The Ultimate Guide to CCS Collect Debt Collectors

Debt is nothing to be ashamed about, and if you’ve been contacted by debt collector CCS Collect, then we have all the information you need to take the next steps.

Paying back debt can seem confusing and scary, but below you will find out all you need to know about CCS Collect, how you can pay your debt back, and even if you need to.

You may be wondering why you’ve been contacted by CCS Collectors, or you may be panicking thinking about how you’re going to pay them back.

Well, you can put your fears aside, as we’ll answer any questions or queries you may have below, and show you what advice you can get.

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Who are CCS Collect Debt Collectors?

CCS Collect is a debt collection agency that collects debts on behalf of other companies. Some of their clients include HMRC, Sky, and BT.

CCS Collect deal with commercial and consumer debt and follow up on outstanding payments for their clients. This means that they can send you letters, and ring you about any debt you may have, and ask you how and when you want to make a repayment.

They want to take payments, but at the desired amount and rate for you, so that everybody wins. Companies like CCS Collect want to reach a debt solution for you and help you make a decision when it comes to payment.

Don’t Pay CCS Collect Without Getting Advice

You shouldn’t pay CCS Collect debt collectors without getting some help from a professional debt advisor. Check out the video below to learn more and to find out what kind of help you can get.

Where are they based?

CCS Collect is registered in England and its offices are currently based in Thorton Heath, Surrey.

They are a fully UK based company and only deal with debt payments, either commercial or consumer, in the UK.

Although there are no in-person appointments available, there are different ways in which you can contact CCS Collect, all of which are listed below under ‘How do I contact CCS Collect debt collectors’.

Are they a legitimate company authorised and regulated in the UK?

Yes! CCS Collect was established in 1975 and is an authorised company that is regulated by the FCA (Financial Conduct Authority).

They are also a founding member of the Credit Services Association, and so know what they’re doing when it comes to debt collection.

Please note that you can always wait before making any requested payments, and speak to a debt service advisor first who can offer you free advice, to make sure you’re only paying what you need to.

What legal powers do they have over me?

CCS Collect has no legal power over you when it comes to debt collection. As debt collectors, they hold the same amount of power as the company they are collecting for.

This means that they can chase you up on your debts through many ways including:

  • Sending letters to your home to notify you of your payment
  • Calling your home to tell you about your need for repayments
  • Sending ‘field agents’ round to your house, if their other ways of contact have been ignored to tell you, you have debt payments to make.

It is necessary to remember they are never allowed to harass you, nor are they allowed to enter your home.

However, if you do have any outstanding debts, and refuse to pay or ignore their attempts to contact you, then they can take you to court.

But if you believe they are harassing you, remember that you still have rights, and you can make a complaint with the proper authorities.

Why is a third party contacting me about debt collection?

CCS Collect collect debts on behalf of a company to which you may owe money. These companies will hire third-party companies like CCS Collect to chase up outstanding payments so they don’t have to.

These third-party companies, like CCS Collect, represent companies such as water companies, utility companies, and HMRC amongst others, to follow up on unpaid council tax and payment.

It could be that you owe a significant amount of money, or maybe even a small bit of interest that was added that needs to be paid off. It might even be that they’ve been given the wrong information and you don’t have to pay anything at all.

Either way, sorting out your debt and making sure you’re making the right payment is essential, so always seek out advice before you do anything, to make sure you are making the right decision.

How do I contact CCS Collect Debt Collectors?

If you’re wanting to start your repayment process, or find out more about why they are contacting you, you can contact CCS Collect through their contact details:


Phone: 020 8665 4929

Email: [email protected]

Address: Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1GR

CCS Collect is registered in England and is an authorised and regulated debt collector, so you can rest, assured that they are here to help.

However, please talk to a debt service advisor before paying back anything, and always be honest about your situation. It’s better that they know how and when you can pay, or if you can, so they can help you.

How do debt collection agencies operate?

Most debt collectors, such as CCS Collect work similarly in terms of how they get you to make a payment:

  • Advise you that you have outstanding payments and that you owe money to one of their clients via letter or telephone call.
  • Here you can set up a repayment plan, depending on your situation, or pay off your debt in a lump sum.
  • You can make a payment either over the phone or through their website/bank transfer.
  • If ignored, they will chase you up via more letters and telephone calls.
  • Some agencies send ‘field agents’ around to your house to talk to you in person about your outstanding debts.
  • If an understanding cannot be reached, in some serious cases, they can take you to court on behalf of their clients.
  • Then either bailiffs will be dispatched, or pay will be taken out of your salary before it is put into your bank account.


Always remember, though, to check first before paying anything, and again, be honest about your situation, so they can help you to repay as best you can, when you can.

In some cases, your debts can be written off, even partially, so always check with a debt service advisor to find out about your situation, and see what help you can get regarding your money.

Why is a debt collection agency contacting you?

A debt collection agency, like CCS Collect, will be contacting you because you owe money to one of their clients.

They will contact you to tell you of these outstanding payments and set up a repayment plan so you can pay off these debts.

Sometimes it might be that you’ve paid off what you owed, but interest rates were applied that you were unaware of, so it’s always best to check and see.

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It could also be that you don’t need to make a payment at all, and your debts could be written off. So, always check with a debt service advisor to see what debt solutions you can reach.

Or it may even be an honest mistake and a mix up of your information. This is why you should always double-check before making any payments, or giving any other personal information to CCS Collect, or any other debt collectors.

