PO Box 17 Stockport SK1 4AJ Debt Letter – Who is it?

Have you received a letter from PO Box 17 Stockport SK1 4AJ? This address is used by Moorcroft Debt Recovery, a debt collection company.

We know it might feel scary to get a letter like this, but you’re not alone. Every month, over 170,000 people come to our website for advice on debt issues.

In this guide, we’ll help you understand:

•  If you need to pay the debt or if you can ignore it.
•  How to handle these letters and stop them from bothering you too much.
•  What choices you have to make a plan to pay or even cancel your debt.

Receiving a letter about money you owe can be stressful. In fact, studies reveal that 64% of people in the UK feel anxious when dealing with debt collectors.¹ We get it because some of our team have been there too.

That’s why we’ve prepared this guide that will give you the tools you need to deal with your situation in the best way.

Should You Ignore Mail From PO Box 17 Stockport SK1 4AJ?

When it comes to official-looking mail from an unknown source it might be tempting to dismiss it as spam and ignore it, or even to throw it away.

However, if you receive a letter addressed to you with the return address of PO Box 17 Stockport SK1 4AJ, Moorcroft Debt Recovery is probably trying to request payment.

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

Keep in mind that if there are any issues surrounding outstanding debts, then ignoring the letter could be costly and will cause more problems.

» TAKE ACTION NOW: Fill out the short debt form

How Should You Respond to the Letters?

The way to respond to letters you receive from PO Box 17 Stockport SK1 4AJ depends on the exact nature of the post.

The first thing to mention is that, if it’s not addressed to you or someone currently living in your home, you should return the letter as soon as possible. You can return mail by crossing out the address and writing ‘not known at this address’ or similar on the envelope.

You can then put it back in a post box, and Royal Mail will try and deliver it back to the sender, free of charge. This should allow them to update their records and stop them from contacting you.

However, if you receive mail directly from the PO box there could be several reasons why they’ve contacted you.

In the case that you do receive contact about an unpaid debt from Moorcroft, you can either contact them to discuss the matter or pay the money you owe (providing you actually owe it).

Are The Letters from PO Box 17 Stockport SK1 4AJ Legitimate?

It can sometimes be difficult to know what mail is spam and what’s not.

Generally speaking, letters with a return address of PO Box 17 Stockport SK1 4AJ are from a legitimate sender, and will almost certainly be from Moorcroft Debt Recovery.

If you’re unsure about how legitimate a letter is, you can always reach out directly to Moorcroft or their client, the original creditor who you owe money to (assuming that the debt really is yours!)

By law, Moorcroft or the creditor will need to respond to a ‘prove it’ letter that verifies that the debt you are being chased for is actually yours.

That might sound overwhelming, but I’ve put together a free template you can use to easily get a ‘prove it’ letter written up and ready to be sent – click here to take advantage of the free offer.

Make sure to check out the details of any company that you’re unfamiliar with. Generally, it’s unlikely that you’ll know the name of the debt collection agency that’s trying to recover money from you.

Moorcroft act on behalf of other businesses or sometimes buy the debt themselves to reclaim it. This is very common, as debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1!²

Be cautious of any correspondence that’s asking for sensitive information related to your personal identity or bank account, as that might be a scam!

Again, if you’re unsure of how authentic a letter is, you should raise it with Moorcroft directly. You can also contact your nearest Citizens Advice Bureau for help with anything related to debt.

Do You Owe Moorcroft Debt Recovery Money?

It can sometimes be hard to know if you actually owe money to Moorcroft if they contact you.

Generally speaking, if you receive a legitimate letter from a company claiming you owe them, the chances are you actually do. It could be an outstanding loan, credit card debt, or store credit.

Whether it’s the company themselves or a third-party collection agency chasing you, they must be able to prove that you owe the debt. Debt verification is a very important step in the debt recovery process – you don’t want to be paying for a debt that you don’t have to!

This means you can contact them in writing to ask for the details they have of the money you owe. Writing to the return address (in this case PO Box 17 Stockport SK1 4AJ ) can be a good place to start.

If your debt is over six years old and you’ve not made any payment on it or contacted the creditor, it could be what’s known as statute-barred, meaning you may not have to repay it.

However, this only applies if the creditor hasn’t contacted you or taken out a CCJ against you during that time.

It’s worth exploring your avenues to find out whether you definitely owe and have to repay the money. You may need to contact whichever company or debt collection agency is chasing you while you do so.

What Should You Do If You Have Debt?

Money can be hard to manage sometimes, and debt can prove to be a vicious circle once you get into it.

However, there are some effective ways of dealing with letters from debt collection agencies, whether or not they use the PO Box 17 Stockport SK1 4AJ address.

Below, I’ve outlined some of the strategies you can take when dealing with unpaid debts:

1. Verify what you owe and to whom. You’ll want to confirm with whichever company you’re dealing with how much you owe them. You can ask for proof of exactly what they’re claiming, and they have to provide it before you pay.
   
2. Consider paying the amount owed. If you definitely do owe the money and you have sufficient funds to cover the amount, paying it off will end the matter there and then.
   
3. Ask about payment plans. The creditor may be willing to work with you to arrange a repayment plan. This will allow you to pay back a certain amount each month until the debt is repaid.
   
4. Check whether the debt is statute-barred. If it’s been more than six years since any action by you or the creditor was taken over the debt, it could be written off. I go through statute-barred debt in more detail below but, if you are unsure, I recommend speaking to a debt charity for free advice.
   
5. Consider debt management options. There are several ways you can consolidate your debts into one manageable repayment. I go through different debt solution options below.

I’ve created this table to help you better understand what debt collectors can and can’t do when it comes to demanding payment from you. For a more detailed breakdown, check out our article on your rights with debt collectors.

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.

Can You Get a Debt Solution?

If you are dealing with Moorcroft or struggling to make your unsecured debt payments, you may benefit from a debt solution.

Debt Management Plan (DMP)

A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.

Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.

IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.

Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.

Trust Deed

IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.

Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.

Debt Relief Order (DRO)

A DRO is a good option for those facing financial hardship with no assets and little income.

For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.

If your finances haven’t improved during this year, you may be able to write off your unsecured debts.

Bankruptcy

If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.

Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.

Sequestration

Sequestration is the Scottish version of bankruptcy.If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.

Where is the PO Box 17 Stockport SK1 4AJ Address?

PO Box 17 Stockport is located in the SK1 4AJ postcode. This postcode means that it’s situated in central Stockport, near Manchester in the UK.

Although it’s located in Greater Manchester, it’s possible that mail with this return address can be sent to locations all over the country. It’s also situated a stone’s throw from Moorcroft’s main UK office, in further confirmation that the two are linked.

PO Box 17 Stockport Contact Details

Phone:	0161 477 2222
Address:	PO Box 17, Stockport, Cheshire, SK1 4AJ
Website:	http://www.mdrl.co.uk/

References

1. Indebted Debt Collection Survey
2. Jubilee Debt Campaign