About CCS Collect
CCS Collect is the trading name of Commercial Collection Services Limited, a debt collection agency in Croydon. It is authorised by the FCA (FRN 703390) and is a member of the Credit Services Association. Since November 2024 it has been owned by BPO Collections Limited, whose parent is a Canadian company, according to Companies House.
GOV.UK names CCS Collect as one of the agencies HMRC uses to collect unpaid tax. CCS says it collects VAT, Self Assessment, Corporation Tax, Class 2 National Insurance and PAYE debts for HMRC. It also collects the DVLA's £80 penalty for an untaxed vehicle or one not declared off the road (SORN).
CCS says it does not buy debts. It collects for the organisation you owe, so that organisation still makes the key decisions. A letter from CCS is a request to pay or get in touch, not a court claim, and you can reply in writing to check or dispute what it says.
Group Structure
BPO Collections Limited
Ayrshire collection agency that has owned more than 75% of Commercial Collection Services Limited since November 2024, according to Companies House. It is also on the GOV.UK list of agencies HMRC uses.
Company number: SC295285
HM Revenue and Customs (HMRC)
Uses CCS Collect to collect some unpaid tax. HMRC still owns the debt and decides on disputes and payment plans.
Driver and Vehicle Licensing Agency (DVLA)
Passes unpaid £80 penalties for untaxed or undeclared vehicles to collection agencies, including CCS Collect.
What a CCS Collect Letter Typically Looks Like
- A first letter confirming the amount owed, the client you owe and a CCS Collect reference number.
- For HMRC debts, the type of tax, such as VAT, Self Assessment, Corporation Tax, Class 2 National Insurance or PAYE.
- For DVLA debts, the £80 penalty for an untaxed vehicle or no SORN, with the vehicle registration number.
- Phone calls, emails and texts, with 020 8665 4929 the number CCS gives on its own website.
- An invitation to pay or set up a plan through the portal at portal.ccscollect.co.uk, or to send an affordability assessment form.
- If you do not reply, a further letter about next steps, which CCS says may include a doorstep agent visit or legal action if its client allows.
Your Rights
Proof of the debt and who owns it
You can ask CCS in writing to name the client, say what the debt is for and show how the amount is made up.
HMRC agency rules
GOV.UK says HMRC's debt collection agencies only contact you by letter, text or phone, will never visit your home or place of work, and are all regulated by the FCA.
Breathing Space (Debt Respite Scheme)
A debt adviser can apply for Breathing Space for you. It pauses most creditor action, interest and charges for 60 days while you get advice.
FCA Consumer Credit sourcebook (CONC 7)
CONC 7.9 bars unreasonable or oppressive contact, and CONC 7.14 requires collection to be suspended while a genuine dispute is investigated.
Complaints
Email complaints@ccscollect.co.uk or write to the Complaints Manager, CCSCollect, Norfolk House, Wellesley Road, Croydon, CR0 1GR. For consumer credit accounts you can then go to the Financial Ombudsman Service. For HMRC debts you can also complain to HMRC.
Common CCS Collect Scenarios
A CCS Collect letter about an HMRC tax debt
GOV.UK names CCS Collect as one of HMRC's agencies and says they will never visit your home or workplace. If you think the tax is not owed or the amount is wrong, say so in writing and ask for a breakdown. HMRC decides disputes and payment plans, so you can also contact HMRC directly.
A DVLA £80 penalty you think is wrong
If the vehicle was taxed, sold, scrapped or declared off the road at the time, write to CCS with your evidence, such as a tax reference, SORN confirmation or proof of sale. Keep copies of everything you send.
A debt you do not recognise
Do not pay until you have checked. Write to CCS asking it to name the client, the original account and how the amount is made up. FCA rule CONC 7.14 says collection should be suspended while a genuine dispute is investigated.
A doorstep agent visit
CCS says it may send a doorstep agent if you do not reply. Doorstep agents are not bailiffs. They cannot enter your home, take goods or clamp a vehicle, and you do not have to open the door. You can ask in writing for contact by post only.
You can pay, but not all at once
CCS has an affordability assessment form you can send by email or post. Offer an amount you can keep up, based on your income and spending. A debt adviser can help you work this out for free.
You are struggling to pay
Tell CCS in writing and ask for time to get free debt advice. A debt adviser can apply for Breathing Space under the Debt Respite Scheme, which pauses most creditor action and interest for 60 days.
Dispute the Debt by Post
Our debt collection dispute letter is written from your answers in the letter builder. Depending on what you tell us, it can say you do not recognise the debt, dispute the amount, or that it is already paid or statute-barred, and it can ask for the Default Notice and Notice of Assignment. Check the finished letter before you pay, then we print it and post it by Royal Mail.
- Disputes the debt and asks them to prove it
- Cites the law that fits your answers
- Gives them 30 days to reply
- Says you will complain to the Financial Ombudsman Service if they do not
- Asks for contact in writing only, if you choose
Dispute This Debt
- Guided step by step in the letter builder
- See the finished letter before you pay
- Printed and posted by Royal Mail
- Tracked delivery available
From £2.79, including printing and Royal Mail postage. Nothing to add.