Forums
CCS collections is listed in my credit report against an outstanding debt.
How can I be sure that I owe the debt?
Can I get this item removed from my credit report if I pay off the amount in full?
Will my credit score improve if I pay it off and close the account?
I would be grateful if anybody can provide me with their contact details and phone number.
Thanks
this is the worst collection agency the dont have there act together and their just out to ruin your credit
car accident
i was in a car accident and i am fault now the company that insured the other owner is allstate it hasnt even been a month. allstate did not attempt to contact me themselves to show estimates to me. they got one estimate and fixed his car and never informed me of anything. they just sent it to the credit collection services who contacted me saying the cost to fix the car was 1100 dollars. they credit collection services says they are not a debt collector and refuse to give me the number to the insurance company i need to figure out if by law i am entitled to more than one estimate if the insurance company should of contacted me before sending it to this company?
05034927636
Confermation of insurance:
-----Original Message-----
From: John Andrews [mailto:john.andrews.cn6o@statefarm.com]
Sent: Wednesday, April 01, 2009 1:49 PM
To: Gregg Martin 102255
Subject: 1996 Tiara 29 Open
You still want to go with $60,000 coverage? I received the survey, also.
Effective date of May 1.
CSC
O, I must agree they are definitely scum. I believe they were all mistreated as young children and decided to choose a career where they could bully others in such a way that would hide them which in this case is behind the phone. Would we call them telephone gangsters? lol. I spoke to a male firstly, O how understanding he was then to a supervisor "female" which was complete t r a s h. More than likely mistreated as a child as well or really really ugly. Psh
I have been getting phone calls for about 2 years now from these people and they claim I owe them money. When they called me the address they had on file I only lived at for a period of one month and I only visited the doctor once during that time period, and the doctor's office says I owe nothing. They sent me a statement in the mail and it is insisting that I still owe them money. However I know that I never had any medical tests done on that date. On top of this, they don't even have my name correct on the bill. I think is a SCAM and I don't plan on paying.
One thing wrong Sue.
I ALWAYS get far better (and faster) results when I make Federal Telephone Harassment Complaints.
According to the Supreme court; once 'notified' that you do not wish to be called, a single phone call CAN be considered harassment.
Debt or No debt they got no right to HARASS PEOPLE!
Progressive
I had an outstanding debt listed on my credit with Progressive Insurance. I have contacted progressive and CCS who claimed it on my credit report.
I had insurance with GIECO at the time period Progressive is claiming. I have sent in the documentation several times to no avail.
I went ahead and paid it to progressive directly, yet CCS has it listed on my credit. It was agreed when it was paid that it would be removed. That has not happened to this date. They did update it as paid in full, however with the recent update to my credit report it tanked my score 50 pts.
I did less damage being not paid. How do I get CCS who did not collect the funds to remove this from my credit report? Who is the right person to contact?
TM
Sue happy
My husband recieved a call from CCS on Wednesday morning, he was not home. I was asked where he was at 8:15 in the morning if he did not have a job. This person began getting rude with me and talking to me about an account that does not list my name or SSN. He told me since they could not get in touch with my husband they were going to sue me for the price of some credit card he has not done anything with from 8 years ago. Is that possible for them to sue me over something that does not list me at all?
Getting back money
I sent accidentally a payment meant for credit card to C.C.S and they had the audacity to cashed it, how do I go about getting the money back?
Jane, Hello and welcome to the forum. You could call and inform C.C.S. of this error and explain that this money was meant for paying a credit card debt. You may not get it back if they are not willling to send it to you. What they may do is credit it towards your account. Is your payment current to CCS? If so they may be willling but if not they will ten definatly credit to your account. I would just try calling. You won't know until you do. Good Luck
You may be able to put a stop payment on the check, call your bank immediately and go in and sign a stop payment. They will do it if you do it with in a certain timeframe.
Yes this is a good option but just remember it does cost a small amount to place a s top payment on a check. The last time I checked it was like $29. So depending on the amount of the payment you sen to the wrong place it may or may not even be worth your while.
I have had to do that and my bank has been very cooperative when I did do it. You can give it a shot. You will have to go to the bank and fill out forms.
Some banks will work with you but I have not seen a lot waive the fee. They act like it is a must. I changed internet companies recently and my old one was set up to automatically debit every month. I called to see what I had to do to be sure they would not continue to pull the money out and the bank said my best option was to call the company and request that they no longer bill or if the bank had to do if there would be a fee.
