You owe money, and CCS Collections calls you repeatedly until you pay. You’re undoubtedly going through a rough patch right now. Unfortunately, CCS Collections and similar firms resort to harsh practices to collect debts from people.
CCS Collections may contact you at any time of day or night to collect a debt. They might suddenly start harassing you on social media. These businesses are notoriously persistent and may continue to bother you for years. They will pursue you relentlessly until they succeed in getting money from you.
Learn your legal options for dealing with CCS Collections and ending their harassing phone calls and letters here.
Who is CCS Collections, anyway?
British company CSC Ltd has been operating since 1975. They serve a wide variety of customers, assisting them in collecting debts of varying amounts. They have experience with both business and consumer debt, giving them a broad perspective on how to serve a variety of customers and achieve their goals effectively.
Among their notable customers, companies including water utilities, the NHSBSA, Vodafone, major credit card firms, and municipal governments pursuing council tax arrears and parking penalties.
How to remove CCS Collections from your credit record.
You may remove CCS Collections from your credit report by following these steps:
- Verify the debt
The very first thing you must do is double-check the information about the debt. As required by the FDCPA, you have the legal right to request documentation from CCS Collections proving that the debt is indeed yours and that it has the authority to collect it. To prevent problems, you must submit a debt validation letter to CCS Collections within 30 days after receiving their contact.
In your debt validation letter, you should request details about the debt from CCS Collections, including the original creditor’s name, the debt’s amount, and the date it was acquired. After receiving your letter, CCS Collections should respond with proof of the debt. Take your time reading this, and note everything that doesn’t add up.
Since CCS Collections is not the original creditor, it is not uncommon for details to be lost or jumbled up in transit to a debt collector; identity theft is another risk. Hence, CCS Collections may have false or misleading data, so it must remove the record from your credit report and cease all collection efforts. This implies the debt may not even need to be paid.
- Request a deletion of goodwill.
Refrain from fretting if you’ve already paid off the loan. If you contact CCS Collections and ask for a “goodwill deletion,” the company will stop reporting the debt to the major credit bureaus and erase the account from your credit record. If you have already paid off the debt and have a history of making payments on schedule, this strategy has a good chance of success.
Write a letter to CCS Collections detailing the circumstances behind your overdue payments and why you feel a goodwill deletion should be granted. You stand a good chance of getting what you want from CCS Collections if your letter is honest and courteous rather than demanding.
- Strike up a “pay to delete” deal.
The next step is negotiating a settlement, especially a pay-for-delete arrangement, with CCS Collections if the debt is verified. When the debt has been paid in full, CCS Collections will erase the debt from your record. Several agencies are willing to take less than the whole sum with little haggling.
You could provide CCS Collections 50% of the total debt as a down payment and negotiate from there. If you’re working with an agency, have everything in writing before making your first payment, and under no circumstances should you provide access to your bank account.
After paying, wait 30 days to see whether the CCS Collections item still appears on your credit report. If it doesn’t go away after making the agreed-upon installments, keep making them until the total amount is paid, and then get in touch with CCS Collections to remind them of the arrangement.
- Consider a credit repair agency.
Resolving issues with collecting agencies on your own may be frustrating and challenging. The assistance of a credit repair service might be invaluable at this point. Professional credit repair services exist to help consumers by disputing inaccurate information found in their credit reports. They will relieve you of the burden of communicating, negotiating, and settling the matter.
If you want to receive your money’s worth, use a dependable credit repair service.
Just a Few Words About “Pay for Delete”
In certain cases, where you pay your debt with an agency, they will accept to have the debt erased off your report. You’ll be required to “pay to delete” your account. Ask the representative of the agency whether, after receiving payment, your file will be deleted. Formalize the agreement using a “pay for deletion letter” to confirm everything and get a signed promise.
Recall that a credit reporting company cannot remove a legitimate account from your records at your request. Your credit may be negatively affected for up to seven years after the account becomes past due, even though it will display as paid.
It is dangerous to pay to have something removed. Even if it may not work, it’s still worth a go. It’s a benefit because the collection agency won’t bother you again if they agree to the settlement.
Is CCS Collections legit?
Having been licensed and regulated by the FCA, CCS Collect is a legal debt collector. Since 1988, CSC Ltd has operated under that name in the UK. Credit Services Association was founded in part by CCS Collect.
While CCS Collect is a legitimate company, you should always wait before paying any required payments, since you may not be legally obligated.
Are Debts Purchased by CCS Collections?
CCS Collect does not purchase debts from other lenders. They serve their customers by pursuing commercial and individual debtors for repayment. Someone from that organization will get in touch with you to request payment. A letter is the most common method, although you may also hear from them by email or phone.
They will usually work with you to create a repayment plan so that the debt is settled as soon as possible.
How Should You Respond to a Lawsuit?
Debt agencies may file suit for any amount, even the smallest. It would be unwise to ignore a debt collector’s legal action against you.
A summary judgment will likely be issued against you if you don’t react. You’ll have to pay back the money owed. The court may take money directly from your paycheck if you don’t comply. All or part of your property may be seized in some states.
While not all companies would file a lawsuit if given the opportunity, anybody dealing with a serious debt agency should be prepared for the worst.
You may see a change in your credit score after using CCS Collect. If CCS Collect and you cannot work out a plan for repayment, a CCJ may be filed to recoup any outstanding amount. A CCJ will remain on your record for 6 years unless paid completely in 30 days.
A CCJ will remain on your record for 6 years even if you pay it off early. Your ability to get new credit, such as a mortgage, may be hampered if you have a CCJ on your record. For this reason, it is crucial to respond promptly to any communication from CCS Collect.
Is CCS Collect financially approved?
The Financial Conduct Authority has approved and is monitoring CCS Collect. The reference number of their FCA registration is 703390. The Credit Services Association was also founded with their help.
If CCS is disregarded, then what happens?
Whether or not CCS debt collectors are ready to negotiate with you depends on the total amount you owe. The most likely scenario is that they will sue you and get a CCJ to force you to pay.
Is it possible for CCS Collections Agents to take my Personal Property?
No way, no how. You can only risk losing your property if you deliberately disregard a County Court Judgment ordering you to do so. This would result in CCS Collect sending bailiffs to your location to reclaim property equal to the amount owed.
Could I go to prison because of my debts?
If you can’t pay your bills, you won’t go to prison. In very unusual cases, though, you can lose all you own, including your house. If it doesn’t work, the courts may even garnish your wages.
When a CCJ is issued, what happens if I choose to disregard it?
If you refuse to comply with a judge’s ruling. If you fail to pay, CCS Collect may petition the court to have bailiffs seize your property and sell it at auction. It’s more costly to lose an item than money since they sell for less than they’re worth.