Not everyone ends up paying for EE Debt Collection agents just because they got a debt letter from them. But in the meantime, it is equally important not to ignore their reachouts as it could escalate and worsen your debt situation if not treated well.
Don’t worry. We’ve got you covered. Let us dive you through as we uncover the unfolding mystery behind EE Debt and the choices lying ahead…
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If you owe money to EE, don’t worry. There are various options in the UK to help resolve your debt issues. Some individuals have successfully negotiated payment plans with their creditors, while others have secured discounts on their total debt.
Additionally, some people have managed to write off a portion of their unaffordable debt or have been approved for reduced monthly instalment payment plans.
In more extreme cases, some have declared bankruptcy.
However, you need to keep in mind that each debt resolution method comes with its own set of pros and cons. Therefore, being aware of these can help you make an informed decision. We have analysed each debt.
Who Does the EE Debt Collection in the UK?
EE often employs debt collection agencies in the UK to recover unpaid debts.
One of the agencies they use is Moorcroft Debt Recovery Limited. These agencies purchase large amounts of debt at very low prices, which motivates them to pursue the debt vigorously to make a profit.
Surely, receiving a letter from Moorcroft Debt Recovery Limited about an EE debt might surprise you, especially if you haven’t dealt with them before. Keep in mind, not to get panicked and take sudden actions that you might regret in these situations just because you receive a notice. Instead, there are several steps you should consider before engaging with them.
Yes, Moorcroft Debt Recovery Limited is a legitimate debt collection service providing company. Below are some of the facts that will help you to verify their legitimacy.
So you don’t need to worry about Moorcroft Debt Recovery Limited if you receive any debt notice regard to EE Debt Collection.
- Check Online Reviews: Look up reviews and ratings of Moorcroft Debt Recovery Limited online. Websites like Trustpilot and Google Maps business location reviews can provide insights from other people who have dealt with them.
- Contact EE Directly: If you’re unsure about the legitimacy of the letter, contact EE directly using their official contact numbers. Verify if they have indeed handed your debt over to Moorcroft.
- Look for Red Flags: Be wary of red flags such as aggressive language, threats of immediate legal action, or demands for payment through unconventional methods like gift cards or wire transfers. Legitimate debt collectors follow a professional code of conduct.
Ensuring you’re dealing with a legitimate agency can save you from falling victim to scams.
But how do you confirm if you actually owe the money they claim?
Do I Owe the Money They Say I Owe?
If you receive a letter from Moorcroft Debt Recovery Limited claiming you owe money to EE, the first thing you should do is to verify whether you really owe them.
For that,
We strongly suggest you to ask Moorcroft Debt Recovery Limited to provide you with the written documents in order to prove you really owe them. For that, you can write a request letter titled ‘Prove the Debt,’ asking to send you written provable documents that show you really owe them.
They are bound by law to reply to you with proof. Additionally, make sure to keep a copy of the request letter and send it via a trackable mail service. This documentation will come in handy if Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents go to court without replying to you with proof.
Their reply should at least include a copy of the initial credit agreement you had with the original creditor. You are not required by law to settle the debt until they prove you really owe them.
In some cases, Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents may pursue old debts, and it’s essential to be aware of the UK’s Statute-Barred debts. There are 3 main conditions you need to fulfil simultaneously in order to get a Statute-Barred excuse from the court.
This includes:
Your debt becomes statute-barred if the above three conditions are fulfilled at the same time. As a result, your debt becomes legally unenforceable. However, note that the debt technically still exists. It just simply means that if you ignore paying the debt, they will not be able to go to court against you for it.
But just because your debts become legally unenforceable by the court does not mean your credit history will clear your debt as well. Instead, receiving a Statute-Barred excuse for your debt will negatively affect your credit history. As a result, you may face difficulties in getting new loans and credit cards in the future.
However, not all debts become statute-barred. HMRC debts and debts with a County Court Judgment (CCJ) remain enforceable for extended periods.
It’s better to seek debt advice from a debt advisor if you’re unsure about your debt’s status. These advisors can assess your debt, determine its status, and guide you on the appropriate actions to take.
Need More Help to Deal with Your Unaffordable EE Debt?
If you’re unsure how to deal with your unaffordable EE Debts, feel free to fill out our online form, and our Advice Team will get back to you to guide you.
What if Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents prove you really owe them?
The easiest way to solve this debt issue with Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents is to settle the debt in one go and get done with it.
Or you can get in touch with them via phone call and request a payment plan if you are facing difficulties financially. Keep in mind to ask them about a payment plan in a way they get convinced enough to approve one for you. They will surely approve a payment plan if you can convince them with proof of your income and expenditure.
Should I Ignore Them? : Consequences of Ignoring EE Debt Collection
If you’re wondering whether you should ignore letters from EE Debt Collection or Moorcroft Debt Recovery Limited, it’s important to understand the potential consequences of ignoring them:
Additionally, they can take court orders to take money directly from your bank account(wage garnishment).
Can I Stop Debt Letters From Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents?
You control the narrative of how you wish to be communicated with. By expressing your communication preferences to Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents, be it via phone, letter, or email, you can align correspondence to your comfort level.
To minimise their constant reachouts, the best way to be in contact with them is through letters. You just have to request a letter stating that you prefer to communicate with them only using letters. They are bound by law to honour your request and stop all other ways of ongoing reach-out practices.
