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Are Moorcroft Debt Recovery sending you letters?

You’re probably here because Moorcroft Debt Recovery is sending you letters, giving you phone calls and knocking on your door. If you’re wondering what’s best to do, then this is the guide for you! In this guide, we’ll look at if you should pay, what happens if you don’t pay and some other tips and tricks. There’s also a way to write off the majority of that debt!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel better tomorrow.

moorcroft debt recovery featured image

Who are Moorcroft Debt Recovery?

Moorcroft Debt Recovery is part of the Moorcroft Group, specialising in a range of financial services such as debt collection. The company is registered in the UK and regulated by the Financial Conduct Authority.

Is Moorcroft Debt Recovery legitimate?

Moorcroft Debt Recovery are a legitimate company who are registered and regulated by the Financial Conduct Authority (FCA). The FCA have very strict rules, so it’s safe to say that they are a real company and operating within the law.

Don’t worry, here’s what to do

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

Write off up to 85% of your debts

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Who does Moorcroft Debt Recovery collect for?

Moorcroft Debt Recovery collects for:

  • HMRC self-assessment debts
  • HMRC tax credit over payments
  • United Utilities
  • Virgin Media
  • Npower
  • O2
  • Loan debt
  • Credit card debt
  • Court claims
  • And many more
why are moorcroft contacting me

Moorcroft Debt Letter through your door?

Moorcroft Debt Recovery are likely contacting you because they are working on behalf of a company who which you owe money or they have purchased the debt from who you originally owed money.

In the case of the debt purchase, they would have bought your debt at a fraction of the price, now they need to collect from you to make a profit.

Find your best debt solution (in 1 minute!)

debt solution

Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.

How debt collection can ruin your life

If you’re being pursued by debt collectors could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide.

Moorcroft casestudy

According to the debt support trust, almost half of people who struggle with debt at some point consider suicide. In their report into mental health and the credit industry researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”.

“Moorcroft have been calling me incessantly for the past week (as quickly as I block them they call on a new number) and I have received 4 letters in a week.

Today they started hammering on my door at 8am shouting that they are bailiffs and scared my daughter and I. He shouted through the letter box that he wasn’t going away until I came to the door which I didn’t. He walked all around the house hammering on all the windows.”

From ‘vicxzy’ on MoneySavingExpert
debt ruining life

What actions will Moorcroft Debt Recovery take?

Moorcroft Debt Recovery has no additional legal power over you than the company that you originally owed the money. The law says that they can chase you to get your repayment, but they’re not allowed to harass you.

In addition, the Office for Fair Trading has published a set of guidelines for the debt collection business. To summarise these, debt collectors should:

  • Treat you fairly and not use aggressive practices, coercion, deceit, or be oppressive, unfair, or improper
  • Be transparent and provide clear information that is not confusing or misleading
  • Be considerate towards you experiencing difficulty
  • Act proportionately taking into account your circumstances

Moorcroft Debt Recovery could send someone to your home, however, these are just ‘field agents’ and as such you don’t need to let them into your home and are not allowed to take any of your possessions.

moorcroft debt recovery bailiffs

Moorcroft debt recovery home visit

Moorcroft Debt Recovery could send bailiffs to your home, but only if they took you to court. If the court’s decision was not in your favour then bailiffs could come to your home to take some of your possessions to cover the value of debt owed.

Can Moorcroft Debt Recovery take my home?

It’s very unlikely that Moorcroft Debt Recovery would take ownership of your home, unless the money you owe is ‘secured’, such as a 2nd mortgage.

For an ‘unsecured’ debt they would have to take you to court and the court would have to issue a charging order.

What is an Attachment of Earnings Order?

If you’re given an attachment of earnings order, it means that they can take money directly out of your wages, before it hits your bank account.

You have to be taken to court in order to be issued an attachment of earnings order.

ignoring Moorcroft Debt Recovery

Can I ignore Moorcroft Debt Recovery?

You can ignore Moorcroft Debt Recovery however it is likely that they will take further action against you in the form of a County Court Judgement. In addition, they may send people around to your house.

Be aware, it’s not always a human that’s calling you, so you’re not wasting their time. Debt collectors often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer.

Can I stop Moorcroft Debt Recovery from contacting me?

Moorcroft Debt Recovery will be legally obligated to make some contact with you. These are usually legal letters that will be sent to your registered address. You can, however, ask them not to call or text you. Just say that you only want to deal with this matter in writing.

Do I really owe the money?

You should write to Moorcroft Debt Recovery and demand proof that you owe money. It is quite likely that the original debt, if there was one, has been inflated by various charges and interest, and could be substantially more than you believe you owe.

If they are unable to provide this you have no obligation to make any payment to them.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

how to make a budget

How to work out a budget?

Having a financial snapshot of your income and expenses will give you an idea of how much you can afford to repay each month. This is important as you don’t want to commit to making repayments that you can’t afford.

Read my financial snapshot guide to work out a budget.

What if I can’t afford to pay?

If you can’t afford to pay Moorcroft then you should be honest with them. This gives them an opportunity to suggest a repayment plan that could work for you. It’s in their best interest to work something out rather than get nothing.

Whatever you do, don’t tell them that you are going to make repayments if you know that you can’t afford them. This will add more stress and complications to the process when you start missing payments.

write off moorcroft debt recovery debt

How to write off your debt?

It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA). This is a formal agreement to pay the debt collectors an amount you can afford as a one-off sum or as monthly payment.

The rest of the debt will be written off after a defined period, usually five years. This must be carried out by an insolvency practitioner.

I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debtAnswer the four questions now.

Can I set up a payment plan?

If you can’t afford the payments then it’s likely that Moorcroft Debt Recovery will offer you a payment plan. This is a reduced monthly amount, usually over a longer period of time.

