Office Address: Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1GR

Please note, CCS Collect changed their registered office address in December 2019. Previously it was 797 London Road Thornton Heath Surrey CR7 6YY.

CCS Collect is authorised and regulated by the Financial Conduct Authority (FCA).

Why are CCS Collect chasing me?

CCS Collect debt collectors will contact you if they believe that you owe money to one of their clients, for example, if you have council tax arrears or unpaid bills with utility companies.

Should I respond to messages from CCS Collect?

If you hear from a debt collection agency, generally the worst thing that you can do is ignore their outreach methods because the activity from their debt collectors will only escalate.

What if I’m scared to contact CCS?

We appreciate that being in debt can be a frightening experience. However, ignoring CCS will cause more problems. If you owe £5,000 or more to CCS and at least one other creditor we may be able to deal with them for you. Click ‘Get Started For Free’ to find out.

CCS Collect bailiff

How can I stop CCS Collect from chasing me?

If you recognise the debt and it is recent, you typically have the following options to stop CCS Collections from contacting you:

  • Repay your debt in full
  • Try to negotiate a settlement agreement for your debt that sees you repaying less than you owe, in return for making a lump sum payment
  • Agree a repayment plan with regular instalments
  • Appoint a debt management specialist to deal with CCS Collect on your behalf.

If you have debts with two or more creditors that you are struggling to repay, you can get free support to understand your options by clicking ‘Get Started For Free’. We’ll investigate whether we can deal with CCS Collect and any other debt collection agencies on your behalf.

How can I contact CCS Collect?

You can reach CCS debt collectors about your debt through the following contact details:

  • Phone number: 020 8665 4929
  • Email address:
  • Post: CCS Collect, Norfolk House, Wellesley Road, Croydon, Surrey CR0 1GR (Please note, they previously had an address in Thornton Heath but have since moved).
  • Website: (www ccscollect co uk, ccs collect co uk)

Should I pay off my debt with CCS Collect?

If you don’t repay your debt with Commercial Collection Services Limited, then they are likely to take legal action to force you to take responsibility for your debt.

If you recognise the debt as yours, then the only ways to get CCS debt collection out of your life are to agree a repayment method with them or to appoint a debt specialist company to act on your behalf.

If you’d like to explore the options open to you to get your debt under control, click ‘Get Started For Free’. A member of our team will reach out to connect you with free advice, no matter what your circumstances are.

How do I calculate what payments I can afford?

It’s important to write down a budget that includes:

  • The total of what you earn each month through wages, benefits etc
  • All of your essential items of spending such as food, rent, utility bills

The remaining money is what you have left to put towards debt payments. We recommend including some contingency in your budget for emergencies.

CCS Collect debt collector

What if I can’t afford the debt payment that CCS Collect have asked me for?

CCS Collect will typically first send you a letter explaining that they are now collecting your debt and giving you a short period to repay it in full; often as short as seven days. This type of communication can lead to a stressful experience for anyone who does not have the finances to be able to make the full payment.

If CCS Collect don’t hear from you, they may then send field agents to visit you at home and discuss your debt with you. If these tactics don’t work and you don’t make a payment, they may refer your case to the courts and use the law to force you to take responsibility for the money that you owe.

If you are facing difficulty making a payment, you have the following options:

  • You can discuss the matter with CCS Collect and see if they can offer you a repayment plan that is affordable for you.
  • You can see if a debt management business can provide you with another solution, such as an IVA.

At IVA Online, we help individuals who are struggling with debt to understand their options, and in some cases, we’re able to deal with the debt collectors and enforcement officers on their behalf. You can get started by clicking on this link in your browser This short survey will help us to understand your situation and to find any solutions that are in your best interest.

What if I don’t recognise the debt that CCS Collect are chasing me for?

In this case, you can ask the debt collectors to provide proof that you owe this money, before you make a payment. You should ask for the name or names of the organisation(s) that the liability originates from and see if you can think of any connection between you and the debt account.

What if CCS Collect have sent a letter to my address about someone else’s debt?

CCS Collect will chase a debtor at the address that the original lender or organisation has given them, but this could be out of date if the debtor has moved. If you receive a notice for someone else’s debt, then you must let the debt collectors know straight away, to avoid the collection process progressing to a visit from bailiffs.

CCS Collect may ask you to provide proof of your identity and address, before they agree to remove your details from their collection database.

The worst thing you can do is not reply to the message.

CCS at door

What happens if you never pay a collection?

If you do not repay the money that you owe to CCS Collect their debt collectors will escalate the collection process. The steps they follow will depend on the exact type of debt they are collecting. For example, when you owe money to HMRC, they do not have to take your case to court, and as a last resort, their bailiffs could force entry to your property. Forcing entry typically means they will use the services of a locksmith to gain access to your home and collect your possessions.