They may monitor their calls and messages to identify when you’re most likely to respond. Informing them of a convenient time for you will not only ease their workload but also empower you with more control over the situation.
How to Make a Complaint about Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents?
Since Moorcroft Debt Recovery Limited agency’s EE Debt Collection agents are authorised and regulated by the Financial Conduct Authority (FCA), they need to follow strict FCA guidelines placed on them when conducting debt recovery practices.
Below are some of the rights you have while engaging with debt collectors like Moorcroft Debt Recovery Limited Debt Collection Agents.
For that:
Moorcroft Debt Recovery Limited will end up paying a huge fine or compensation to you if they are proven guilty of their conduct by the legal officers.
If you find hardship in dealing with Moorcroft Debt Recovery Limited, then you can use trusted debt advisory charities like Citizens Advice, National Debtline, and StepChange to take free debt advice to deal with your debt issue.
They will help you leverage their expertise to understand your rights and navigate through the complaint procedure with Moorcroft Debt Recovery Limited.
What Should I Do If My EE Debts Are Huge And I Cannot Afford To Settle Them?
Sometimes, you may face difficulties in agreeing to the proposed payment plans from your creditor or the Moorcroft Debt Recovery Limited’s EE Debt Collection agents, especially if they are financially burdensome.
In such situations, it is advisable to explore alternative debt solutions that can effectively address your debt-related concerns. In the UK, there are various alternative debt solutions to consider.
However, it’s crucial to keep in mind that each of these debt solutions has specific eligibility criteria. Selecting the right one can lead to debt resolution, while choosing the wrong one could worsen your financial circumstances.
Hence, seeking guidance from a professional debt advisor is a prudent step to take if you find it challenging to determine the most suitable debt solution on your own.
If you need personalised assistance based on your current financial situation, please feel free to complete our online form by clicking here to receive help from our Advice Team.
Seek Free Financial Advice
There are a number of debt charity organisations that you could use to get professional debt and financial advice free of charge. Their advisors will inquire deeply about your debt issue and will help you in finding a reliable solution to overcome it.
Below is a list of charity debt organisations where you could get free debt help:
EE Debt Collections Contact Details
| EE Website: | https://ee.co.uk/ |
| Moorcroft Debt Recovery Limited Website | https://www.mdrl.co.uk/ |
| Telephone: | about Mobile +44 7953966250 about Broadband & Landline about Mobile Broadband |
| Opening hours: | Mon to Fri 8am – 9pm Sat to Sun 8am – 8pm |
| Deaf, hearing or speech impaired: | To contact us using the Relay UK service, dial 18001 in front of one of the following numbers: EE: 07953 966 250 Legacy brand: 07953 966 150 |
Key Points
- EE often uses external agencies like Moorcroft Debt Recovery Limited to collect unpaid bills. These agencies purchase the debt at a fraction of its original value and pursue it for profit.
- Always respond to letters from EE debt collection agencies. Ignoring them can lead to increased stress, persistent contact, and potential legal actions.
- You have the right to challenge the debt and request proof. Sending a ‘Prove the Debt’ letter forces the agency to provide evidence that you owe the claimed amount.
- Legal actions taken by debt collectors can result in a County Court Judgment (CCJ), which severely impacts your credit score and financial future.
- If you cannot pay the debt in full, you can negotiate with the debt collection agency for a payment plan or reduced settlement. Always get agreements in writing.
- Debt collectors must adhere to regulations that protect you from harassment. They cannot use threats, abusive language, or contact you at unreasonable hours.
- Ensure that all details in the debt collection letters match your records from EE. Double-check account numbers, amounts, and dates to avoid mistakes or scams.
- Beyond checking Companies House and FCA regulations, look up online reviews and contact EE directly to confirm the legitimacy of the debt collection agency.
- Familiarise yourself with your rights regarding debt collection. This includes understanding what debt collectors can and cannot do, such as conducting home visits and contacting you frequently.
- Try out seeking help from other alternative debt solutions if you find hardship in accepting payment plans suggested by the EE debt collection agency.
FAQs
If you receive a letter from EE Debt Collection, don’t panic. First, verify the legitimacy of the debt collection agency and confirm that the debt is yours. Follow the steps in the article to cross-reference your records, request proof, and verify details. Responding promptly is crucial to avoid further complications.
Yes, if you ignore their attempts to contact you, EE debt collection agencies can escalate matters to legal action. This can include obtaining a County Court Judgment (CCJ) against you, which can severely impact your credit rating and lead to further consequences like bailiff visits.
To verify the legitimacy of an EE debt collection agency, check their registration on the Companies House website and ensure they are regulated by the Financial Conduct Authority (FCA). Moorcroft Debt Recovery Limited, for example, is a legitimate agency registered with the company number 01703704 and regulated by the FCA.
You have several rights when dealing with EE debt collectors:
- Right to Proof: You can ask for evidence of the debt.
- Communication Limits: They cannot call you before 8am or after 9pm.
- Harassment Protection: They cannot harass you with threats or abusive language. Understanding these rights can help you manage interactions with debt collectors confidently.
While debt collectors can conduct home visits, these are rare. They do not have the right to forcibly enter your home. If a debt collector visits, you can ask them to leave if you feel uncomfortable. They must respect your request.
Ignoring EE debt collection letters can lead to persistent contact, legal action, and potential visits from bailiffs. It is advisable to respond to the letters, verify the debt, and communicate with the debt collection agency to resolve the issue.