EE Debt Collection: Check the Bill and Your Options

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. 

EE may instruct a collector or transfer an account. Ask which company owns the debt and whether the sender is acting for EE; a collection letter does not establish that the account was sold.

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. 

A Companies House registration can help identify a business, but it does not prove that a particular phone call, letter or payment link is genuine. Confirm the account with EE through independently obtained official details.

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.

FCA authorisation relates to specified activities, such as consumer credit. Ordinary mobile-service billing complaints have a different ombudsman route from regulated device-finance complaints.

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Do I owe the money they say I owe?

Mistakes and disputed charges are possible. Do not assume a demand is correct because it comes from a collection agency; check the account, dates and itemised charges.

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.

If you dispute the debt, explain why and ask for an itemised balance and evidence that you are liable. For recovery covered by FCA consumer-credit rules, a valid or potentially valid dispute must be investigated and recovery paused. A generic proof request does not cancel a debt, override an existing court order or extend a court deadline.

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. 

An entitled creditor may bring a court claim. For an ordinary civil debt in England and Wales, bailiff enforcement normally requires a judgment and a further enforcement application. A collector cannot send bailiffs with seizure powers before that process merely because you have not paid.

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