Fresh Start Debt Support
Who Moorcroft are, your rights, how to reply in writing, and how to set an affordable plan (DMP/IVA) that you can keep.
✅ Start Free Moorcroft CheckQuick answer: Moorcroft is a UK debt collection agency. If you’ve had a letter, text or call, you still have options. Stabilise priority bills, respond in writing with a budget-based offer, and consider rolling everything into an affordable DMP or, if eligible, a formal IVA. Don’t agree to an amount you can’t sustain.
Moorcroft Debt Recovery is a UK debt collection agency. They usually contact people about overdue balances like credit cards, loans, catalogues/BNPL, utilities or telecoms. They might work on behalf of the original lender or a debt purchaser that now owns the account.
Both situations happen in the market. Sometimes Moorcroft will collect on behalf of the original creditor; other times a debt purchaser owns the account and asks Moorcroft to handle contact and payments. Your letter should clarify who owns the balance—include that in any Prove-It or CCA request.
Debt collectors like Moorcroft are not enforcement agents and cannot force entry. You can keep the door closed and ask for written communication.
Many people choose written communication so there’s a clear record. It also lets you attach a budget and make a defendable offer.
“I’m seeking debt advice and will reply in writing with an affordable proposal based on my budget. Please use written communication.”
More Scripts & TemplatesIf you’re vulnerable (health, disability, bereavement, language barriers, pregnancy, caring responsibilities, domestic abuse, etc.), request reasonable adjustments: written-only contact, extra time to respond, and a point of contact. Keep everything in writing.
Most consumer debts default with the original lender before collection. The default date usually governs how long the record stays on your file.
If no arrangement is agreed, a creditor (or solicitors) may send a Letter of Claim. Use this window to provide your income/expenditure and consider short-term protections while you organise your plan.
If you receive a claim, reply on time. Courts often set affordable monthly payments based on your budget. A CCJ doesn’t mean bailiffs tomorrow — enforcement is a separate stage.
I’ve Had a Letter – Help Me RespondAsk Moorcroft to confirm the creditor, balance and account details. Don’t include admissions or payments until you’re sure.
For credit cards/loans/hire purchase, you can request a copy of the signed Consumer Credit Agreement. If it can’t be produced, the debt may be unenforceable while missing.
Some older debts can be too old to enforce via the courts depending on dates and acknowledgement. Get advice before you pay or acknowledge in writing.
Use Our Proof & CCA TemplatesList income, priority bills and realistic spending. Try our Debt Calculator to test figures and find a monthly contribution with breathing room.
If you have multiple creditors, split your available amount fairly so every creditor sees a transparent share. This improves acceptance and reduces failures.
Subject: [Your name] – Ref [reference] – Affordable Payment Proposal Dear Moorcroft, I’m seeking debt advice. Based on my attached budget, I can afford £[amount]/month. Please confirm bank details and that further action is paused while this is reviewed. Kind regards, [Your name] [Address] [Ref]Ask Us To Review Your Offer
The default is usually recorded by the original lender. When an account moves to a collector, it does not normally create a new default; the original default date governs when it drops off (typically six years).
Affordable plans help prevent further action. For lump-sum settlements, get the terms in writing (how it’s reported and whether the balance is settled), and keep it fair across all creditors.
Want to compare routes side-by-side? See Compare Solutions, or read more about DMPs and IVAs.
Mail hub often seen on letters: PO Box 17, Stockport, SK1 4AJ
Prefer email/written contact so you can attach your budget and keep a clear record. Keep photos of letters, envelopes and any reference numbers.
One affordable monthly payment shared across creditors. Many freeze or reduce interest (not guaranteed). Flexible if income changes.
Formal, legally binding. You pay what’s affordable for an agreed term; remaining eligible unsecured debt may be written off on completion. Strong protections once approved.
See Compare Solutions for a side-by-side view, then get a tailored recommendation.
Get My Personalised PlanPropose a figure you can sustain after priority bills. Written offers + evidence of affordability work best.
Moorcroft is a long-standing UK debt collection agency. You still have rights and do not have to accept unaffordable terms.
Some old debts may be too old to enforce through the courts depending on timings and activity. Get advice before you pay or acknowledge in writing.
Reply on time with a full budget. Courts often set affordable payments when you engage and show figures.
Ask for written contact. Keep everything in one place and send a budget-based proposal.
Potentially. If you can offer a lump sum, ask for terms in writing and plan fairly across all creditors to avoid flare-ups elsewhere.
Use written communication and keep copies. See contact details and attach your budget with any proposal.
Verify the debt first. Use a “prove-it” or CCA request where appropriate. See Prove-It & CCA.
The original default date governs when the entry drops off. See credit file for how plans/settlements are reported.
Strengthen your budget evidence, use pro-rata across all creditors, and consider a DMP or IVA if affordability is tight.
Complain in writing to Moorcroft first; keep a log of calls/letters. If unresolved, escalate per their complaints procedure while you maintain a fair offer in writing.
Moorcroft is a UK debt collection agency that contacts people about overdue accounts such as credit cards, loans, catalogues or utilities. They may act for the original creditor or a debt purchaser.
Tip: Ask who owns the account now, and request statements/assignment letters if unclear.
No. Moorcroft are debt collectors, not bailiffs/enforcement agents. They cannot force entry and you can ask for written contact.
You can communicate through the letterbox or by email and keep a clear audit trail.
You can, but many people prefer written communication to keep a clear record and attach a budget-based offer.
If calls feel overwhelming, state you prefer to communicate in writing and give a reasonable response date.
They may recommend legal action via the creditor if no agreement is reached. If you receive a claim, respond on time; courts often set affordable payments based on your budget.
Missing deadlines reduces your options—open mail promptly and respond in writing.
Stabilise essentials first, reply in writing with a defendable offer, and consider a DMP or IVA where suitable. Ask about short-term protections while your plan is organised.
Log all contact and request reasonable adjustments if you’re vulnerable.
Sometimes. If you can offer a lump sum, a partial settlement may be possible. Always get the agreement in writing and consider all creditors to keep things fair.
Confirm how the account will be reported (e.g., “partially settled”).
We’ll help you protect essentials, reduce contact pressure, and set a realistic plan you can stick to — even with Moorcroft in the mix.
Start My Free Moorcroft Check