Should I Ignore Moriarty Law CCJ for Debt?

If you’re asking the question, “should I ignore Moriarty Law CCJ for a debt you incurred”, and what are the consequences when you do? This post could help you decide whether it’s worth the risk or not.

I’ll explain what happens when you don’t respond to a debt letter and what could happen in my post. Want to find out more? Then check out the paragraphs below!

Do you have to pay Moriarty Law?

You might not have to pay Moriarty Law.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Is Moriarty Law a debt collection company?

Yes. Moriarty Law is a debt recovery company which also operates as a Legal Practice. The law firm is authorised and regulated by the Solicitors Regulation Authority (SRA).

Their offices are based in London at the Old Bailey and all their details can be found on the Companies House website which includes their company registration number.

Is the debt collection agency regulated?

Yes. Moriarty Law is authorised to operate as a recovery company by the Financial Conduct Authority (FCA). The company is, therefore, required to act in accordance with FCA rules when collecting debts.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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What do Moriarty Law Specialise in?

Moriarty Law specialises in pre-litigation services as well as legal recoveries and enforcement for its clients. The law firm is well placed when it comes to knowing when to take a debtor to court or not!

Who Uses Moriarty law to recover debts?

Several organisations and authorities use Moriarty law to recover debts they’re owed. For example, the law firm could chase you for:

• Council tax debts
• Gas and electricity debts
• Mobile phone debts
• Catalogue debts
• Loan defaults

Why would Moriarty Law contact you?

If you fell behind with any payments to a Moriarty client, chances are they sent your details to the debt recovery company.

It typically happens when a company tries to get hold of you but fails! They then instruct Moriarty to take over chasing you for payment!

When you let it get to this stage, you’d no longer deal with the company you owe any money to. You’d have to deal with the debt recovery company instead which can be a lot more stressful.

Will Moriarty Law take you to court?

Moriarty Law acts on behalf of its customers. But they provide pre-litigation services. In short, it means they are well placed when it comes to advising a client on whether it’s worth taking you to court.

Instructing Moriarty debt collection to recover the outstanding prevents your account from moving to their legal department!

That said, Moriarty Law claims to treat you fairly by fully complying with all “Pre-action Protocols” linked to debt claims. This means you’d get a Letter Before Action (LBA) before the court action begins!

Moriarty also claims to use litigation as the last resort.

Would you get a CCJ on your credit file?

Yes. If you ignore a Letter Before Action and you don’t attend a court hearing, the judge will issue a CCJ against you.

It will negatively impact your ability to borrow money or get a bank loan or credit card. It could prevent you from getting a mortgage too!

Does Moriarty Law collect unsecured debts?

Yes. If you’ve defaulted or missed a payment on a catalogue purchase, the creditor could pass your account onto Moriarty Law.

You’d get a letter, email, text or phone call from Moriarty Law asking for payment which you should respond to. 

Should you respond to a letter from a debt collection agency?

Yes. It’s always a good idea to respond to a letter from a debt collection agency. Even when you know the debt isn’t yours or it’s too old to enforce.

You should write to Moriarty explaining they’re chasing the wrong person or inform them the debt is too old to enforce. However, do your research first and make sure you don’t owe the money and that the debt can’t be enforced through the courts!

What happens when you ignore a debt letter?

Whether the debt is yours or not, you shouldn’t ignore letters from debt collection agencies. It’s very tempting to just bin the letters but it won’t help resolve the problem.

Nor will binning debt letters stop Moriarty from contacting you. In short, the problem doesn’t go away. If anything, it just gets a lot more stressful. You’d get more letters, phone calls, texts and emails.

A Moriarty field agent could pay you a visit at your home!

Ignoring things also means you miss out on establishing important things like:

• Is the debt statute-barred?
• Do you owe the money or is the debt collection agency pursuing the wrong person?

Is the debt too old to enforce through the courts?

Some debts are too old to enforce through the courts. However, for a debt to be statute barred, it must meet specific criteria. 

So, make sure you do the necessary research before you tell them to stop contacting you over a statute-barred debt. You may want to seek advice from one of the debt charities or an independent debt management company first!

