Moorcroft Debt Recovery
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Who are Moorcroft Debt Recovery?
Moorcroft Debt Recovery are a debt collection company based in Stockport, England.
Moorcroft Debt Recovery provides consumer and commercial debt collection services. It is one of the UK’s largest collection agencies and deals with more than 1 million customers at any one time.
Their full company name is Moorcroft Debt Recovery LTD, Company registration number 01703704 and are registered in England and Wales. Registered office: Moorcroft House, No.2 Spring Gardens, Stockport, SK1 4AA
How to contact Moorcroft Debt Recovery?
Moorcroft Debt Recovery telephone number:
0330 123 9765
Website:
https://www.mdrl.co.uk/
Moorcroft Debt Recovery postal address:
Moorcroft House, 2 Spring Gardens, Stockport. SK1 4AA
Can you help me deal with Moorcroft Debt Recovery?
Yes. Here at PennyPlan we specialise in helping people dealing with their debt problems. We offer a holistic approach to debt solutions and will only ever discuss options that are relevant to you based on your own financial circumstances.
We have helped many customers deal with debt collectors, including Moorcroft Debt Recovery. We guide our clients on their journey to get them the desired resolution, with some even writing off a percentage of the debt they owe.
Are Moorcroft Debt Recovery legitimate?
“Are Moorcroft Debt Recovery legit?” is a question we’re often asked. The answer is yes, they are legit. They are authorised and regulated by the FCA (Financial Conduct Authority).
This means they must abide by all laws set out to credit providers in the UK. These rules establish the minimum standards that companies Moorcroft Debt Recovery must meet to be considered trustworthy debt collectors.
Who do Moorcroft Debt Recovery collect debts for?
Moorcroft Debt Recovery are a debt collector who collect outstanding debts on behalf of retail, utilities and government in the UK.
It is likely you will have received correspondence from the original creditor before the debt is passed to Moorcroft. If you owe money to your council tax, have an outstanding utility bill or HMRC debt, you may receive contact from the company.
Why are Moorcroft Debt Recovery contacting me?
If you have been contacted by Moorcroft Debt Recovery this is because a client they represent is saying you owe them money. This can often be a confusing time as you might not be familiar with the company name.
Creditors often do not make it clear, or even sometimes they will not make you aware that they have passed the debt on to a company like Moorcroft Debt Recovery, so it can come as a bit of a shock or catch you off guard when they contact you.
If you are worried about dealing with Moorcroft Debt Recovery then let us help you with them. Click here now and we will get in touch with you straight away.
How will Moorcroft Debt Recovery get in touch with me?
Their contact will usually start with them sending you basic letters requesting you get in touch with them by phone to arrange payment, but this can quickly escalate into letters threatening to visit your home.
They will also try to contact you by phone and have numerous different telephone numbers. Some of the more common ones used when chasing debts are: 0161 475 2970, 0161 475 2827 & 0330 123 9765.
They will call repeatedly throughout the day on the hope of catching you when you are available to talk but generally, they will not leave a message if you do not answer.
What should I do if Moorcroft Debt Recovery are contacting me?
If Moorcroft Debt Recovery are contacting you, the first thing you should do is take impartial advice from a specialist in dealing with debt collectors like PennyPlan.
We will take you through a short telephone consultation to understand your situation from a neutral point of view, we can help you understand whether you are liable to pay the debt and help you understand what options you have to repay towards this debt, if you can afford it. Click the button below and we will call you straight away to help
How to deal with Moorcroft Debt Recovery
Don’t ignore the problem as it won’t go away. If a debt collector like Moorcroft is involved the issue needs dealing with. The first thing to understand, is that you do actually owe the money you are being chased for. It is up to Moorcroft to prove that this is the case.
This should be proven by them providing the original credit agreement with your signature on it. You can request this either over the phone if you do decide to take their call or if you would rather not speak to them you can also send this request off in writing to them.
It is very important when you communicate with them if you do so by post, you should type your name instead of signing it. This is so you do not provide them with a new copy of your signature, and they can only provide this if they do have an original credit agreement proving you owe the debt.
If you do not owe the debt, you should receive communication from Moorcoft to state they have dropped this claim against you and they will no longer be chasing you regarding this debt.
If you do genuinely owe the debt, then you should look at ways to pay it back and we can help you explore your options as there are a number of different ways to do so depending on eligibility. Click the button below and we will give you a call
Can Moorcroft Debt Recovery take me to court?
The short answer to this question is yes, any debt collector can take you to court if you owe them money but there are strict legal processes in place which they must follow before it would ever get to that stage.
Initially, they are required to send you a warning letter, typically in the form of a default notice, to inform you of their intention to take legal action. It is crucial to take prompt action upon receiving a default notice to prevent the situation from escalating. A default can harm your credit score.
Once a default notice has been issued, and only after that, a debt collection agency can serve you with a claim form. Subsequently, a County Court Judgment (CCJ) may be issued against you, which will remain on your credit report for a duration of seven years.
We would always recommend getting in touch with the debt collector before it gets to this stage to see if you can deal with things before they escalate any further. We can help you deal with this process and we can discuss which debt solutions can offer legal protection which will stop legal proceedings if they are not already too far gone.
The key part of this process is speaking with us as soon as possible to see what options you have. Click here now and we will give you a call to help you deal with this process.
Do HMRC use Moorcroft Debt Recovery?
Yes, HMRC use Moorcroft Debt Recovery to collect on a wide range of debts. These include VAT, Self-Assessment, Corporation Tax, National Insurance Class 2 & PAYE debt.
This is verifiable on HMRC’s website Gov.uk and can be confirmed on the following link for your peace of mind – https://www.gov.uk/guidance/what-will-happen-if-you-do-not-pay-your-tax-bill#hmrc-and-debt-collection-agencies
Does Moorcroft Debt Recovery affect credit score?
A lot of clients ask us the same question. If you are being contacted by Moorcroft Debt Recovery this is because you have not kept up with your agreed repayments. A single late or missed payment might impact your credit score in a negative manner.
Moorcroft Debt Recovery get involved when your account goes into default which is usually after 3-6 months of arrears.
Although the default on your credit file will drag your credit score down, all hope is not lost. There are a number of things you can do over time to try to offset the impact this has. If you would like to discuss your options and talk about how we can help with a debt solution click here now to arrange a call.
Still unsure or want to know more?
That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.
At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.
So, get in touch today and start living better with PennyPlan.
