Are you being harassed and bullied by CCS Enforcement Debt Collectors about an outstanding debt? Do you owe money but you don’t have the funds to pay it back? Do you not recognise this debt, or maybe you believe you have already paid it off? Are CCS Enforcement Debt Collectors saying they are planning to take you to court? If any of these apply to your situation, you may find this article helpful in understanding what actions to take next.
Who are CCS Enforcement Debt Collectors?
CCS Enforcement is registered in the UK and specialises in debt collecting. The company has over 40 years of experience and assist customers throughout the UK who are in financial difficulty.
What is the purpose of the contact from CCS Enforcement Debt Collectors?
There is no doubt that the debt collection business is huge. Debt collectors like CCS Enforcement Debt Collectors come in different shapes and sizes; many debt collection agencies work on the basis of being independent businesses, some may work alongside the original creditor such as a credit card company or bank (although they may not admit this), there are even those who work as individual sole trader debt collectors.
The business model of independent debt collection agencies and sole trader debt collectors is based on them buying the debt at a much lower price than the face value, sometimes for as little as 20% of the face value, and they make a profit when you start to make payments. If you don’t make payments, they actually lose money. As you can imagine, there are little morals involved in this exchange; the overriding view is that you got yourself into debt, so it is up to you to get yourself out. They don’t care if you have been put in a bad situation, such as losing your job, they don’t have time for sympathy! There is no empathy involved in the discussions, they just want you to start paying, as quickly as possible. The Office for Fair Trading (OFT, 2010) has said that unfortunately, poor practices “appear to be widespread”.
Do you owe this money?
You may not recognise the debt and wonder if it’s even your yours. In this case, you must establish exactly where the debt came from and how the total cost was established. There is every likelihood that there will be fees and interest added onto the original cost, which may be a reason why you don’t recognise the value of it.
If in any doubt about the debt, you should contact CCS Enforcement Debt Collectors and ask for a copy of your original credit agreement. If they cannot provide this for any reason, or they refuse to do so, you don’t have any obligation to make payments do them.
Do you need to pay?
You have a responsibility to pay the debt, if it is yours, so if you can, this is the best thing to do. The sooner it is cleared off, the better. If you can’t afford to pay the debt, there are other options available to you. You can make an arrangement with CCS Enforcement Debt Collectors to pay the debt back in installments, but you should not pay debt if it is to the detriment of other essential bills, including your rent and utility bills.
Debt collectors and their tactics
You will probably find that debt collectors will use some very questionable tactics to try and get payment from you, some of which may fall foul of the law. Some of these tactics include pressuring and bullying threats, and even frequent calls to your workplace and threats to visit you at home.
If you are being hassled and harassed by CCS Enforcement Debt Collectors, it could be extremely detrimental to your life. It could cause emotional distress, and mental health issues, and even suicidal thoughts in the worst place scenario. Data from the debt support trust has showed that almost half of people who struggle with debt, will contemplate suicide, and it was even recently reported that a coroner raised concerns over the practices of debt collection agencies following the suicide of a courier who was ridden by debt. In their report into mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. As a result of this, the government were called in to take steps to try and deal with this demanding situation.
CCS Enforcement Debt Collectors and the legalities
The Office for Fair Trading (OFT, 2012) had to put some guidelines into place for the debt collection business. As a result of these guidelines, CCS Enforcement Debt Collectors should:
- Ensure they treat debtors fairly and without any aggressive tactics.
- Be transparent with any information provided to the debtor, and refrain from giving any incorrect details.
- Be considerate towards debtors and understand the difficulties they may be facing.
- Act proportionately by taking the debtors circumstances into account.
If you feel intimidated by CCS Enforcement Debt Collectors and you believe they are not abiding by these guidelines, you would have a good case for reporting them the OFT. The OFT may remove their license, if they feel this is appropriate.
You have the right to make a complaint to the CCS Enforcement Debt Collectors, by using this online complaint form.
Unbelievably, there are some debt collectors who act as though they are an external agency when they are actually part of the company you owe money to. As this is deceit, they are falling short of the legislation, and you have the right to make a complaint.
How do CCS Enforcement Debt Collectors operate
In order to deal with CCS Enforcement Debt Collectors appropriately, you need to be able to understand how they work. These are some points to consider about debt collection agencies.
You don’t pay – they lose money
As debt collectors such as CCS Enforcement Debt Collectors purchase the debt from the original creditor, they don’t make any money until you start making payments. This is why they are so persistent, as they really don’t want to lose money. The agents are also under pressure to collect payments, and if they fail to do this, there will be questions to answer. They may also be incentivised by bonuses etc, so they want to get payment from you, as quickly as they can!
