Commercial Collection Services Ltd.
Dealing with problem debt can be stressful, and having one of your accounts passed to a collector can make it even more so.
If you have had a letter from CCL and are unsure what it’s for or why they are contacting you, we can help.
Are you unsure of your rights or how to go about removing a debt?
Would you like to make a payment towards your account but aren’t sure how?
The following page provides information about who CCL Collect is and the best ways to deal with them.
If you’ve recently received a letter from CCL chasing money you owed to somebody else, we can explain why and what to do next.
In cases where you think that you’re being chased for money that isn’t your responsibility to repay, we can help you deal with that too.
In fact, whatever you need to know regarding credit or debt issues, we’re here to help.
CCL Collect contact details:
Company Name: Commercial Collection Services Ltd.
Other Names: CCS Collect, CCS Ltd., CCS Debt Collection
Main Contact Number(s): 020 8665 4929
Who is CCL Collect?
CCL Collect is a debt collection agency that has been helping their clients recover problem debt for over 40 years. They don’t buy debt portfolios—they merely pursue the outstanding accounts to recover money owed to their clients.
The debts they recover include:
- Water utility debts for United Utilities Water, Anglian Water and Northumbrian Water
- Unpaid taxes for HM Revenue & Customs; including VAT, Self-assessment, corporation tax, National Insurance Class 2 and PAYE
- Outstanding accounts and overpayments of benefits for the Department for Works and Pensions, including:
- Housing benefit
- Council Tax benefit
- Child benefit
- Disability benefit
- Incapacity benefit
- Unemployment benefit
- Family Credit
- Job Seekers
- Maternity Allowance
- Crisis and Budget Loans
- DVLA fines; including SORN and Vehicle Tax
- NHS penalty charges and overpayments where incorrectly claimed prescriptions or treatments were made, student bursary and pension overpayments have occurred, and also where injury benefit scheme overpayments have happened.
CCL Collect is authorised by the Financial Conduct Authority and conforms to the Credit Services Association Code of Practice.
Why would CCS Collect contact you?
If you still have outstanding payments to make or have been subject to an overpayment in any of the previous list items, CCS Collect can be employed to recover the money that you owe.
If you can’t afford to meet the repayments they suggest, they will work with you to find an solution within your budget.
Should you fail to respond when they first contact you, they will often then look to other methods, including court proceedings, to recoup the money you owe.
Do you owe CCS Collect money?
Your initial letter should outline who you owe the money to and what it’s for. It should also outline any payments you have made and how much is left on your account.
If you want to contest the amount or if you don’t believe you are responsible for the debt, there are tools and contact details available on their website to do just that.
If you would rather a professional handled the case for you, we can help.
You should never be expected to pay into a schedule that you can’t afford. Your repayments should be comfortable in line with your current income.
How old is the debt they are collecting?
Some debts can be written-off after a period of 5 or 6 years. If you haven’t made a payment during that time or made no written contact accepting responsibility, then you could be entitled to have it removed.
A lot of the accounts that CCS chases don’t apply to the laws ruled by statute barred debt, but TAD, our resident debt expert is on hand to let you know if your debt falls under these laws.
Is CCS Collect treating you unfairly?
The way your collection process is handled must fall into accordance with the guidelines delivered by the Financial Conduct Authority.
If you engage with their online repayment methods, the system is simple and goes by all of the relevant rules.
However, there are times where debt collectors can step over the line and behave in a way that is unacceptable.
Excessive phone calls are harassment. The use of force is assault or abuse, and even sending mail-outs or letters that have been designed to look like court applications to worry or confuse you are illegal treatments.
If you feel you have been mistreated in any way at all, you could be entitled to protection and even compensation. TAD can let you know if your situation is applicable in any of these areas.
Managing your debt
We are here to help you get your finances under control and to deal with your debt in the simplest way possible, given your situation.
Remember, you should never have to pay more than you can afford. We have a huge amount of experience and information covering the many different ways to manage out of control debt.
We understand that debt can put incredible stress and pressure on the individuals affected by it, and also on their families.
We want to help you get your budget back on track, and in a manner that sits happily within your means and your everyday life. Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.
If they can challenge the debt, they will make sure you don’t have to pay them a penny.
If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.
Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.
For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.
*Talk About Debt is not associated with CCS Collect or any of the agencies in our debt collection agency and bailiff directory.