CCS Collect is a trading style of Commercial Collection Services Limited. It is a debt collection agency with 40 years’ experience. CCS Collect recovers debt for a variety of organisations including HMRC, the NHS, DWP and utility companies.
CCS Collect is authorised and regulated by the Financial Conduct Authority and is a member of the Credit Services Association. CCS Collect is also accredited with:
- ISO 9001 Quality Management
- ISO 27001 Information Security Management
Why Have CCS Collect Contacted Me?
CCS Collect is a debt collection agency so, if you’ve received communications from them, the likelihood is that you owe money to one of their clients. CCS Collect provides debt recovery services to water companies, HMRC, the DWP, NHS, DVLA and the Student Loans Company.
If you’ve got an overdue account, or have received an overpayment, CCS Collect will contact you on behalf of the company to arrange for you to repay.
CCS Collect is one of the debt collection agencies used by HMRC. You may be contacted by CCS Collect in relation to underpayment of:
- Self-Assessment tax bill
- Corporation Tax
- Class 2 National Insurance contributions
You might receive contact from CCS Collect with regards to recovering fines issued by the Driver and Vehicle Licensing Agency (DVLA). CCS Collect works with the DVLA to collect outstanding penalties given if you have failed to tax your vehicle.
If you do not tax your vehicle or complete a Statutory Off Road Notification (SORN), you will automatically be issued an £80 fine. The fine is still payable, even if you have now taxed your vehicle or declared it off the road.
What Will Happen If I Don’t Pay A DVLA Penalty?
Non-payment of the DVLA penalty is a civil offence of Section 7a of the Vehicle Excise and Registration Act 1994. If your vehicle remains untaxed, it could be clamped, removed and impounded. If this happens, you will incur fees for the storage and release of your vehicle.
The Department for Work and Pensions use the services of CCS Collect to recover overpayment of benefits and allowances. This includes:
- Housing Benefit and Council Tax Benefit
- Child Benefit and Family Tax Credit
- Disability Benefit and Incapacity Benefits
- Unemployment Benefit and Jobseekers Allowance
- Maternity Allowance
- Crisis or Budgeting Loans
Unpaid Water Bills
CCS Collect also work with some of the UK’s largest water companies. If you are struggling with water debts, there a number of schemes available which may be able to help you.
DWP Water Direct
If you have difficulty keeping up with your water payments, and are in receipt of certain benefits, you could join the DWP Water Direct scheme to make regular payment towards your water arrears.
Your current water charge, plus £3.60 a week towards your arrears, will be deducted directly from your benefits (Income Support/ Jobseeker’s Allowance/ Pension Credit/ Employment and Support Allowance) over a 52-week period.
I Can’t Afford To Pay My Water Bill
If CCS Collect have contacted you about water bill arrears, and you can’t afford to pay, you should contact them to discuss your situation. Depending on your circumstances and your water company, you may be eligible for a grant, reduced tariff, annual cap on your bills or payment match scheme.
NHS Penalty Charges
Have you received an NHS Business Services Authority (NHSBSA) Penalty Charge Notice? The NHSBSA send Penalty Charge Notices if you incorrectly claim a free prescription you weren’t entitled to, or free or reduced cost dental treatment. You can appeal the Penalty Charge Notice if you think it has been issued in error.
If you do not pay a valid Penalty Charge Notice on time, your details will be passed to CCS Collect and a surcharge will be added to the amount you owe.
CCS Collect also recover NHS overpayments of student bursaries, pensions and injury benefit schemes.
CCS Collect might get in touch with you about your outstanding student loan, as they work with the Student Loans Company.
Income Contingent Repayment Loans
Did you take out a Student Loan for a course that began in September 1998 or after? If so, you will have an Income Contingent Repayment (ICR) Loan. This means your loan repayments are dependent on your income and are normally deducted from your wages (if you’re employed) or your self-assessment tax return (if you’re self-employed). If you’ve underpaid, CCS Collect will contact you to recover the amount owed.
If you left your course early or had a change of circumstances while studying, you may have received a grant overpayment that you need to repay.
If you live overseas, you will make student loan repayments directly to CCS Collect.
Making A Payment Plan
CCS Collect might allow you to make a repayment plan to clear your debts, if you are unable to repay in full immediately. You must take care to ensure you know how much you can afford, before committing to a plan. You should make a budget or use CCS Collect’s Affordability Assessment form to determine a realistic, affordable monthly amount.
How Can Scottishtrustdeed.co.uk Help Me?
Scottishtrustdeed.co.uk provides professional debt advice and have a range of debt management plans available which could help you get debt-free sooner. If you are having difficulty repaying your debts, you should get in touch with one of our debt specialist advisers who can talk you though your options.
If you are unhappy with your experience with CCS Collect, you can make a complaint. You can write to:
797 London Road,
Or email: [email protected]
After making your complaint directly to CCS Collect, if you are unsatisfied with their response, you can escalate your case to the Credit Services Association or the Financial Ombudsman Service.
Credit Services Association,
2 Esh Plaza,
Sir Bobby Robson Way,
Newcastle Upon Tyne,
The Financial Ombudsman Service,
Can CCS Collect take me to court?
If you owe money to CCS Collect and you do not pay, you can be sued. If CCS Collect sues you and wins, the court will enter a judgment (also called an order) against you that says you must pay back the debt. But if all your money and property are protected, then creditors cannot take them from you. Get free advice here.
Legally write off up to 85% of debt to CCS Collect
Unaffordable debt to CCS Collect can be legally written off by using the LEGISLATED Scottish Trust Deed or IVA program (If you reside in England). This can also protect your assets, such as your house or car from repossession. See if you qualify by using our free debt calculator here.
How can I stop debt letters from CCS Collect?
Write to CCS Collect to Request them to Stop Contacting You (If That's What You Want) Under the FCA guidelines, if you request that a debt collector stop contacting you completely, it must do so (with a few exceptions). Your request must be in writing. You can use our 'prove the debt letter' to do this. Download it for free here.
Can CCS Collect come into my house?
Without a court order, absolutely not. Neither CCS Collect or any other debt collection agency nor a debt collector is considered a court-appointed bailiff. CCS Collect may visit the address of a debtor but cannot enter the dwelling without the consent of the resident.