EE Debt Collection: Check the Bill and Your Options
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This information and enquiry service is not a full financial assessment or a guarantee of suitability or debt write-off. Debt solutions are not suitable for everyone. Fees may apply, and your credit record and assets may be affected. Get advice on your circumstances before choosing a solution.
MoneyNerd introduces enquiries to The Debt Advice Service and may receive a referral fee. For free, independent guidance and help finding a debt adviser, visit MoneyHelper.
This information and enquiry service is not a full financial assessment or a guarantee of suitability or debt write-off. Debt solutions are not suitable for everyone. Fees may apply, and your credit record and assets may be affected. Get advice on your circumstances before choosing a solution.
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.
» TAKE ACTION NOW: Fill out the short debt form
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.
Understand your debt options
MoneyNerd can introduce you to The Debt Advice Service for free debt advice. MoneyNerd does not provide debt advice or recommend debt solutions.
The Debt Advice Service can explain your options, including their benefits, costs and risks. Options available depend on your circumstances. There’s no obligation to take a debt solution.
MoneyNerd does not provide debt advice or recommend debt solutions. The Debt Advice Service is a trading style of Pacific Financial Solutions Limited. If you request an introduction, we’ll share your details with their team so they can contact you.
Some debt solutions have fees and may negatively affect your credit rating. MoneyNerd is a commercial introducer and may receive a fee if you go ahead with a debt solution through The Debt Advice Service.
For free, impartial money guidance and help finding free debt advice, visit MoneyHelper.
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.
| Debt collectors may | Limits and protections |
|---|---|
| Contact you to seek payment | For regulated consumer credit, contact must be at reasonable times and respect reasonable requests about when, where and how you are contacted. |
| Ask to discuss the debt at a home visit | A collector has no bailiff powers, cannot force entry or take goods, and should leave when asked. |
| Explain possible court action | They must not mislead you about their powers or threaten action they cannot lawfully take. |
| Discuss an affordable repayment or settlement | Get agreed terms in writing and obtain free advice if you dispute the debt or cannot afford payments. |
| A creditor may seek a separate court enforcement order | A CCJ alone does not give a collector access to your bank account. A third-party debt order requires a separate court process. |
| A creditor may assign a debt | Check who owns it and who is authorised to collect; do not disclose payment details to an unverified caller. |
| Make proportionate follow-up contact | Harassment is prohibited. Requests about contact must be considered; necessary legal notices may still be sent. |
EE Debt Collections Contact Details
| Website: | https://ee.co.uk/ |
| Telephone: | about Mobile +44 7953966250 about Broadband & Landline +44 2073620200 Mon to Fri 8am – 9pm Sat to Sun 8am – 8pm about Mobile Broadband +44 7953966250 |
| Opening hours: | Mon to Fri 8am – 9pm Sat to Sun 8am – 8pm |
| Deaf, hearing or speech impaired: | To contact us using the Relay UK service, dial 18001 in front of one of the following numbers: EE: 07953 966 250 Legacy brand: 07953 966 150 |
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.
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