For non-payment of other types of debt, CCS Collect may seek a court order, such as a County Court Judgement (CCJ) to force you to take the legal responsibility for what you owe them.

Will a CCJ affect my credit score?

Yes. If CCS Collect successfully get the court to issue a CCJ, it will stay on your credit report for six years and reduce your credit score unless you repay it in full within 30 days. A CCJ can be a problem if you need to secure more credit in this period. For example, if you need a mortgage to buy a house.

Can CCS Collect take money from my wages?

Once CCS Collect have secured a CCJ, they may ask the court to issue an ‘Attachment of Earnings Order’. This order enables them to ask your employer to send money directly from your salary before you receive it.

Can CCS Collect send bailiffs?

Yes, if you don’t respond to messages from debt collectors or arrange a payment method, then they may organise for bailiffs, now known as enforcement officers, to visit your home and discuss how you will repay. If you don’t have the cash to pay them, they may organise to take your possessions to repay your account.

CCS Bailiffs knocking on door

What items can CCS Collect take?

CCS Collect bailiffs will typically seize high-value items that they can quickly sell at a public auction to repay the money that you owe.

What possessions are bailiffs not allowed to take?

CCS Collect enforcement officers are not allowed to take the following items from your home:

  • Things that do not belong to you – for example, if you owe finance on them
  • Pets
  • Sufficient beds, bedding, chairs and a table for everyone in the house
  • Essential kitchen appliances
  • Items necessary to care for children

Can CCS Collect force entry into my home?

CCS are able to force entry into your home as a last resort in the following circumstances:

  • When they are collecting specific types of debt on behalf of the Government such as stamp duty and unpaid income
  • If the debt relates to a criminal fine
  • If you have signed a Controlled Goods Agreement for your debt and not met the payment terms

Forcing entry does not typically mean that they will break down the door. The standard practice is to use the services of a locksmith.

Do not let your debt escalate to the stage that enforcement agents are forcing entry. You can contact us for free debt help on 0330 122 8447 or click ‘Get Started For Free’.

Can CCS Collect force me to sell my home?

If CCS Collect take you to court and secure a CCJ, they could then ask the court for a charging order against your property, which secures your debt against your home if there is sufficient equity available. They can then apply for an ‘order for sale’ to force the sale of the property from which they will take the balance of what you owe them.

How can I make debt payments to CCS Collect?

CCS Collect accept the following payment methods for their debt accounts:

  • Debit card
  • Credit card
  • Bank transfer
  • Direct debit
  • Bank giro at any bank or Post Office
  • Payzone
  • Cheque
  • Postal order

You may be able to request to repay your debts with regular repayments if you can’t afford to repay it all in one go. When making a payment to CCS Collect you will need to quote your payment reference number so that the payment reaches your debt account.

Do CCS Collect accept debt payments by credit cards?

Yes CCS Collect debt collectors allow you to repay your debt with a credit card payment.

Can I make overpayments to my repayment plan with CCS Collect?

Yes, like all debt collectors, CCS Collect will be keen to collect the debt on your account as quickly as possible.

Can CCS Collect send me to jail?

For most types of debt, debt collectors such as CCS Collect have no powers to order an arrest warrant or to send you to prison. However, you could go to jail if you do not pay the following specific types of debt:

  • Council tax
  • Business rates
  • Criminal fines
  • Child maintenance arrears

If you owe money to multiple creditors and you are struggling to repay your debt, you may qualify for an IVA. Click ‘Get Started For Free to find out.

Do CCS Collect have a good reputation?

According to Trustpilot, the website that collects customer reviews online, at the time of writing, CCS Collect has a poor reputation from 14 comments.

The negative feedback includes the following claims:

  • Threats
  • Intimidation
  • Harassment
  • False claims for owing money
  • One debtor wrote ‘They are parasites and seemingly employ staff who on a permanent ego trip.’

There is one positive comment from a client who stated that an employee called Ben was very helpful and knowledgeable.

Can I complain about CCS Collect?

Yes, you can make a complaint about CCS Collect directly to the company through the following channels:

  • Call: 033 0400 3600
  • Write to the Complaints Manager at: CCS Collect, Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1GR
  • Email the Complaints Manager at:

We recommend that you keep a copy of anything that you send them in writing so you can refer back to it at a later stage.

What if I am not happy with the response CCS Collect give to my complaints?

If you are not happy with the final response that CCS Collect send you, you can send it to another body for them to review.

