Complaints Against Close Credit Management aka CCM Debt Collectors
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What To Do If You Get A Nasty Letter or Phone Call From:
Close Credit Management AKA CCM Debt Collectors
Close Credit Management (also known as CCM Debt Collectors) is a debt collecting company in the site of DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collections, but there is some indication that some such companies (not necessarily Close Credit Management), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.
So the first thing you must do if Close Credit Management is bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.
There are several courses that are open to you, and some will suit your own situation better than others. You could use one of these, or even all of them if they are appropriate to your own circumstances.
But first of all, a warning: we DON'T recommend taking out a so-called 'consolidation loan', or at least think carefully if you are offered one. These are fine in some cases, and they look quite rosy in the short term, but they can easily get you in more difficulty than before; after all, this is more debt. Where would you be with this a few years down the line?
A more sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. There's more on this below.
For a longer term loan you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.
Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.
If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.
NOTE: If you have at least two accounts in debt, and total debts of £2,000 or more, enter your details below to see if you qualify. (But if you owe less than this, or are on state benefits, then use this link to apply instead.)
The CCM Debt Collectors website above is part of DPC Registry. Consumer Credit Licence number 633327.
Name: Close Credit Management
Also Known As: CCM Debt Collectors
Address: 2 Jessops Riverside, 800 Brightside Lane, Sheffield S9 2RX
Telephone: 0114 242 6628
Fax: 0114 256 1793
Email: [user]@closecm.co.uk
Website: www.closecreditmanagement.com
Extra Data: Seems to have styled themselves CCM Debt Collectors quite recently.
Get a free QuickCreditScore check by applying here.
Close Credit Management (CCM Debt Collectors) and the Truth About Your Debt
Assuming that you are having to deal with Close Credit Management (CCM Debt Collectors) then perhaps you may be reassured that a lot of the things that they are doing to harass you are questionable or are close to being so. The debt collecting agencies or DCAs appear under little or no obligation, it seems, to do anything about improving their conduct until they are ordered to do so by the Office of Fair Trading.
Remember to always insist on dealing with these debt purchasing companies in writing. Do not give them your phone number if at all possible. The problem is that during the first call they make they'll say they are calling from the bank and therefore make you feel more obliged to become complicit in what they say. Your uncertainty is important to them, so they wish to create as much confusion as possible: here is where Close Credit Management will have the best result for them. When they get hold of your personal details they will use this to pester you and even to scare you. You can use the law to prevent this but most people just don't know what to do and it is clear these debt collecting companies will use this to their own benefit. Bodies such as the Consumer Credit Counselling Service or the Citizen's Advice Bureau (CAB) give a good service although often they are stretched to capacity and there are times when their advice may be lacking in detail.
There are several excellent consumer finance forums on the internet where you're able to read all about the tactics and ruses involving Close Credit Management and the various methods that they use. Notice that some of these debt collection companies specialise in some kinds of activity while others choose different lines according to their strengths. The end result is always misery for a lot of people. The debt collecting agencies are sometimes members of trade organizations and prefer to think of themselves as respectable businessmen.
So ask Close Credit Management for a copy of the original contract when you took out your loan or credit card.
More Data On Close Credit Management
If you have any information that you would like honest people to know about Close Credit Management then send us an email in complete confidence and we will try to corroborate it with the clowns involved.
Please be aware that figures entered into the Close Credit Management (CCM Debt Collectors) site web form, above, need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and in relation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. You will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
This Close Credit Management (CCM Debt Collectors) website is part of DPC Registry website group. All rights reserved. Complaints Against Close Credit Management debt collectors.
