PO Box 17 Stockport SK1 4AJ Debt Letter – Who is it?
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Junk mail isn’t so common these days, but plenty of people still receive letters from unknown sources like PO Box 17 Stockport, SK1 4AJ. You’re probably more used to spam emails, but that doesn’t mean that an important-seeming letter from an unknown PO box isn’t worrying.
It can be difficult knowing which post is from a real source and which post isn’t.
Looking at the return address can sometimes help, but what do you do if you come across a postal address such as PO Box 17 Stockport, SK1 4AJ? How do you know who is sending you mail from this address and what you should do about it?
We’re taking a look at where such letters come from – and who’s behind the Stockport PO box.
Beating Debt Collectors
There are several ways to deal with debt collectors and improve your finances.
Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.
It’s always best to find out about all your options from a professional before you take action.
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Which Company Uses PO Box 17 Stockport?
Even a quick internet search will outline a range of indexes about the address of PO Box 17 Stockport SK1 4AJ. Some of these are less up-to-date, while some are more recent. Clearly, people want to know who’s behind the PO box.
PO Box 17
However, the inbox is certainly that of Moorcroft Debt Recovery. Here’s an overview of what you need to know:
- They’re a Cheshire-based debt recovery agency.
- They’re legitimate – The company is registered in the United Kingdom at a Stockport office and is regulated by the Financial Conduct Authority (FCA).
- Their registered office address is 2 Spring Gardens, Stockport, SK1 4AA, but they will often use the PO box for contact.
- Along with an office team and call staff they admittedly use field agents to visit people in debt at their home. They have absolutely no right to come onto your property as they are not registered bailiffs.
These are some of the essential pointers to note about Moorcroft, but you can find out more by reading our feature article on the company here.
Should I 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, there’s a good chance that there’s something really important worth reading inside.
The letter could be something from a debt collector concerning money you might owe, and it could contain important information.
If there are any issues surrounding outstanding debts, then ignoring the letter could be costly and will cause more issues.
The unpaid debts won’t go away by themselves, so you need to take action and not ignore the letter!
It’s always a good idea to open mail that’s addressed to you. Doing so allows you to focus on dealing with any issues that it brings up. If you ignore something important, it’s highly likely that you’ll keep receiving post in relation to it too, so you won’t even solve the problem of receiving a barrage of unwanted letters.
If you owe money to your bank or credit card provider, there’s a high chance they will chase you up for it.
Opening post addressed to you means you get a head start on dealing with any issues that arise. Remember – Moorcroft are behind the PO box, and it’s their job to profit from chasing you up over unpaid debts.
How should I 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. It’s more likely than not that the mail was meant for you. Your best bet is to reach out to them regarding whatever the issue is.
In the case that you do receive contact about an unpaid debt from Moorcroft, then as they’re a debt collection agency you should make sure you deal with the issue straight away.
You can either contact them to discuss the matter or pay the money you owe (providing you actually owe it).
Feeling like Chandler?
Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.
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 mighty sound overwhelming, but we’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.
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 I 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.
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 I do if I 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, we’ve outlined some of the strategies you can take when dealing with unpaid debts:
- 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.
- 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.
- 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.
- 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. Check your options and speak with a professional.
- Consider debt management options. There are several ways you can consolidate your debts into one manageable repayment. Something like an individual voluntary arrangement (IVA) lets you pay back a certain amount of 60 months, with anything outstanding after that being written off.
What is a PO Box?
A PO Box (sometimes written P.O. Box) is a Post Office box, which is a secure lockable box where letters are sent. These lockboxes are usually located at Post Offices and Royal Mail sorting offices. They exist to let users receive post to a location that’s separate from their main address.
PO boxes can be useful tools for businesses and individuals for a whole number of different reasons.
Not only do they give the user some form of privacy and anonymity, but they can also help to manage inbound post more effectively.
For those who are currently outside of the UK, it also allows them the chance to have their mail delivered to a fixed location.
They’re usually quite affordable, which makes them convenient for individuals, as well as large or small businesses. Costs run from £277.50 to £408 per year with Royal Mail, although other services exist.
Who uses PO boxes?
All kinds of people and organisations use PO boxes. They have various uses for different situations, including for:
- Large companies. Businesses that have a lot of different locations or branches often have to think about the logistics of receiving mail.
Rather than listing out all of their addresses, they can use a central PO Box and then distribute the mail to where it needs to go.
- Small companies. For those who operate a business from their home address, they can add a layer of privacy with a PO Box. It also gives a more professional appearance than using a residential address.
- Individuals. There are many reasons an individual may use a PO Box. Expats and frequent travellers often have them so they can still receive mail when overseas.
Those who are in the public image (such as bloggers) can gain extra privacy when sending marketing emails to followers.
So, with the high amount of uses for Post Office boxes, it’s highly likely you’ll see many companies using them. They’re particularly popular for return addresses for physical mail, as it makes it harder for the recipient to visit the sender in person.
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 SK1 4AJ – Final Thoughts
So, if you’ve received mail that includes a return address of PO Box 17 Stockport SK1 4AJ,the chances are that it’s from Moorcroft Debt Recovery, either collecting on a client’s behalf or a debt they have bought from a creditor.
If the post is addressed to you, it’s definitely worth opening it to find out why they’re writing to you. If there are any pressing matters, you can contact them directly to resolve them. Make sure to send a ‘prove it’ letter to verify its legitimacy.
If the mail isn’t addressed to you or anyone in your household, you should return it to the sender with a note saying ‘not at this address,’ or similar.
If you do receive a letter from such a company, it’s important not to ignore it. Instead, you should take the necessary steps to resolve the matter.