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01619687065 – Who Called? Stop Moorcroft Debt

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 27th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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01619687065 calling

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Have you received a call from 01619687065? It might confuse you, especially if you don’t know where the debt has come from.

Don’t worry; you’ve come to the right place. Each month, over 170,000 people visit our site for help with debt problems.

In this article, we’ll explain:

  • Who 01619687065 is and why they might be calling you.
  •  How to handle calls from Moorcroft Debt Collectors.
  • If you need to pay the debt right away.
  • Ways to deal with an unaffordable debt.
  • What could happen if you choose to ignore the calls.

Research shows 64% of UK adults find interactions with current debt collectors stressful1, so you’re not alone. We understand how you feel and we’re here to guide you through your options.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why Are You being called by 01619687065?

Moorcroft could call you from many different numbers. They are likely to be calling for the following reasons:

  1. To collect payment – Often Moorcroft will purchase debt from creditors in bulk and at a low price. Debt collectors often buy billions of debt annually at rock bottom prices – at an average of 10p to £1! 2. For them to make the most profit from buying your debt, they need to get the debt settled early.

    In order to do this, they will call you from 01619687065 almost immediately after you have received notice and request that you pay the debt in full over the phone.

    In an ideal world for them, you pay the debt straight away and if not, you set up a monthly direct debit so that for Lowell, the account is dealt with at very little cost to them.

  2. To gather more information – if you cannot pay Moorcroft or you refuse to arrange some form of payment with them then they are likely to request more information from you.

    This requires them to do a little more digging to recover the debt such as asking to see your monthly income and expenses but also to get a better understanding of your situation so they can plan how to get paid.

    Debt collectors hold the stereotype of being aggressive and brutal, and although there are laws preventing this, they are still likely to do their best to collect the debt.

    To do this, they may say they’ll take court action and keep calling you from 01619687065 or writing letters until you pay up. The important thing to do is to stay calm and not collapse under the pressure.

Typical Debt Collection Process

As mentioned above, Moorcroft usually calls if you’ve missed a payment. This is completely normal, as it’s part of the initial stage of the debt collection process.

Here’s a quick table that will help you better understand the debt collector timeline. For more information and further advice, don’t forget to read our detailed guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Remember, if you’ve missed a payment, you should contact the debt collector and offer to pay what you can. This is one of the easiest ways to stop Moorcroft from calling.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Should you ignore 01619687065?

Long story short, no.

We always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it or they can’t charge you.

You can watch this video to learn what the law allows and what you can do to avoid exploitation by these debt collectors: 

» TAKE ACTION NOW: Fill out the short debt form

How to cope with Moorcroft Debt Collectors? 

We’ve written an in-depth guide about how to respond when Moorcroft contact you and ways that you deal with them in the article linked below:

Moorcroft Debt Collectors – How to Stop Them

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
  2. Jubilee Debt Campaign
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.