Moorcroft Group PLC

Being contacted by a debt collection agency is worrying at the best of times, but if you’ve received multiple phone calls from a company you’ve never heard of, it can add to the stress.

With that in mind, we’ve made this creditor directory freely available to anyone who needs more information about the debt collection agencies that are contacting them.

This page includes information about Moorcroft Debt Recovery, including where they’re based, why they might be getting in touch with you, and some of the companies Moorcroft Debt Recovery represent.

Who are Moorcroft Debt Recovery?

Based in Stockport, England, Moorcroft Debt Recovery is an established debt collection agency that buys debt from other companies. They’re one of the largest debt collection agencies in the UK.

Moorcroft Debt Recovery collect debts on behalf of a range of businesses, predominantly in the financial sector, as well as certain phone, energy and finance companies.

They will pursue both individuals and businesses who are behind with their debt repayments.

Is Moorcroft Debt Recovery legitimate?

Yes, Moorcroft Debt Recovery is a legitimate debt collection company who collect debts from over 1,000,000 customers UK-wide.

Like many debt collection agencies, Moorcroft Debt Recovery Limited is regulated by the Financial Conduct Authority (FCA) and is a member of the Credit Services Association (CSA).

If you owe money to Moorcroft Debt Recovery, their debt recovery practices should always follow both the FCA and CSA guidelines. They also offer customers the support of the Financial Ombudsman Service as part of their customer complaints procedure.

Why am I being contacted by a debt collection agency like Moorcroft?

If you’ve been contacted by Moorcroft, it’s likely to be in relation to an outstanding debt due to one of your creditors.

There are several ways Moorcroft may contact you. The most likely is that you’ll receive a letter or a phone call first notifying you of the debt in question, how much is due, and when you’re expected to pay it by.

It’s understandable to feel uncomfortable if you have any form of contact from a debt collection agency, but to avoid your finances deteriorating, it’s very important to contact the agency and discuss the issue.

By working with them, you can prevent them taking more serious action against you.

What companies use Moorcroft Debt Recovery?

Moorcroft represent a range of public and private companies, including energy companies, mobile phone networks and HMRC. Here are just a few of the types of debt they may be contacting you about:

• An unpaid self-assessment tax bill and other HMRC debts.
• Tax credit overpayments.
• Mobile phone bill arrears.
• Home energy bill arrears.
• Credit card debt or underpayments.

Can Moorcroft Debt Recovery take me to court?

However, they cannot threaten you with further legal action or start court proceedings in order to pressurise you into paying more than you can afford.

According to FCA guidance, they must also have explored other options for clearing your debt with you first, so you shouldn’t be threatened with court action straight away.

What action can Moorcroft Debt Recovery take against me?

Here are some of the things a debt collection agency like Moorcroft can do.

• Post letters to you, call or make visits to your property.
• Add more fees or interest to the outstanding balance of your existing debt.
• Take action that has a negative impact on your credit file, for example by getting a county court judgement (CCJ) against you (A County Court Judgement is a court order that will force you to repay what you owe and will be listed on your credit file for six years)
• Make a statutory demand, which is the first step towards making someone bankrupt.

Although debt collection agencies can contact you and visit your home to follow up on unpaid debts, they can’t harass or intimidate you. They’re still subject to the law and regulated by the Financial Conduct Authority.

If you do feel that they’ve mistreated you, it’s best to complain directly to them. You can do this via the contact information at the end of this article.

I don’t think I owe Moorcroft Debt Recovery any money

If you don’t understand why you’re being contacted by a debt collection agency, you should aim to find out. Never ignore the company, even if you’re not planning to pay Moorcroft – they won’t just go away on their own.

There are reasons it might not be immediately clear what they’re contacting you about. For example, they could be contacting you about an old debt that’s been passed to them by another debt collection agency, or they could have bought the debt from another business.

Whatever the cause, if there’s any chance there’s a valid reason for Moorcroft making contact, get in touch with them to find out what it’s in relation to.

And if it turns out that you do owe money to one of their creditors, you should work with them to reach an affordable arrangement that works for everyone involved.

What should I do if debt collection agencies like Moorcroft contact me?

No matter if it’s the Moorcroft Group or another debt collection agency, it’s important to deal with the issue. We’re here to offer advice, support and a way out of debt if you’re struggling.

We can help you assess how badly you’re in debt and find out if you owe the money to your creditors.

If you have a viable case to challenge the debt, we can help you do this. Or, if the debt is legitimate, we can help you find a solution to help you get your finances back in shape.

We can calculate what you can afford to pay against your debts, offer solutions that will stop your creditors from contacting you and help you escape the cycle of debt.

To start dealing with your debt, just click the ‘Find out if I qualify’ button or start a chat by clicking the bubble in the bottom-right of your screen.

How do I contact Moorcroft Debt Recovery?

Moorcroft Debt Recovery also go by the company names of the Moorcroft Group, 1st Credit Limited, and 1st Credit Debt Collectors.

Registered office address

Moorcroft Debt Recovery Limited

PO Box 17
2 Spring Gardens, Stockport, SK1 4AA

Moorcroft Debt Recovery contact details

Phone numbers: 0161 475 2889 and 0161 475 2827

Website: www.mdrl.co.uk

Email: [email protected]

Where can I get free debt advice to help me deal with unsecured debts?

If you owe money in unsecured debts that you’re not able to repay, and you’re worried about a debt collector like Moorcroft Debt Recovery coming to your home, we can offer debt help.

At Creditfix, we’re specialists in the Individual Voluntary Arrangement (IVA), a debt solution that can help you turn all your debts into one affordable monthly repayment, write off your remaining debt, and protect you from debt collectors.

For more information on how an IVA can protect you from the Moorcroft Group or any other debt collection agency, get in touch with one of our debt specialists today on 0800 0431 431.