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CCI Credit Management Debt – Should You Pay?

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Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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CCI Credit Management Debt Collectors

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you’ve got a letter from CCI Credit Management and are not sure what to do, you’re in the right place. We’re here to help make things clear.

Every month, over 170,000 people come to our website for guidance on their debt questions, so you’re not alone. We understand it can be hard to know what to do if you’re unsure about a debt or worried about paying.

In this article, we’ll cover:

  • Who CCI Credit Management Ltd are.
  • How to check if the debt is really yours.
  • What to do if you can’t afford to pay.
  • How to stop CCI Credit Management from contacting you.
  • Ways to set up payment plans or even write off your debt..

Research shows that 64% of UK adults find interactions with current debt collectors stressful1. So, our team knows how you feel. We’re here to help you understand your options and make the best decision for you.

Let’s get started and find out more about CCI Credit Management Debt and what you should do.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Receiving a CCI Credit Management Debt Letter

Receiving a CCI Credit Management debt letter is a different ball game to receiving a phishing email or text. These letters must be acted on, or you could face legal cases and even enforcement agents turning up at your door.

The debt letter sent by CCI Credit Management is known within the debt collection industry as a Letter Before Action, or simply an LBA. 2

The letter requests payment by a certain date, often in an aggressive or threatening tone, or indicates that CCI Credit Management and their client will take you to the courts to enforce the debt legally.

Typical Debt Collection Process

CCI Credit Management will call or send letters to request payment. This is completely normal, as it’s part of the debt collection process.

I’ve put together this table that explains the key stages in the debt collector timeline. If you require further advice or want to learn more about the actions involved, make sure to read our complete guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

How do I Verify CCI Credit Management Debt?

If you have received debt letters from CCI Credit Management but aren’t sure if they’re legit, what do you do?

From my experience, the best thing to do is ask for proof that the debt is yours. I have a free ‘prove it’ letter template that you can use to help you write to CCI Credit Management and request evidence that you are liable for the debt that they are chasing.

You are under no obligation to pay for a debt that can’t be proven to be yours.

It is crucial that you respond to legitimate debt collectors quickly. Responding quickly will help you avoid any extra charges or fees. Not ignoring debt collectors also means that you are less likely to face legal action, such as a CCJ.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Do I Need to Pay CCI Credit Management Debt Today?

The thought of having to go to court or having enforcement agents banging on your door can be scary and cause severe mental health problems. When an LBA is threatening, it might feel easier just to pay (if you can afford it) and get rid of them.

But acting on an LBA does not always mean paying. There are things you can do to exercise your rights and buy time. Sometimes you can avoid paying your CCI Credit Management debt altogether.

» TAKE ACTION NOW: Fill out the short debt form

Will CCI Credit Management Debt Agents Visit My Home?

The CCI Credit Management Debt Collection website does indicate that they will visit debtors’ homes, however there is no guarantee that they will send their field agents to your home. If they do come to your door, you do not need to open the door or let them inside.

Our financial expert, Janine, says: ‘I understand that having a debt collector at your door can be scary, especially when you are already under huge financial stress. It’s crucial that you stay calm and know your rights. They have no power to enter your home or take any of your possessions.’

Remember, even with a court order for the debt, workers for CCI Credit Management are not enforcement agents and cannot request entry.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Can CCI Credit Management Ltd take My Possessions?

CCI Credit Management can go to the courts and get a court order on active debts. This order will then permit an enforcement agent to come to your home and request payment.

If a payment plan is not offered or agreed, the enforcement agent can then remove goods to the value of the debt.

Your goods would be sold at an auction if payment is not received soon after. But the crucial aspect to bear in mind that in any situation, it is never CCI Credit Management employees that take your goods. Only law enforcement agents can be granted this permission.

If these bailiffs turn up at your door, use our advice to deal with them in the correct way.

Will CCI Credit Management Affect My Credit Score?

Yes, debt collectors like CCI Credit Management can affect your credit score, but not in the way that many people think.

Once you have missed a few payments or defaulted on an account – which negatively impacts your credit score, too – your debt might be sold to these collectors, it will appear as a second collection account on your credit file, and the original entry may be marked as ‘sold’ which doesn’t look good!

 If they don’t add a second entry to your credit file, the entry for your original debt can be changed to add the debt collection company’s information. 

While it is unlikely that they will do this for smaller debts, they have the legal right to.

These collection accounts will negatively impact your credit. They are visible for 6 years and will impact your ability to get credit or use some credit products during this time.

This is because companies use your credit file to see if you are a ‘high-risk’ customer – someone who might have difficulty paying their bills on time. If you continue not paying until you have a CCJ against you, you have had such trouble paying back your debt that someone had to go to court about it.

Understandably, companies are going to be reluctant to give you credit!

After 6 years, it is no longer visible on your credit report, and you should find it easier to get credit again.

You also need to be aware that any debt solutions that you use will also be visible on your credit file for 6 years, and your credit score may be affected. However, once these 6 years are over, your debt solution will no longer be visible, and you may find it easier to get credit again.

Debt Proven but Can’t Afford to Pay Your CCI Management Debt?

Not everyone has the fortune to be able to pay their debts off at once. You might not be able to pay the full amount requested because:

  • It is a significant amount
  • You are unemployed
  • You don’t earn enough
  • You have other debts

In all of these cases, there is still a way to solve your CCI Credit Management debt. This debt collection agency is open to agreeing payment plans and even have a customer portal to accept regular payments on their site.

You can agree a payment plan with CCI Credit Management. Make a payment each month and clear your debt in time.

Top Tips for Making a CCI Credit Management Payment Plan

If you want to use a payment plan to clear your CCI Credit Management debt, here are some top tips:

  1. Work out your disposable income
  2. Never agree to pay more
  3. Contact CCI Credit Management if your situation changes
  4. Consider paying more if you get employment or a raise to pay the debt off quicker

Can I Stop CCI Credit Management Debt Agents from Contacting Me?

You cannot block all communications from CCI Credit Management. They require some way to contact you so they can ask for payments or discuss any further details with you, such as a payment plan if necessary.

But you can request that CCI Credit Management only call at certain times, such as not during your working hours or not after a certain time in the evening. Not respecting your preferences or repeatedly calling could be classed as harassment and you could report them to the FCA for their actions.

CCI Credit Management Complaints

The use of these techniques and other events have caused many people to complain about CCI Credit Management. If you browse any of the forums on UK money sites, you will uncover an array of negative reviews and complaints.

If you want to complain about CCI Credit Management, it may be best to do it through the FCA.

Other Debt Collectors to look for on your Credit Report

There are hundreds of debt collectors in the UK and they each collect for different companies.

It’s surprisingly easy to not notice that you’re in a debt collector’s crosshairs.


I’d suggest you spend time checking your credit report. If a debt collector purchases any of your debt, it will appear on your credit report.

Some of the biggest to look out for include Cabot, PRA Group, and Lowell.

So if you see anything relating to their names, then you’ll need to investigate further.

CCI Credit Management Contact Information

Opening hours: 09:00-17:00 Mon-Fri
Address: Head Office
CCICM, The CCI Centre,
Snowdonia Business Park, Porthmadog, LL48 6LD, United Kingdom

Ireland
CCICM, Level 1, The Chase, Carmanhall Road,
Sandyford Industrial Estate, Dublin, D18 Y3X2, Ireland

Shanghai
Office 6056 6F, 21st Century Tower No. 210 Century Avenue, Pudong District, Shanghai, China 200120
Contact form: https://www.ccicm.com/contact-us/
Website: https://www.ccicm.com/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
  2. Citizens Advice – Letter before court action
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.