It is important that you stay strong when dealing with and debt collection agents at CCS Enforcement Debt Collectors. They may threaten you, but you their threats are empty, and this means you have the ability to turn the tables. The key things to remember are that although you owe the debt, you should not be forced to make any payments that will leave you in unable to pay your urgent commitments.
They may use call technology
Although you might decide not to bother answering the phone to CCS Enforcement Debt Collectors, they may just employ automated call technology that will allow them to keep calling you throughout the day, until you eventually get fed up and pick up the phone. This is a tactic which is used as intimidation and unfortunately, it is common with debt collectors.
According to the legislation, this is not permitted, and if you are receiving a high volume of calls, you should make a note of these. As it could be a breach of the OFT guidelines, you have the right to report them to the OFT. Speak to the agent and advise that you will be in touch with the Financial Ombudsman.
You can contact the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123
The debt collection agent may be friendly and only too happy to help, until they realise you don’t have the funds to make a payment. You may experience a range of different calls, including the friendly ones together with the abusive ones and this may be so subtle that you don’t even realise it is happening. You may receive threatening letters or emails in addition to this, and this is designed to just break you down so that you pay up, regardless of your circumstances. They will stop at nothing to get you to pay up.
There is no doubt that it is extremely difficult to stand up to this kind of behaviour, which is the reason why they do it. It is important to stay strong against this behaviour, as much as you can anyway. Report it to the OFT using this online complaint form, if you feel that their behaviour is unacceptable.
Is it acceptable to discuss the debt with others?
If you fail to answer the calls from the agents, they may try to embarrass you by discussing your debt and financial problems with someone else instead. In fact, they will speak to anyone about your debt, if they think it might make a difference. This may be family member at your home, or it could even be a colleague at your workplace. You can be sure that this is illegal behaviour and a breach of the OFT guidelines, as well as the privacy laws.
This kind of behaviour can be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123
Can they take you to court?
As a last resort, debt collectors may believe they are above the law and may even apply some nasty tactics, such as threatening to take you to court. They may even say that they will visit your home and remove your possessions, but this is untrue and you should not allow them to do this.
Regardless of what they may say, you should not allow them to visit you at your home, and if they do then you can refuse them access to your home. You also have the right to contact the police if you feel that they are causing you to live in fear.
Don’t let them affect your mental health
As you will know, debt collectors such as CCS Enforcement Debt Collectors are often relentless and their behaviour could even be the cause of poor mental ill-health and even suicide. We know that it is difficult to stand up to CCS Enforcement Debt Collectors. You need a high degree of strength and courage, which can be difficult and not everyone possesses this. If you feel under pressure, don’t delay in getting help and support. There is no doubt that you need to get out of debt, but you should do so in a controlled manner and minimise your pain and distress wherever possible. There are always ways to get out of debt, so get help when you need it.
Finding debt help
If you are looking for debt help, there are various kinds of free debt help available. There are not-for-profit agencies who will provide one to one help and support, and there are also commercial debt management companies who are just trying make money out of you. You should always go with the free debt advice first, as the last thing you want is to have even more payments to make. These are just some of the organisations who can offer help.
- Citizens Advice Bureau (CAB) a well known organisation who can provide debt advice for free, as well as help and support with any other issues you may be facing.
- Christians Against Poverty (CAP) provide free debt help.
- StepChange provides free online debt advice helping people take charge of their debt.
Is an IVA worth considering?
If you are in a dire situation with your debt, you can write it off entirely through an Individual Voluntary Arrangement (IVA). An IVA, is a formal agreement where you make an arrangement to pay the debt collectors a specific amount you can afford as either a one-off sum or as monthly payments. The rest of the debt end up being written off after a defined period, usually five years. The IVA process must always be carried out by an insolvency practitioner.
Find a local licenced IVA insolvency practitioner here.
Another option you may wish to consider is a Debt Relief Order (DRO). This is only available to people who have £50 or less each month after household expenses are taken care of. You must not own your home or have assets worth over £1,000. Otherwise, you will not be eligible for this.
To apply for a DRO you will must go through an authorised debt advisor. You can find a list of authorised debt advisors here.
Although there have been warnings from professional bodies, government guidelines, and other measures to combat this behaviour. There are, unfortunately, still many debt collecting agencies who behave in a manner which is unacceptable, especially towards vulnerable debtors, who may be suffering from a mental illness might even be suicidal. If you are in a poor financial situation, it is possible to take steps to combat this, especially with some help from the agencies we have mentioned in this article. You can’t just refuse to pay, but you may be able to reduce the amount you need to repay and spread your repayments over a period that suits your circumstances. You should not put up with their bullying and if they are doing this, you can report them to the Financial Ombudsman, and they may even lose their licence.