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EE Debt Collection – Do You Have to Pay?

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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
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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 7th, 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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EE Debt Collection

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.

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.

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.

EE Debt Collection – 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.

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 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.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

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

FAQs

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.

Can they visit my property?
Yes. This may only happen in rare cases, however, and it doesn’t happen very often, but they may well send a representative to your home. They do not have the power to come inside, though, unless you invite them.
Should I pay them?
If you have the funds in full, and you are certain that the debt is yours, then you should pay them as soon as you can. This will stop all the letters and phone calls they make straight away.
What happens if I can’t pay?
If you can’t pay them, don’t panic. If you get in touch with them as soon as possible, you should be able to arrange a repayment scheme and pay the debt back in monthly instalments.
Can I make a complaint?
If you believe that the company used by EE debt collection has behaved in a disrespectful way, you can make a complaint about them. Start off by contacting them outright. If they do not respond, you can escalate the complaint to the Financial Ombudsman Service.
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 Collectors Survey
  2. Jubilee Debt, A Fresh Start After Covid-19
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.
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