OF COURSE THEY HAVE A FAX MACHINE BUT DO YOU THINK IT WOULD HELP ANYONE IF THOUSANDS OF DOCS WERE FLOODED INTO IT EVERY MOMENT . OR IF IT WAS NOT LEGIBLE BECAUSE OF INK ? USE YOUR MINDS - CHANCES OF YOUR DOCS GETTING TO WHERE THEY NEED TO GO ARE BETTER IF YOU SEND TO THE DOCUMENTED DISPUTE ADDRESS - WHICH I WOULD IMAGE IS WHY THEY HAVE MULTIPLE PO BOXES IN MA. MAYBE EACH PO BOX IS FOR A SPECIFIC TYPE OF DISPUTE OR DEPARTMENT - ALSO TRY CANCELING YOUR INSURANCE POLICIES THE CORRECT WAY - MOST INSURANCE COMPANIES SEND OUT DOCS WITH FINE PRINT STATING TO CANCEL IN WRITING IF YOU WANT THEM TO CANCEL YOU AT A SPECIFIC TIME.........AS FAR AS IT GOES JANE WITH THE ACCIDENT TRY DRIVING WITH INSURANCE - THEN YOU WONT HAVE TO LEARN THE HARD WAY - AND INSURANCE CLAIMS HAVE A STATUTE DATE THEY CAN TAKE YEARS TO CLOSE - SO THE INSURANCE COMPANY CANT BILL YOU UNTIL THEY KNOW THE AMOUNT- AND ONE REASON IT TAKES SO LONG IS BECAUSE THE INSURANCE COMPANY PROBABLY DOESN'T WANT TO PAY IN THE 1ST PLACE SO THEY ARE MOST LIKELY TRYING TO FIND A WAY AROUND IT BEFORE THEY CUT THE CHECK
Hello dirty, I am trying to figure out what tone you are exactly trying to use here. I hope it is a pleasant one. You are right about places having multiple numbers but that alone at times can be difficult for the consumer to get the right one. I think that when a company has a lot of numbers they should all be interlinked or there needs to be a system set in place where if you are calling for a payment press one..then they give you the number to call. Sure would make a persons world a lot easier.
CCS COLLECTION SERVICES
I CANT TELL YOU HOW SCHOCKED I AM TO HAVE STUMBLED UPON THIS WEB SITE AND READ THE THINGS I HAVE ABOUT CCS! I TO HAVE BEEN CONTACTED BY THESE PEOPLE AND THEY SCREAM AT ME, DEGRADE ME, CUS AT ME AS WELL AS THREATEN ME DAILY! THEY CLAIM TO BE CALLING ON BEHALF OF AES BUT I AM STILL ENROLLED IN SCHOOL FULL TIME AND MY SEPERATION DATE ISNT UNTIL 2010! I WOULD APPRECIATE IT IF SOME ONE COULD TELL ME WHERE ELSE I CAN GO BESIDE THE MEDIA TO ALLOW THEM TO HEAR THE ABUSIVE PHONE CALLS I RECIEVED FROM THESE LOW LIFES?
ccs
well as an employee of ccs i wanted to let you know the diff po box numbers are for different departments within the company. second of all i myself know that this is a legit company because i do recieve the paycheck every 2 weeks . the amount placed in collections is the amount that our clients place in collections for we do not add interest or buy the debt. the reason why the amount for progressive had change dis maybe because they gave you an adjustment we ask for the info to help dispute your debt and yes we do need to follow up with our client to check billing records to see if you deserve an adjusment. and as far as getting our employees to admit we just work here unlikely. we do not have an office in mass or out of the country. mass,nh,and maine thats it..any questions?
sucky
ccs has taken a bill from dirty commonwealth edison on a property I bought outside of chicago, the property still has no meter on it, yet I got a collection notice, no bill from dirtbag commonwealth edison.
no shock here as they pulled this on me about 15 years ago with a property I rented in DT chicago, again sending a small bill to collections when the forwarded mail was returned. These guys are so DISGUSTING and allowed to ruin people's credit? HATE CHICAGO DIRTBAGS...
chicago sucks
I have moved to sunny california and am happy to leave my money grubbing hateful family behind along with chicago corruption, the whole state is ruined by absoulte sleezy cops, politicians and businesses...
watch out it will be another detroit soon with the scummy ________ running the city and suburbs into the ground...
