EE Debt Collection – Do You Have to Pay?

If you’ve ever had a surprise letter from EE Debt Collectors, you may be wondering what to do next. Do you have to pay? Is it a real debt?

Don’t worry, you are not alone. Every month, over 170,000 people come to us for help with worries like these. 

In this guide, we’re going to help you understand:

•  Who are EE Debt Collectors, and are they real?
•  How to check if the debt they say you owe is true
•  What to do if you can’t afford to pay.
•  If you can ignore them or not.
•  How to deal with other debt collectors too.

Our team has dealt with debt collectors before, so we know what it’s like. Believe it or not, nearly half of individuals who deal with debt collection agencies have experienced harassment or aggression¹. We’re here to help you find a way through this. So, let’s get started and find out what to do about EE Debt Collectors.

Who are they?

EE often use a debt collection agency to reclaim the unpaid money you might owe. One of the companies that EE are reported to use in their debt collection is a company called Moorcroft Debt Recovery Limited. 

Debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1², so they’ll pursue your debt tirelessly to make a profit.

If you have received a letter regarding EE debt collection from Moorcroft Debt Recovery Limited, you may be confused. After all, you probably haven’t had any dealings with them before. There are a few steps we advise you take before dealing with them:

Are they a legitimate company?

As you may not recognise the company name, you may be wondering whether or not Moorcroft are a legitimate business. Many people are out there trying to scam you with threats of debts you don’t actually owe, so it’s good practice to be suspicious. 

The best way to find out if a business is legitimate is by checking the Companies House website. In the instance of the EE debt collection agency, Moorcroft Debt Recovery, they are indeed legitimate.

Moorcroft Debt Recovery has its own Companies House page, with the company number 01703704. Their registered office address is Moorcroft House, No.2 Spring Gardens, Stockport, SK1 4AA. This means that you should treat their letters seriously.

Another level of legitimacy can be found if whether they are regulated by the Financial Conduct Authority (FCA). Moorcroft Debt Recovery are both authorised and regulated by the FCA, and they also claim to adhere to the Credit Services Association code of practice.

» TAKE ACTION NOW: Fill out the short debt form

Do I owe the money they say I owe?

You may be wondering whether the debt that they claim you owe is for you in the first place. It’s rare that a debt collection company will contact you in error, so it’s unlikely EE debt collection would contact a debt collection agency without evidence of your debt. 

Nonetheless, it’s essential to double-check and cross-reference the amounts stated in the letters they send. Be sure to go through all the correspondence you might have received and compare the figures they quote in the letters that EE might have sent you.

I 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 also write them a ‘Prove the Debt’ letter, using a template that you can find on this link.

This letter asks Moorcroft Debt Recovery, working on behalf of EE debt collection, to prove, in writing, that you owe the money they say you owe.

Should I ignore them?

It may be tempting to ignore EE debt collection, and you may think that this will make them go away. Unfortunately, ignoring any letters and phone calls from EE debt collection will not make them go away. 

They will continue to send letters and call your home, and if you don’t reach out to them, they may escalate matters. They can arrange for bailiffs to visit your home, and they can take out a County Court Judgment (CCJ) which can lead to bankruptcy and a bad credit rating. So it’s best to be active and get in touch with EE debt collection as soon as you can.

Know Your Rights

When dealing with debt collectors, it’s critical that you know your rights and those of the people visiting you. Debt collectors are entitled to do certain things, but they don’t have the power to do others. Here’s a quick table summarizing debt collectors’ rights.

EE Debt Collections Contact Details

So that should cover all the information you might need if you have to deal with EE debt collection. In this section, we go through a few of the more common questions about debt collection agencies in general.

References

1. InDebted, Debt Collectors Survey
2. Jubilee Debt, A Fresh Start After Covid-19