Moorcroft Debt Recovery Avis 

Illegal 3‑day deadline, no breakdown – here's what to do if it happens to you

Moorcroft sent me a letter demanding £110.90 with only **3 days to reply** (letter dated 14 May, deadline 21 May). That's a direct breach of FCA CONC rules – consumers must be given a **minimum of 30 days** to respond before any enforcement or credit reporting can take place.

They also refused to provide any breakdown of the debt. No bill. No dates. No services. Just a balance.

When I challenged the debt (which relates to a contract I had already lawfully terminated – I have proof), Moorcroft did not investigate. They simply closed the account on their system and returned it to their client. That's also a breach of CONC rules (failure to suspend collection activity while a dispute is investigated).

**What I did (and what you should do if this happens to you):**

1. **Do not pay** – paying a disputed debt can be seen as admitting liability.
2. **Dispute it in writing** – email them and keep a copy.
3. **Check the deadline** – if it's less than 30 days, that's unlawful.
4. **Request a full breakdown** – under FCA rules they must provide it.
5. **If they don't respond or refuse, report them** – to the FCA, the Financial Ombudsman Service, and the ICO (if your data is being processed unlawfully).

I have also sent Moorcroft a **Subject Access Request (SAR)** under UK GDPR to obtain all data they hold on me – including who instructed them and why the debt was raised. If they process your data without a lawful basis, you have the right to do the same.

**Bottom line:** Moorcroft's 3‑day demand was illegal. They have not provided a breakdown. They have not investigated my dispute. I am now taking this to the regulators.

If you're in a similar situation, know your rights – and don't be bullied by illegal deadlines.

Thhe setup of accessing my account is accessed easily and knowing if i need to speak to an agent then there bis always somebody to help

I just want to say thank you for more craft. They are the best and very kind and very professional people.

Very recently I was the victim of a fraud and had no idea until I was contacted by letter by Moorcroft. I was met with kindness and understanding and they undertook communication with Tesco Mobile. Now resolved I have to thank among others Lee and Alex for their help. Without this company I would have been lost. Tesco Mobile have from first to last never made contact with me. Disgraceful. Many thanks and a well deserved five stars to Moorcroft.

Really good advice and assistance and a financial tool, all on-line where you can analyse affordability. Advisors were clear and offered any additional help should it be needed. I had no problems setting up an affordable payment with Moorcroft.

After receiving a text message to get in touch which l did the same day, it was easy explaining my issue that l had, and they sorted it out well within 15minutes, excellent service.

Very helpful and knowledgeable agent. Everything completed there and then.

Train your staff to do customer service better instead of just cutting off the conversation! I work in a customer service role and that is disgusting behaviour from your stupid team

I’ve been dealing with Moorcroft for nearly seven years, and my experience has been very positive throughout.

From the beginning, they have been professional, understanding, and respectful in all communications. They took the time to listen to my situation and were always willing to work with me to find manageable solutions. I never felt pressured unfairly, and their approach helped reduce a lot of stress during a difficult time.

What stood out most was their consistency and clear communication. Whenever I had questions or needed support, their team responded promptly and explained things in a straightforward way.

Overall, I’m very satisfied with how Moorcroft handled my case. They’ve been supportive and fair, and I truly appreciate the way they’ve worked with me over the years.

A great experience with a very nice young man, a good company doing a difficult and sensitive job. Thank you!

when we spoke to the agent on the phone we got repayments suitable for both sides can't fault them and very understanding

This is a horrible time in my life where I literally overnight lost a very good income and now only get state pension!
Having to deal with debt is daunting and I was dreading having to deal with debt collectors.
Moorcroft's agents have been compassionate, helpful, understanding and non-judgemental.
Thank you!

Very nice and understandable staff and Service i was treated with proffetional and excellent service. The person listened to all my problems and situation and provided me with the best service. I'm very very happy with their service , staff and company.

Excellent experience

Extremely supportive and helpful.
Explained my options very clearly and suggested a realistic payment plan. Not aggressive, or judgemental, just practical and sensible.
Helped me to set up monthly payments that will resolve the debt.

Absolutely outstanding Customer Services.

Spoke to wonderful representative named Kai, he listened to everything I had to say,he understood the issues I have both financially and medically I felt completely at ease with him.
I've spoken to moorcroft representatives before and found them all to be knowledgeable about issues people face and they have all treated me with respect.
I even told one representative that their customer service department need to give lessons to other companies, in how to treat people..

The lady was very kind and understand my situation!

So I understand as a debt company, the reviews will never be positive, but I just need to outline how ridiculous this website is. The only way for you to access your account online is by having the Moorcroft reference number, even though there's supposed to be a secure portal that you can register using your email and password. When you go back to log in, you cannot log in using your email and password you just used to create the account. You can only use the Moorcroft reference number. Now, I don't know about you, but 90% of the times, most people will not have access to their Moorcroft reference number because they'll use it once to set up the account and never again. What's the point of asking for your email and password if you are unable to log in using this?

Really helpful and friendly. I was very worried about arranging a payment plan but it was very simple with no judgement.

Moorcroft are a brilliant company they listen to what you have to tell them with no problems at all