AGREE
CHICAGO IS SOOOOO CORRUPT HATEFUL AND EVIL...
THE COPS TRIED TO RUN ME OVER IN STREETERVILLE ONE NIGHT, THEY LAUGHED AS THEY WHIPPED BY ME AS I RACED ACROSS THE STREET. ANOTHER TIME I ASKE A COP IF MY CAR WAS SAFE WHERE IT WAS PARKED, HE SAID IT WAS FINE, 20 MINUTES LATER IT WAS TOWED WITH A $300 FINE.... PROMISE THAT TOWN IS SOOOO EVIL.
CCS on my credit report
I pulled my credit report this past week and they said I have an outstanding balance with progressive insurance since 2004. I have pulled my credit report twice before and this never appeared. I don't understand why now it say I owe Progressive Insurance $186 dollars. This has stopped me from renting an apartment. What is the solution?
CCS on my credit report
I pulled my credit report this past week and they said I have an outstanding balance with progressive insurance since 2004. I have pulled my credit report twice before and this never appeared. I don't understand why now it say I owe Progressive Insurance $186 dollars. This has stopped me from renting an apartment. What is the solution?
You can file a dispute on the debt if you believe that it is not yours, seems odd that it would not be there for so long and then just show up.
I would file a dispute first and see if they will remove it, and if they don't then contact progressive and see why they waited so long to report it.
I had Progressive insurance before and hated them. They do not like to keep good records. My hubby has nearly the same name as his father and they had Progressive at the same time. Thing is we paid for our coverage and they always let theirs lapse. I switched after repeatedly having my payment credited to their account. I wouls call and they would swear to clear it upthat day and sometimes it took longer. Once they kept this up we went elsewhere. Dispute it and never consider Progressive.
CCS & CT CORP
CT CORP IS DENYING ANY CURRENT RELATIONSHIP WITH CCS AT THIS TIME.
All that you have described is totally uncalled for and it is against the law. Many of these companies hire low life thugs to work for minimum wage because they can not get anything else.
You need to educate your self on what the collection laws are so you can let them know the next time that you are not tolerating their abuse.
ALLEGED PAST DUE BILL/REGARDING WARNING NOTICE STILLL RECEIV
REGARDING WARNING LETTER STILL RECEIVING FROM CCS/ALLSTATE INSURANCE. THIS BILL IS IN ERROR AND ALLSTATE HAS BEEN MADE AWARE OF MISTAKE AT CORPORATE LEVEL. EX: STATEMENT FROM ALLSTATE AGENT(ADAM) THAT WE PAYED MONTHLY AND DID NOT MISS A PAYMENT/WE WERE CURRENT ACCORDING TO OUR CHECKING ACCT/ALSO LETTER STATING THE SAME INFORMATION WAS MAILED TO OUR CURRENT INSURANCE COMPANY. ALL OF THE PARTIES AGREED THAST THEIR WAS A MISAPPROPRIATION OF THE PAYMENTS THAT WE PROVIDED TO ALLSTATE, THAT BEING THE REASON WE LEFT ALLSTATE AND WENT TO ANOTHER INSURANCE COMPANY. WE HAVE SPOKEN TO CORPORATE ALLSTATE AND THERE WAS A DIFFERENCE IN WHAT THEY RECEIVED AND WAS WHAT WAS PAID INTO LOCAL AGENT. THE INVESTIGATION INTO THAT MISAPPROPRIATION IS NOT OUR CONERN,HOWEVER; THESE HARRASSING AND THREATENING LETTERS ARE. WE ARE ASKING THAT THEY CEASE AND DEASIST IMMEDIATELY. RONALD AND KARI THOMPSON
CC:ATTORNEY ALLSTATE
credit collection practices
If this is a collection agency then they are covered by the Fair Debt Collections Practices Act.Read this act for addle info.If you think they're violation of this act you may complain to The Attorney General Office.If your not sure complain anyway.
they meet ther faith today
been dealing with ssc for mounths now about a 47 dollare debt .. to all read up on ur laws & codes wen dealing with debt collection & know what they must need & all the info they must supply u with before contacting them ,stand ur ground ,throw laws & code and ask them to supply you with all records & info & be sure that ccs took that debt from the compay they say,with records .ssc the company & the so calld people work 4 them are scum & should be ashamed of them self 4 working with a company like that.. shady shady ,4 mouth off & on with ssc & today i stuck it too them hard ,calld the non stop like they do ,record all calls & made them aware of it ,to use in court. all i can say is know ur laws & ur rights & codes .. be streight foward & to the point with ssc & tell them how it going to work ..ask 4 all records & poof ssc took on that debt witch u own .. awaits all record from ssc ask for & waiting now ,all never receive them already know.. its ok the'll receive a notice from the court say to appear in court with all records ... use ur rights & laws........take a stand ...