If your debt relates to a product covered by the Consumer Credit Act, you can raise it with the Financial Ombudsman Service (FOS), through the following channels:

If the Financial Ombudsman Service can’t assist you, then you can get in touch with the Credit Services Association who offer mediation services between debts and debt collection agencies. You can contact them through their website

Will CCS Collect write off my debts if I don’t pay?

CCS Collect debt collectors use sophisticated technology systems to keep on top of how much money each debtor owes them. It’s unlikely that they will forget about your debt or suddenly decide that you don’t have to pay. If you have strong negotiation skills and the financial ability to repay some of your debts, you could ask them to consider a settlement agreement for part of what you owe.

If you owe more than £5,000 in debt that is unsecured between two or more creditors, then you could have another option to write off some of your debt – an IVA.

What is an IVA?

An Individual Voluntary Arrangement (IVA) lets you consolidate your debts into one affordable monthly payment that you make for around five years. After this stage, your creditors agree to write off any remaining debt balance.

You will work with an Insolvency Practitioner to review your income and expenditure in a budget and to calculate what you can afford to repay on your debt. The Insolvency Practitioner will write an IVA request for your debt and take it to your creditors for agreement. For the proposal to move ahead, creditors that represent 75% of your debt need to agree to the arrangement.

You can find out more in the IVA article in the table of contents for this website and by filling in the short form when you click ‘Get Started For Free’.

What debts can I include in an IVA?

You can include the following list of debt types within the total debt you include in an IVA:

  • Credit card balances
  • Loans
  • Storecards
  • Payday loans
  • Unpaid council tax
  • Parking fines
  • Overpaid tax credits
  • Any other unsecured debt amount

How do I know if I qualify for an IVA?

To find out if you can get control of your debt through an IVA, you can click ‘Get Started For Free’ or telephone us on 0330 122 8447. We’ll connect you with the free debt advice and information that you need to improve your situation.

Where can I get free debt advice?

It’s a sad fact that debt is an issue that has a negative effect on thousands of lives around the UK every single year. If you are dealing with companies like CCS Collect, it’s easy to feel like everything is hopeless and that there is nothing that you can do. If you are feeling this way, you will find great benefits in reaching out to people who can be there for you and who have your interests at heart.

There are a number of charities that will help to guide you if you are facing issues with companies like CCS Collect that collect debt or lenders such as credit card companies. But it can be challenging to know where to start.

At IVA Online, we pride ourselves on the number of people we have been able to connect with debt solutions that have helped them to completely turn their lives around. We’ve been delighted to receive letters and messages of thanks from many of our customers. We search across the market to discover which firms will give you an option to repay your debt with the most pros and fewest cons for your unique situation.

To speak with one of our debt experts, you can call 0330 122 8447 or click ‘Get Started For Free’.

How will CCS Collect use my data?

CCS Collect must abide by the Data Protection Act and only use your information in a way that is necessary for their debt collection process. You can find out more details within the privacy policy on their website.

Can debt collectors talk to other people about my financial situation?

No. Due to the Data Protection Act, they can’t speak to your friends, family, neighbours or others about your situation.

Will debt collectors add charges and interest to my account?

Debt collectors will often add collection charges to your account. Depending on the type of debt, you may continue to pay interest on your account in line with your original credit agreement. For example, this is common with some loan accounts.

Do CCS Collect buy debt?

No. These collectors provide collections services for clients such as councils and HMRC.

Will CCS Collect petition for my bankruptcy?

CCS Collect may petition to make you bankrupt if they believe that this is the only way to recover payment from you, for example, if you have equity in your home. However, debt collection practices and guidelines give you plenty of opportunity to consider the rest of your options. Although it may seem that bankruptcy is the only solution, you may have a lot of other options if you seek the right support.

If you do not want to be made bankrupt, there is generally something else that you can try. For example, you may make a decision to take out an IVA scheme, which could help you to keep your home and a car of moderate value. It is your right to have time to consult independent guidance and support.

At IVA Online, we think it is vital that you have the opportunity to understand your options and to ask any question that is on your mind. Our approach is to look across the market and find the best solution for each individual without exception. We know the positive impact that regaining control of your life will have.

Will being in debt affect my job?

For lots of jobs, being in debt will not prevent you from doing your job effectively. However, if you take a debt solution such as bankruptcy, or you are in severe financial difficulty, certain professions may not let you practice. For example, regulated professions such as banking, law, accountancy, and certain regulated roles in the gambling profession, have rules that their professionals can’t be under financial distress. Your work contract should contain details of any requirements around your personal financial situation.

Are calls to IVA Online free?

Yes, you can call us on freephone 0330 122 8447 or request a free call back.

What is the company CCS?

CCS Collect is a debt collector that works with a range of clients such as the NHS and HMRC.


Get debt help with CCS Collect Debt Collectors now!