Who We Are
1. Who are CCI Credit Management Ltd?
A: CCI Credit Management Ltd is a debt collection agency based in the UK. We work for many different companies and public sector organisations whose customers have either fallen behind with repayments or have failed to pay an outstanding lump sum. We work with you – the customer – to agree and establish a fair and affordable plan to allow repayment of the debt.
2. Did CCI purchase my debt?
A: No, CCI Credit Management Ltd does not purchase debts. Your account was referred to us by your creditor to collect on any unpaid sums that are due to them.
3. Is CCI regulated?
A: CCI Credit Management Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and is fully compliant with all the relevant provisions of the FCA Handbook.
4. I have been contacted by CCI but I don’t recognise your client, the services or the details of the invoice, what should I do?
A: If you have been contacted by CCI Credit Management Ltd (whether by letter, email, text or voicemail) but you struggle to recognise the details, please contact us by either: Telephone: 01766 771166, email, or via your secure customer login and we will be happy to provide you with further details.
5. Where do I obtain my secure customer login details from?
A: Your username and password is normally printed on the letter that we send to you. If you have not received this you should call us on 01766 771166 to request your login details.
6. I have received a letter for someone who does not live here (anymore), what should I do?
A: If you have received a letter that is addressed to someone who does not live at your address, please call on 01766 771166 or Email Us to advise us so we can stop writing to your address. If you know the person, it would be very helpful if you could supply any contact details for them. You can always return the envelope to us marked as ‘gone away’. All records are held against an individual’s credit file. Even if your address is linked with a person who has had an outstanding debt this should not affect your ability to obtain credit.
7. When I call your office or receive a call from your office, I am asked to provide my personal information such as my full name, full address, DOB, why?
A: Your personal data security is extremely important to us and we cannot discuss your account until we have confirmed that we are talking to the correct person.
8. Do you record all your calls?
A: All our calls are recorded and routinely used for training, compliance and auditing purposes. All call recordings are turned off when taking card payments.
9. Will your actions affect my credit rating?
A: Our involvement will not necessarily affect your credit rating (for example sending letters or making phone calls). However non-payment of certain types of debt such as consumer credit debt is reported to the major credit bureaus (credit reference agencies such as Experian and Equifax) by the creditor. CCI may conduct a search at your address and this will be recorded as a debt collection search. This ‘footprint’ will be then visible to you only. In the event payment is not made, our clients may instruct us to issue legal proceedings. If Judgment is recorded against you this may have an adverse effect on your credit rating and ability to obtain credit at competitive interest rates in the future. Generally, County Court Judgments are valid for a period of 6 years. If paid they will be recorded as satisfied, however the Judgment will remain visible for the remainder of the 6 years.
10. I cannot afford to pay in full.
A:If you cannot afford to pay the outstanding balance in full, please contact us to discuss a mutually agreeable payment arrangement. Most instalment plans that do not exceed 6 months can be agreed after a short assessment of your financial circumstances with one of our agents on the phone. It may however be necessary for you to complete an income and expenditure form called a Common Financial Statement if we believe your repayment plan is unaffordable or exceeds a time limit agreed by the creditor. Please click here to download the Common Financial Statement.
If you are experiencing financial difficulties and cannot make any payments, please contact us and we will try to find a solution for you. It is likely that we will recommend that you contact organisations that offer free and independent debt advice. Please see the ‘Help and Advice’ tab further down for more detail. If you are already working with one of those organisations or you have a debt management plan with an authorised debt management firm, make sure that they have included our client’s claim within your plan. In any event, we encourage you to contact us and advise us of your situation so we can adapt to your needs.
11. I wish to increase / decrease my payments, what should I do?
A: If you wish to change the amount you are currently paying, please contact us to discuss your options as we may need to carry out a short assessment of your financial circumstances.
12. I have received a notice from you advising me a field agent will call at my address.
A: We may appoint an agent to visit you in order to discuss repayment of the outstanding debt and asses your current financial circumstances. You will be notified in advance in writing of their intended visit. Our agents will not request payment from you at the time but it will be helpful if you could provide them with details of your income and expenditure in order for them to make an assessment of your financial situation. Information provided to our agent will be reported back to ourselves as well as the creditor.
13. I dispute the debt / what will happen if I refuse to pay?
A: If you believe that the debt is NOT owed, please contact us immediately to tell us your reasons. We will need as much detail as you can provide. It is of vital importance that we receive enough information to support your dispute. In the absence of such details, we cannot request a response from our client in order to resolve this matter and therefore we must continue to pursue for the full outstanding balance.
Refusal to pay or ignoring our correspondence may result in legal and enforcement action being taken against you where you may be liable for further costs in addition to the amount you owe.
14. I no longer live in the UK, what shall I do?
A: The debt remains valid and you must contact us urgently to arrange for payment to be made to prevent this matter being passed to an agency in the country where you’re now living.
15. I owe more than £1000 to the National Health Service in relation to overseas visitor charges.
16. I have received a letter but am covered by insurance, what shall I do?
A: If you are able, we ask that you make payment immediately and reclaim the payment from their insurer. If you are unable to make an immediate payment you should contact us urgently to prevent any further action being taken against you. In certain circumstances it may be possible to suspend action on the condition we receive confirmation from your insurer that payment is being made. Please ensure the following actions are taken:-
- Contact our office to advise us the insurer is dealing with the matter. We will be able to provide you with the invoice numbers relating to this matter and enough time for you to resolve the matter with your insurer.
- Contact your insurer and ask them to confirm the invoice(s) have been received by them and for them to contact us to confirm that payment will be made.
If the answer to your question is not listed here, please feel free to contact us on 01766 771166 or Email Us
Help and Advice
Make a Complaint