use ur rights & laws & code on ccs
ccs is all about the money & getting it ..by any whitch means they can.all they ask are u going pay the debt in full.. they will not work with u. one bit.. u ask 4 a manger & more scum ask 4 record's & break down reports & notice of them taking on that debt from the company i owed money too,by law it must be presented . all records & ur tems of agreement must be sent to u From ur owed debt& the company u owe the debt too.. follow the laws & ur right & fight back against company & people like them ccs scum's
Helpful
Thank you for posting that! Its was VERY helpful! I just needed a number to find out what my balance was. I had been sending checks out to that first address and did not know the number. So it was extremely helpful! :)
CCS USA INC. Credit Control Services Inc.
With the slowing of the real estate market, attorneys are moving more into the area of debt collection
. Sometimes, larger debt purchasers-- such as CCS (USA) Inc.-- will farm out such debts to attorneys of various states for collection. Their motis operandi is to use the courts of each state to sue potential debtors and acquire defaults. However, CCS (USA) Inc. a/k/s Credit Control Services, Inc. a/k/a Credit Collection Services has been successfully sued under the Fair Debt Collection Practices Act. See, United States District Court, D. Massachusetts. Pierre MARTIN and Kevin L. Nelson, on behalf of themselves and all others similarly situated, Plaintiffs,v.Gerald SANDS; Credit Control Services, Inc., d/b/a/ Credit Collection Services; Daniel W. Goldstone; and Goldstone & Sudalter, P.C., Defendants. No. 98-10281-JLT.July 29, 1999.
In that case, CCS (USA) Inc. send out letters to alleged debtors stating that a certain law office was working on their case, when in fact, an existing backlog of cases showed that the law office was not working on a particular case. It was in violation of the Fair Debt Collection Practices Act.
Now it seems, they have allegedly dispensed with collection letters indicating that attorneys are working on a case (when they were not), and now directly farm out to attorneys in some way, shape or form. Attorneys then allegedly associate the "original" creditor name with a legal action, rather than make any mention of the CCS connection. This shields the Delaware corporation from suit, while allowing the Delaware corporation to "USE" the state courts of this country to their advantage against what they refer to as a "TARGET." This "TARGET" is the consumer.
Easiest Way to Stop Collectors
IF YOU CAN'T PAY FOR IT, DON'T BUY IT!! SIMPLE AS THAT.
ccs
I received a letter from credit collection services stating that adverse credit reporting information is scheduled to be reported to a credit bureau. It further states, to avoid credit reporting your immediate attention is required and then it say remit payment in full in the envelope provided OR visit our website and establish payment arrangements with this office. Well I visited their website established payment arrangements and made all my payments on time. They still put me in the credit bureau as a collections account. I called them I read them back the letter they sent me and they told me it did not matter they have the option of putting me in the credit bureau if they wanted after I had already done what they asked for. I also contacted progressive insurance to see if they could help me get this off of my report but they just wanted me to get insurance with them again. So now Im screwed cuz I watch my credit and this really dropped me. My fault in the first place for missing a payment, but when I tried to resolve it with ccs and payed them under the assumption that it would not go on my credit report they turn around and screwed me. If you look on the MA better business bureau sight they have the most complaints (276) out of any other collection company their size
CCS concern
They called my parents' house for a lob bill that I owe in the amount of $45.00. I called them, told them I'd send a money order and the guy on the other end of the line at CCS tells me to get a moneygram, and have it wire transferred. i went to Wal-Mart to ge the money order only to learn that a domestic money transfer costs $11.00. I just got a regualr money order and will pay through the mail.
We got our refund last month and my husband said we already paid that one off. Anyone else already paid a debt and had them saying it's still unpaid?
Yes that has happened to me, I have always had the reciepts to cover my butt on it and will always ask for a paid in full from the company. You can also write paid in full in the memo of the money gram or some statement to that affect.