Be careful not to agree to a payment plan that you can’t afford. Be honest with them and yourself.

Read my payment plan guide.

Moorcroft Debt Recovery Payments

You can ask Moorcroft Debt Recovery if they will accept a partial payment or a ‘full and final settlement’. If they agree to this it will mean that they will write off the remainder of the debt.

Be aware however that if you do this, it may show on your credit score as a ‘partial settlement’, which may make it harder to get a loan, credit card or mortgage in the future.

Darren Kelsall from Stoke-on-Trent, negotiated his £3,302.51 debt down to £1,647.30

Story from The Sun website

Read my guide to partial payments and ‘full and final settlements’

paying debt with a credit card

Do Moorcroft Debt Recovery accept credit cards?

Yes, Moorcroft Debt Recovery accepts credit cards. The easiest way to make a payment is either on the phone or online.

Read my guide on using a credit card as a loan.

To make a payment you go to the the Moorcroft website and then you ahve to enter your reference number and date of birth. You can get your reference number from one of the many letters they would have sent to you. Or you can give them a call to get your reference number, however since you’re on the phone with them you may as well just pay there and then.

Moorcroft make a payment
deciding what your debt options are

What are my other debt options?

There are 5 main options that can help you with your debt:

  1. Snowball Method – if you can afford to make the minimum payments on your debt, then this method to become debt-free is almost definitely your best option. The great thing about the snowball method is that it actually improves your credit score, whereas the other options will damage it.
  • Debt Management Plan (DMP) – this solution has you paying less than the minimum every month and the lenders stop charging interest. Ideal for a short period if you have, for example, lost your job.
  • Debt Relief Order – is suitable if you have debts of less thank £20,000, have barely any income and don’t have a house.
  • Bankruptcy – is for many people the fastest way to way to hit the reset button. Don’t be put off, there’s a lot of stigma around the word ‘bankruptcy’, however, it could be the right thing for you to do.

See my debt options overview page outlining all your possible debt options and pros and cons of each.

embarrased about debt

I feel embarrassed to call

You don’t need to feel embarrassed, but it’s understandable that you do. In fact, you’re not alone, a recent survey showed that 67% of people are most embarrassed about their debt or credit score.

Remember, Moorcroft are not judging you, you’re just a number to them and they deal with thousands of people each week.

Moorcroft Debt Recovery review

1.7 out of 5 stars (1.7 / 5)

The above score is what I’ve concluded by researching forums, blogs, Google and Trustpilot reviews. In summary, Moorcroft is one of the bigger debt collectors that operates some questionable practices, all be it within the current regulations.

Do lots of research using sites like MoneyNerd and other StepChange to ensure that you’re making the right decisions. Don’t let anyone push you into agreeing with something that you don’t feel comfortable with.

How can I make a complaint about Moorcroft Debt Recovery?

If you feel like any debt collector is breaking the law by treating you unfairly or not being transparent then you should send your complaint direct to them first and then the Financial Ombudsman Service if the reply is not satisfactory.

The Financial Ombudsman Service (FOS) are a government body that will investigate the complaint and feedback to you once their investigation is concluded.

Moorcroft Debt Recovery Address and Phone Number


Phone number: 0161 475 2889, 0161 475 2827

Email address:

Postal address: Po Box 17, 2 Spring Gardens, Stockport, Cheshire, SK1 4AJ


Who owns Moorcroft Debt Recovery?

Moorcroft Debt Recovery is a company and brand in its own right. As of 2020, Companies House shows they have 3 directors whose names are Andrew McRoberts, Neil McRoberts and Amanda McRoberts.

Are Moorcroft Debt Recovery financially regulated?

Moorcroft Debt Recovery is financially regulated by the Financial Conduct Authority. The interim permissions reference number is 663896. They are registered in Stockport, Cheshire under the name Andrew McRoberts.

Do HMRC use Moorcroft Debt Recovery?

As of 2020, the HMRC uses 11 debt collectors, including Moorcroft Debt Recovery. On the HMRC website, they say that “the agency will write to you and you should pay them directly”.

Does Moorcroft Debt Recovery buy debt?

Moorcroft Debt Recovery buys debt from companies that have been unable to collect from you. They buy the debt for a few pence on the pound and then aim to collect a fraction of the full amount to make a profit.

What happens if you ignore debt collectors?

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.

Can Moorcroft Debt Recovery take you to court?

Moorcroft Debt Recovery can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.

Can you go to jail for debt collections?

You cannot go to jail for debts owed to debt collection agencies.

What happens if I ignore a CCJ?

If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.

Can Moorcroft Debt Recovery issue a warrant?

Moorcroft Debt Recovery cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.

Are Moorcroft Debt Recovery bailiffs?

Moorcroft Debt Recovery are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Can Moorcroft Debt Recovery come to your house?

Moorcroft Debt Recovery have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away.
If you have received a County Court Judgement then the courts could instruct bailiffs to come to your hous

Can Moorcroft Debt Recovery force entry?

Moorcroft Debt Recovery cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Will Moorcroft Debt Recovery give up?

Moorcroft Debt Recovery won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.

Can a debt be too old to collect?

A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.

If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

How long can you legally be chased for debt?

As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt.

If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

Are debts ever written off?

Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.

How do I contact Moorcroft Debt Recovery?

You acn contact Moorcroft Debt Recovery via phone, email or letter which are on their website. If you are using a debt management company then you can instruct them to handle the correspondence.

How do I pay Moorcroft Debt Recovery?

You can pay Moorcroft Debt Recovery by giving them a call or paying online. In addition, they accept bank transfer and cheques.

Debt Charities

If you’re in serious financial difficulty, there are 3 main charities that I would recommend. There’s no downside to getting free advice from these charities.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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