When is a debt statute-barred?

A debt becomes statute barred when it falls under the Limitations Act. Courts won’t hear cases that are:

• Six or more years old, and
• No one admitted owing the money in those six years, and
• Nobody paid any money towards settling the debt in six years, and
• There’s no County Court Judgment issued against the debt

You can be forced to pay a statute barred debt, nor can you get a County Court Judgment (CCJ) registered on your credit file! It’d seriously harm your credit rating

Is the debt yours?

You’d be surprised at how many mistakes happen when debt collectors chase people for payments. Maybe you share a similar name as the real debtor.

Or maybe the debt collection agency has sent out lots of letters to different people in the hope of finding the real debtor.

Whatever the reason, mistakes happen and the debt might not be yours. If so, write to Moriarty Law asking them to ‘prove’ you owe the money.

Moriarty Law has an obligation to prove you owe the money, not the other way around! Don’t just accept their word for it. Instead, ask them to send you an authenticated copy of an agreement or contract you had with the creditor!

Don’t sign the letter, instead, just print your name at the bottom of it.

That said, they may have already sent the proof to you in an original letter. But if they didn’t, you have every right to send them a ‘prove the debt’ letter.

Moreover, they must respond in a timely manner and put everything on hold until they’ve produced authenticated proof!

Check out what happened to one person that Moriarty Law contacted about an alleged debt:

Source: Moneysavingexpert

What happens if Moriarty can’t prove the debt?

If a debt collection company like Moriarty can’t prove you owe the money, they can’t enforce payment. If Moriarty’s client takes you to court, a judge needs to see proof the debt is yours.

When there’s no proof, the debt can’t be enforced and therefore, you can’t be made to pay!

What if the debt is proven to be yours?

If Moriarty Law proves you owe money to one of their customers, that’s it. You’ll have to pay.

However, it is always wise to seek independent debt advice before admitting, signing or paying any money first!

What happens when you ignore a Letter Before Action?

You shouldn’t ignore a Letter Before Action you get from Moriarty Law. They may just be threatening legal action to scare you into paying.

That said, it may not just be an idle threat. More especially as Moriarty Law provides its customers with pre-litigation services!

What can debt collectors legally do?

All debt collection agencies in the UK must respect specific laws that protect you. It means there are actions they can take, and there are things they cannot do.

For example, a debt recovery company has the right to:

• Contact you about an alleged debt you owe one of its customers
• Discuss the debt with you discreetly, showing empathy for your personal circumstances
• Ask you to pay them directly rather than their customer (the company or authority you owe money to)

You can’t prevent a Moriarty Law Limited from doing any of the above.

What can’t a debt collection agency do?

As mentioned, there are things that debt recovery companies can do and things they cannot.

For instance, a debt recovery company cannot do any of the following:

• Force their way into your property
• Visit you at the place you work
• Discuss an alleged debt with your employer, friends, neighbours, or a family member
• Infer their powers are the same as those of court-appointed enforcement officers, previously called bailiffs
• Show you documents and other papers that look like a court has issued them
• Clamp vehicles or seize possessions
• Use legal jargon to confuse you
• Urge you to borrow more money to settle what you allegedly owe
• Harass or threaten you

Can a debt collection agent come to your home?

Yes. A debt collection agent has the right to pay you a visit at your home. However, they can’t just turn up. They must give you a prior warning before they show up.

That said, field agents only visit you at home when all other methods of contacting you have failed.

Also worth noting, is if you do get a visit from a debt collector, you can ask them to leave your property. What’s more, they must leave when you ask them to!

Can you prevent Moriarty Law Limited from contacting you?

No. You can’t prevent Moriarty Law Limited from contacting you over an alleged debt. However, you can dictate when and how you want to be contacted.

Moreover, they must respect this request!

For example, if you say that you only want to receive letters from them, Moriarty Law must comply!

If they continue to send you emails, and texts and you receive lots of phone calls, it could be seen as harassing behaviour. It’s against the law for a debt collector to harass you!

Would Moriarty Law agree on a payment plan?

