Moorcroft Debt Recovery – How to Stop Contact & Deal with Debt

Have you received a letter, call, or text from Moorcroft Debt Recovery Ltd? If so, you’re not alone. Moorcroft is one of the UK’s most active debt collection agencies, often chasing unpaid debts on behalf of banks, utilities, credit card providers, and more.

Dealing with debt collectors can be stressful — but there are ways to stop the pressure, freeze interest, and take back control. Whether you owe Moorcroft or simply want to understand your rights, we’re here to support you every step of the way.

Who Are Moorcroft Debt Recovery?

Moorcroft is a private debt collection company based in Stockport. They chase payments for well-known creditors like Barclays, HSBC, Capital One, and others. In some cases, they collect on behalf of the original lender. In others, they may have purchased the debt and now own it outright.

They typically contact customers by letter or phone, asking for immediate payment. But it’s important to know — you do have rights, and help is available.

Why Is Moorcroft Contacting Me?

If you’re being contacted by Moorcroft, it means they believe you owe a debt. Common types of debts they collect include:

• Credit card debt
• Loans and overdrafts
• Utility bills (gas, electric, water)
• Council tax arrears
• Catalogue and store card accounts

Even if the debt is old or unfamiliar, don’t ignore the letters — but don’t panic either. You may not have to pay in full, and in some cases, the debt could be written off through a formal debt solution.

Your Rights When Dealing With Moorcroft

Debt collectors like Moorcroft must follow strict UK regulations. You are protected by law and have the right to:

• Request proof of the debt
• Ask for all communication in writing
• Dispute the debt if it’s not yours
• Refuse entry to your home (they are not bailiffs)
• Complain if you’re being harassed or treated unfairly

Always stay calm and never feel forced to pay something you can’t afford. Help is available.

Can I Include Moorcroft Debt in a Payment Plan?

Yes. Moorcroft debts can be included in various formal debt solutions, including:

• Individual Voluntary Arrangement (IVA)
• Debt Management Plan (DMP)
• Debt Relief Order (DRO)

These solutions can reduce your monthly payments, stop interest and charges, and even write off some of your debt depending on your situation. Our team can check your eligibility quickly and confidentially.

Will Moorcroft Take Me to Court?

While Moorcroft can recommend legal action, they cannot issue court proceedings themselves unless they own the debt. If legal action is taken, it would typically involve a County Court Judgment (CCJ).

If you’ve received a CCJ claim or letter of claim, don’t delay — there may still be time to stop further action and agree an affordable solution.

How to Stop Moorcroft From Contacting You

You can stop or reduce Moorcroft’s contact by:

• Requesting that they only contact you in writing
• Asking them to pause action while you seek debt help
• Including the debt in a formal solution such as an IVA or DMP

Once you enter a formal debt plan, Moorcroft will usually be required to deal with your chosen provider — and the pressure can finally stop.

Other Debt Collectors Like Moorcroft

We also help people with debts from other major collection agencies, including:

• Lowell Financial
• Cabot Financial
• Moriarty Law
• PRA Group
• Link Financial

Speak to a UK-Based Team You Can Trust

We know how it feels to be chased for money you can’t afford to pay. Our small UK team specialises in supporting people in your position — without judgment or pressure. We’ll explain your options clearly, and if a solution is right for you, we’ll help you put it in place quickly.

We don’t give financial advice, but we do help people reduce their debt and stop unwanted contact — fast.