Moorcroft Debt Recovery Limited (MDRL) an established debt collection agency who is based in Stockport in Cheshire but operate throughout the UK. They purchase debts from banks, mobile phone, internet suppliers and companies who provide credit. If you fall into arrears or fail to maintain your payment plan, they will take steps to recover the debt, such as sending in one of their recovery agents.
What Do Moorcroft Debt Recovery Do?
Moorcroft Debt Recovery claim to be one of the UK’s biggest Debt Collection Agencies. They are authorised and regulated by the Financial Conduct Authority for accounts that have been created under the Consumer Credit Act of 1974.
They specialise in collecting payments of debts owed by either individuals or businesses. They will buy and collect other companies debt, which may be one of the reasons why many people don’t initially recognise who they are. They will bulk buy and attempt to recover what debts off finance companies. They work with Her Majesty’s Revenue and Customs (HMRC) and attempt to recover Self Assessment Debts on behalf of HMRC. They also will attempt to collect Tax Credits Overpayments.
They also work on behalf of Utility Companies such as United Utilities, Virgin, NPower, BT, O2 or any other mobile phone network, Scottish Power to name but a few. If you have been contacted by them, chances are they are calling or writing to you you because you owe them money.
Can Moorcroft Debt Recovery Send Bailiffs to My House?
In some cases, if court action has been taken and your debts are still due then the courts may appoint Bailiffs to recover property and assets to the value of the debt.
Can Moorcroft Agents Break into My House?
The chances of Debt recovery agents being able to enter your property are quite rare. They can only do this if a Liability Order has been issued against you by a magistrate on behalf of the local authority. If you are a business then there would need to be an unpaid fine from a Magistrate, County Court or High Court.
It is the law that enforcement agencies are only able to enter a property if they have been inside the property before. They are then able to use what is known as ‘reasonable force’ to re-enter. This could involve the use of a Locksmith to help them gain entry. They can only try and gain entry during the hours of 6am to 9pm.
What Can Moorcroft Debt Recovery Take?
There are restrictions on what can be removed from your property by bailiffs. If you have given them entry of they have gained entry by other means, then they can remove what is known as ‘Walking Possessions’. These are those which are subject to ‘Taking Control of Goods Regulations’. They will make an inventory of any of those possessions in your home and estimate the current value. You can enter into a ‘Controlled Goods Agreement’ with them which will give you time to pay the outstanding debt.
If you fail to pay them, then they can return to your property and remove items. There are certain items which they cannot take. These include essential items such as bedding, refrigerators, medical equipment, cookers and other items.