I too had this happen but it was through a tax bureau. I got a letter stating I did not pay a certain years personal tax and went ahead and paid it plus the huge penalty thinking I could have very well missed paying it. Two weeks later I got another one for the following year. Knowing there was no possible way I missed to consecutive years I went to my tax collector. The one I already paid was paid by me on time. The new one that came in was not, I missed that one. They would not apply the money I had already sent to the following year and was not required to refund it. I ended up having to pay for both years.
phone call over a debt
I received a call saying I owe a debt on something and I tried to get in touch with someone and can't get any contact
validate debt
Hi Cheryl,
Pull a copy of your credit report and check if there is any collection agency listed against any of your accounts on your credit report. If you see any new collection agency, you can send them a debt validation letter through certified mail, requesting a return receipt. You will get a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .
Thanks,
Aaron
Where does debt go after 10 years
What happens to credit card debt once it has been 10 years? Does it still stay on your credit report? What it you just never pay it or forget about it?
Just pay it or stop [word removed as per forum rules and regulations] about it or change your phone # or just ignore it I mean god if it's an 800 # isn't it obvious enough it's a telemarketer or a collection agency how dumb can you be it's not wonder you all have trouble keeping track of your bills.
debt on report
Hi LILJILL,
If you don't pay your debt, the delinquencies are being listed on your credit report. This can stay on your report for 7 years, and hurt your credit.
Thanks,
Aaron
I pay my bills as well
To I pay my bills~~ I didn't buy it
Comcast claimed they did not suspend my service when asked ( we leave for the Winter) they admitted it but had sent the bill for a box that was shut off to CCS
I have taken up many many many hours too resolve the issue and now Comcast and CCS are going to Small claims.
CCS lies and breaks Ma Law.
It's not about the money I have it.
I am sick of the harrassment and suggestions that I just pay for something I don't owe.
So you're right "if you can't pay for it don't buy it"
but don't pay if you don't owe.
debt validation
Hi Karen,
If you are unsure about the debt, you can send debt validation letter to the collection agency. This will also stop them from filing a lawsuit against you. You can use the sample debt validation letter available with this site to write one of your own. Send the letter through certified mail, requesting a return receipt.
Thanks,
Aaron
In August of 2005, I was 17 years old and involved in a "fender bender" with another driver. I was at fault but I did not have insurance. I've been paying the insurance company since November of 2007. Recently, I missed a payment and called in and now they are demanding I pay 10% or they can't establish another payment plan and my license may be suspended. I'm almost 22 now and very scared. I don't have the money and I need my car to drive to work.
As far as the accident went, I owed $8,548.51. I've been able to bring it down to $7,000 but it is such a burden. I can't even recall if I ever received ANY proof as far as injuries went, and as far as I know the damage to her car was not that bad. How do I find all this out? I've seen a lot of negative information about CCS (Credit Collection Services) online and I'm worried. How can I get all of this information to make sure I wasn't screwed over??
I know it was a bad mistake and I regret it. My parents did what they could but I was young and unable to pursue things myself. I'd just like to know that, if after a few years, I can still do anything about this??
Quick note - I live in California. Any advice would help. I'd just like to validate this claim and see WHY it is so expensive, because I'm not so sure we ever really did.
reply
Hi Kira,
I really feel bad for what you are going through. However, you won't be able to validate this debt, as this has still not been handed over to a collection agency. It is still with the insurance company (considered to be the original creditor to whom you owe). You can try debt validation with original creditor.
As for the payments, you can first make a copy of your monthly income and expenditure. Write a hardship letter to the insurance company, and attach a copy of the monthly income and expenditure.
As for the information, weren't you taken to court because of this accident? The judgment itself is supposed to provide you with all the informations on the debt.
Hope this helps.
Regards,
Aaron
Oops. I forgot to mention that it is being handled by CCS, not the insurance company (Farmers). It has always been CCS that has handled it (since the first payment in 2007) but from what I've been reading I would have had to have the debt validated within 30 days of the initial notice or they don't have to respond to it.
And no, I was never taken to court. I'm not sure why. I never even really received much documentation from anyone other than a notification letter from CCS that I owed 8 grand, and because I didn't have insurance I figured I was at fault regardless and started making payments.
reply
Hi,
Then you should have sent them a debt validation letter then. Under the rules of FDCPA, the collection agency is supposed to answer to the debtors debt validation. However the original creditor is not supposed to validate the debt. FDCPA does not mention that the collection agency is supposed to send the answer to your validation request within 30 days. However, the debtor is supposed to send the debt validation letter within 30 days of the first attempt of collection.
Thanks,
Aaron