Moriarty Law Debt Recovery - We Can Help
Quick Search
What's on this page?
Are you struggling with debt?
There are always solutions, no matter what your situation.
Who are Moriarty Law Debt Recovery?
Moriarty Law is a UK debt collection law firm that specialises in recovering unpaid consumer debts for lenders, credit providers, and debt purchasers. They’re a solicitors’ practice, not a standard debt collection agency, which means they can manage both the early collection stage and the legal process if a debt progresses to court.
Most people hear from Moriarty Law after a creditor has been unable to collect a balance for some time. They’re known for sending pre-action letters, repayment requests, and in some cases issuing County Court claims when an account remains unresolved.
How to contact Moriarty Law Debt Recovery
Moriarty Law telephone number:
Website:
https://moriartylaw.co.uk/
Postal address:
House, 2, 4 Oyster Ln, Byfleet, Cobb KT14 7DU
Can you help me deal with Moriarty Law Debt Recovery?
Yes. If you’re struggling with Moriarty Law, we can guide you through the process so you don’t feel pushed into decisions or payment plans you can’t manage.
We’ll help you understand why they’ve contacted you, what they can legally do, and what your realistic options look like based on your budget. Many people feel pressured when a solicitor firm gets involved, but you’re still in control of how you respond. Our advisors can help you to explore debt solutions depending on your eligibility.
Are Moriarty Law legitimate?
Yes. Moriarty Law is a genuine UK law firm that specialises in debt recovery. They are authorised and regulated by the Solicitors Regulation Authority (SRA), and their company and regulatory details appear on their official website. That confirms they operate as a legitimate legal practice rather than a typical debt collection agency.
Even though the firm is legitimate, you’re still entitled to check that the information they hold about you is accurate. You can ask them to confirm who the debt belongs to, the date of the last payment, and how the balance has been calculated. If something feels unclear or doesn’t match your records, you can challenge it before agreeing to anything.
Who Does Moriarty Law Collect Debt For?
Moriarty Law works on behalf of lenders, credit providers, and debt purchasers who pass accounts to them when payments have fallen behind. They’re commonly instructed on consumer credit debts such as loans, credit cards, catalogue accounts, mobile contracts, and other unsecured borrowing.
They also act for debt-purchasing companies that buy overdue accounts from original lenders. If your balance has been sold on, the new owner may use Moriarty Law to manage contact, set up repayment plans, or issue legal action if things remain unresolved.
You may see names like Intrum, Lantern, or various high-street lenders listed on their letters. The creditor they’re acting for should always be shown clearly on any correspondence you receive, along with a reference number and the outstanding balance.
How will Moriarty Law Debt Recovery contact me?
Moriarty Law usually contacts people by post, email, or text message. Most accounts begin with a written letter explaining who they are, the creditor they’re acting for, and the balance they believe is owed. This first letter normally includes a reference number and a request for you to respond within a set timeframe.
After that, they may follow up with additional emails or texts to prompt you to get in touch. Some people also receive phone calls, although written communication is more common because it forms part of their pre-action process if the debt is likely to progress. Remember, if anything looks unusual or doesn’t include proper identification, you’re allowed to question it before replying.
What should I do if Moriarty Law Debt Recovery contacts me?
Start by reading the correspondence carefully so you understand who they’re acting for, the reference number, and the balance they believe is outstanding. Keep the letter somewhere safe because you’ll need those details when you respond.
Next, check that the debt makes sense. Look at the creditor name, the amount, and whether the account matches anything in your records. If anything feels unfamiliar, you can ask them to confirm the information before discussing payments.
Why are Moriarty Law Debt Recovery contacting me?
Moriarty Law usually gets in touch when a creditor has been unable to collect a balance for some time. The lender may have passed the account to them for legal recovery, or the debt may have been sold to a company that uses Moriarty Law to manage the next stage of the process. Their job is to contact you, confirm the details of the debt, and try to agree on a way forward.
Most people hear from them about unpaid consumer credit accounts such as loans, credit cards, catalogue balances, or mobile contract arrears. Once they take over, they will write to you with the reference number, the creditor they’re acting for, and the amount they believe is outstanding.
You might also be contacted because they’re preparing to follow the pre-action protocol, which is the formal process creditors must follow before starting court action. That doesn’t mean a claim has been issued; it simply means they want you to respond so the account can be reviewed and a plan considered.
If the contact feels unexpected or doesn’t match your records, you’re entitled to ask them to confirm the details before you decide what to do next.
The important thing to remember with ourselves is we are on your side. We will take you through a process known as an income & expenditure to understand fully your financial situation and then we will talk to you about which options are available to you to take care of your debts.
How to deal with Moriarty Law Debt Recovery
Take a moment to read their correspondence closely so you know which creditor they’re acting for, how much they believe is owed, and the reference number attached to the account.
Check the details against your own records. Look at the balance, the dates, and the creditor name. If anything doesn’t match what you expected, you’re entitled to ask them to confirm the information before talking about payments. Clarifying the basics helps you avoid agreeing to something that isn’t correct.
If the debt is yours but the amount they want isn’t affordable, explain your circumstances and outline what you realistically can manage. Engaging in this way shows you’re willing to resolve the account, and it reduces the risk of the process moving toward legal action simply because you didn’t respond. We can help you look into possible debt solutions to help you regain financial control – a DMP, IVA, or DRO, could be the right course of action.
Can Moriarty Law Debt Recovery take me to court?
Yes. Moriarty Law is a solicitors’ firm, so they can issue a County Court claim if a creditor instructs them to do so and the account remains unresolved. Their letters often form part of the pre-action protocol, which is the formal stage creditors must follow before a claim is issued. That doesn’t mean court action is guaranteed, but it does mean you should respond so your side of the situation is recorded.
A claim is more likely when there has been no reply to their letters, or when the creditor believes there’s a strong chance of recovering the balance through the courts. If a claim is issued and no defence or response is filed, a County Court Judgment can be entered, which makes the debt legally enforceable.
Court action is usually avoidable when you engage early, check that the debt is correct, and explain what you can realistically afford.
Will Moriarty Law Debt Recovery impact my credit score?
Their involvement on its own doesn’t appear on your credit file, but the debt they’re collecting may already be affecting your score if payments have been missed. What matters most is whether the account has defaulted or whether court action takes place.
A default usually appears on your credit report when the original lender decides the account is no longer being repaid as agreed. That marker stays in place for six years, even if the debt is later passed to Moriarty Law or sold to a debt purchaser.
Your score is affected more seriously if a County Court Judgment is issued and not responded to. A Judgment remains visible on your credit file for six years in most cases, and lenders take it as a sign that previous debts weren’t kept under control.
Responding to Moriarty Law, checking the balance, and discussing an affordable plan can help prevent the situation from reaching that stage.
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.