What if I cant afford to pay back a debt?

We all go through hard times, and there is no shame in not being able to pay back your debts. The best thing to do is follow these steps:

  • Be honest upfront: debt collectors know that sometimes you can’t always pay your debts back right away. Always be honest about your situation.
  • This means that they can suggest a repayment plan that suits you; that works around your schedule and can help you pay your debts back when you can.
  • Please don’t lie and say you will pay them back when you can’t: this will definitely complicate the situation and could lead to more emotional stress down the line.
  • Contact and speak to a debt service provider to discuss your debt, and see if you might be able to write your debt off. Either altogether, or even just a part of it.
  • They can only chase you for up to six years unless you’re taken to the county court.

Just remember to always be honest about your situation. Debt collectors like CCS Collect don’t want to cause you any undue distress and will work with you to create an outcome that benefits everyone.

However, you should always remember that they are not allowed to harass you in any way, and you should always do research before handing over any money, or any other personal information.

Can pay but won’t pay?

If you have the money to pay back your debts but feel like you don’t need to and therefore refuse to pay them back, here’s some advice.

  • Firstly: Contact a debt advisor. They will be able to check and work with you to see if you really need to pay your debts back, or if some or all of them can be written off.
  • Secondly: you will be chased. CCS Collect and other debt collectors will ring you and send you letters to notify you of your debt.
  • Next: legal action. If you ignore these attempts of contact or state that you will not pay the debts back then CCS Collect and other companies can take legal action against you on behalf of their clients.
  • County court: You can be taken to court for refusal to pay your debts. If you have taken no action to prove you don’t need to pay, then you can be forced to by the courts if they see fit.
  • Finally: Either a bailiff will enter your home and take items that are equal to the amount owed, or the sum of the debts can be taken from your salary before it hits your bank account.

You might not have to pay your debts, so you should always check to see if your debts can be written off, even partially.

Whenever you are contacted about your debt, contact a debt advisor who can advise you on the next steps.

How debt collectors can ruin your life:

It can feel like debt collectors exist to ruin your life, especially if you ignore them and they keep contacting you. This can affect you in many ways:

  • It can affect your mental health
  • It can feel humiliating
  • It can cause emotional distress
  • All of these feelings can build up and can cause you to feel like it’ll never end

Debt is something that you may feel like you need to hide and be ashamed of, but that’s not the case. Everyone at some point can get behind, and debt collectors like CCS Collect can help you to repay your debts at a time and amount that suits your personal situation.

As long as you’ve gotten advice, and checked what you need to pay back, all it takes is one step to get on your way again.

However, if you are feeling low and feel that there is no way out, please seek help. There are many helplines that you can contact who can help you to get back to feeling yourself again.

How to deal with debt collectors:

Being contacted by debt collectors can feel scary, but it doesn’t have to be. The best way to deal with debt collectors such as CCS Collect is by being truthful:

  • Be honest: if you’re honest about your situation then they can help you get back on your feet.
  • Seek advice: see if your debt can be written off, either wholly, or partially by contacting a debt advisor or checking online.
  • Don’t ignore them: you will be chased if you ignore debt collectors, and they can take you to court if you do.
  • Seek help: from debt advisors who can offer you free debt advice and talk you through the collection process.

Debt collection can seem like a scary process, but the best way to deal with it is by being honest about your situation and seek help from others.

You have every right to seek advice, guidance, and help to understand your debt situation better. Take your time and find out about all of your options before making any decisions.

Repaying debt won’t happen overnight, but there is help on hand to get you through and make sure you are doing the right thing.

Seek debt advisor help:

Before you do anything, always seek debt advisor help.

They can give you free debt advice about what to do in your situation, and the options you have.

Don’t make a payment unless you’ve gotten help first and understand what it is you have to do.

Debt advisors will be able to help you with what you should do next. They will be able to tell you whether you can become debt-free or even if just some of your debts can be written off. Some advisors may be able to reduce the debt you owe by up to 85%.

They can give you advice on what rights you have, and what you can ask for in terms of repayment plans.

Best of all, seeking out debt advice can help to de-stress the situation and make you more confident in what you have to do next, and what choices you want to make.

Check if you really owe a debt collection company money:

Even though a lot of debt collection companies are legit, such as CCS Collect, others could be trying to scam you.

Or it could be that they have been given the wrong information, and you might not owe any debt whatsoever.

Just follow the advice below to make sure you’re not paying anything you shouldn’t be:

  • When you’re first contacted by a debt collection company, you can always demand to be shown proof that you really owe them, or their clients, money.
  • If they can’t provide this proof, then you have no obligation to pay.
  • If they continue to harass you, you can block them, or make a complaint to the proper authorities.
  • If you do have debt to repay you can check and see if you may be able to write any of your debts off, either through a debt advisor or online.
  • Always seek out debt advice as help is there if you need it.

Debt is seen by some as something shameful, but this is not the case. Everyone gets behind, and debt collection agencies such as CCS Collect are not trying to shame you.

If you’re honest about your situation and what you can or can’t pay, then they can work on a plan that works for everyone.

Always scope out your options, and check and see if you really owe any debt before you make any repayments or decisions.

Please seek help if you are feeling overwhelmed by your debt. If you are feeling low, or that there is no escape there are many helplines you can turn to if you feel like your debt situation is getting out of hand. There is always someone to talk to.

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Advice is always there for you when you need it, so seek it out, and take the first step in paying back your debts, and getting back to normal.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.