Yes. Moriarty Law could agree on a payment plan with you to settle the debt. However, you should talk to an independent debt adviser before you attempt to negotiate a plan with them.

You need to set a repayment schedule you can afford and which won’t put too much pressure on your daily life.

Also, once a payment plan is accepted and the payment dates are agreed upon, you must be able to meet them. If you default on any payments, the agreement could be null and void.

You’d be right back where you started and could be asked to repay the full amount!

What about a full and final settlement?

Again, you should seek advice from an independent debt adviser if you’re thinking about offering a full and final settlement.

An adviser can work out how much Moriarty Law may accept and whether it’s a worthwhile move. However, debt collection companies that recover debts on behalf of their customers have their hands tied.

In short, it could be up to the original creditor whether or not to accept your full and final settlement offer.

What’s a fair full and final settlement offer?

Most debt collection agencies will consider an offer that’s in the region of 75% of the amount outstanding.

For example, if you owe £2,000, you could offer to pay £1,500 in full and final settlement to clear the amount owed.

However, Moriarty Law acts on behalf of its customers and may refer the offer back to them before accepting it.

It’s also worth noting that debt collectors are not obliged to accept an offer from you. It’s at their discretion to accept it or not.

What debt solutions are there?

There are various debt solutions available which could stop the debt collector from pursuing you for payment.

As mentioned, if the debt is proven to be yours, but you just can’t afford to pay, Moriarty Law should consider agreeing to a repayment schedule.

You might find that a debt could be written off altogether if you choose a debt solution that allows it. However, make sure you get independent debt advice before you agree to any sort of debt solution.

Choosing the wrong one could make your financial situation even worse!

Could you lose your house over a Moriarty Law debt?

No. Most debts that Moriarty Law takes on for their customers involve unsecured debts. In short, the money owed is not secured against your property!

However, if you’re taken to court and the judge issues a Court Order to pay and you don’t, you’d get a visit from a bailiff. Enforcement officers must let you know when they intend on coming to visit you.

They can’t just turn up which is why it’s never a good idea to ignore any letters from them.

They could seize some of your possessions to recover the amount owed! A court would issue an attachment on your earnings or bank account which could be extremely stressful.

Moreover, you’d have a CCJ recorded on your credit history. You’d have trouble getting a bank loan, credit card or mortgage for six years until the CCJ expires!

How do you contact Moriarty Law?

I’ve listed ways to contact Moriarty Law if you get a debt letter from them in the table below:

Do debt collectors give up chasing you?

No. Debt collectors are renowned for being persistent. Moreover, today they have tools that help them track debtors down even if they’ve moved several times.

That said, some debt recovery companies resort to using questionable methods to trace people which includes sending lots of emails to different people. It’s a tactic known as phishing!

They use this and other methods in the hope of finding the right person even though it causes lots of stress and anxiety to other people!

Can you complain about Moriarty Law?

Yes. It’s your right to file a complaint against a debt recovery company if you feel they acted unlawfully in any way.

However, you should complain to Moriarty Law first. Give them the chance to put things right. If you still feel they are not dealing with your complaint appropriately, you can then report the debt collector to the Financial Ombudsman Service (FOS).

Is there any free debt advice available?

Yes. Fortunately, you can get free debt advice in the UK from one of the leading charities. I’ve put together a list of five of them below:

• StepChange
• Advice Direct Scotland
• Citizens Advice
• National Debtline
• Money Advice Scotland

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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Lastly, should you ignore Moriarty Law CCJ for debt?

You shouldn’t ignore Moriarty Law when they get in touch. Binning correspondence from debt collectors is never a good idea. First, you may not find out the debt is statute-barred.

Moreover, Moriarty Law may have got a judgement against the wrong person!

A CCJ on your credit file will harm your ability to borrow for six years because that’s how long it remains on the report. In short, your credit rating will suffer.

It’s better to stay in touch with Moriarty Law and negotiate a payment plan if the debt is yours. One that’s affordable and could settle the debt once and for all.

Thanks for taking the time to read my post. I hope the information helps you decide what to do when you get a letter about debt from Moriarty Law!