This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
You may be wondering, who sent me PO Box 17 Stockport SK1 4AJ letter to my home address? If so, you’re not the only person to get a letter like this!
Letters with this return address look official, but the address is unfamiliar so it can get you wondering. Fear not, I explain who might send these to you and what you should do when you get one!
Do you have to pay Moorcroft Debt Recovery?
You might not have to pay Moorcroft Debt Recovery.
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.
This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
Who uses the PO Box 17 Stockport SK1 4AJ address?
The PO Box 17 Stockport SK1 4AJ address is used by several businesses, one of which is Moorcroft Debt Recovery! It’s a Cheshire-based debt collection agency. So when you get a letter from the address, the chances are it’s from Moorcroft!
That said, other companies and individuals use the address which I’ve listed below:
Larger organisations that have numerous branches
Smaller companies and businesses that don’t want to use a home address to receive business mail
Private individuals which include Expats
Should you ignore a letter from PO Box 17 Stockport SK1 4AJ?
No. Although it’s really tempting to just bin the letter because you don’t recognise the return address, you shouldn’t ignore it! It’s a wiser and better move to open the letter. Then contact the sender to see if they’re legit.
In short, don’t phone any contact details in the letter. Instead, Google the sender and use their online contact information.
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.
What should you do if it’s from a debt collection agency?
If the letter is from a debt collection agency, don’t ignore things. Even when you know you don’t owe any money!
You should contact the debt collector by using their online contact details and ask them to ‘prove the debt is yours!’
Don’t just accept their word for it.
Debt collectors must provide you with written proof that you owe the money. Moreover, the proof must be authenticated. When a debt collector can’t prove you owe the money, they can force you to pay!
What if the letter is addressed to someone else?
Send the letter back to the sender if the PO Box 17 Stockport SK1 4A debt letter is not addressed to you personally. Cross out your address and simply write across it, ‘not known at this address’.
Then post it back to the sender by registered post to make sure it gets there. Or you could use the Royal Mail’s free service.
Look what happened to one unfortunate person who kept receiving letters from the debt collector:
No. Debt Collectors can legally contact you about an alleged debt. That said, you can write to them and ask them to contact you at specific times and in specific ways.
So, if you prefer for them to call you by phone at certain times, debt collectors must respect your wishes. If they continue to contact you regardless of your request, it would be seen as harassing you which is against the law!
What happens when the debt is yours?
You should contact the debt collection agency if the PO Box 17 Stockport SK1 4AJ letter is about the money you owe. Ask them to prove the debt is yours. Then check if the debt is statute-barred!
If a debt is at least 6 years old and it meets specific criteria, you can be made to pay it. In short, a statute-barred debt is unenforceable. Debt collectors can ask you to pay, but you can refuse.
Moreover, courts won’t issue a County Court Judgement (CCJ) on statute-barred debts. Although the debt is unenforceable, it doesn’t go away and could still impact your credit rating!
The following must apply for a debt to be statute barred:
You didn’t pay anything towards paying off the debt in the last six years
You never admitted owing the money in the last six years
There’s no existing legal action relating to the debt or CCJ against you
A debt is deemed statute barred if any of the above applies to a debt. So, if the letter from PO Box 17 Stockport SK1 4AJ relates to a debt from Moorcroft Debt Recovery, you can’t be made to pay!
Moorcroft House, 2 Spring Gardens, Stockport. SK1 4AA
What debt help is there?
You should reach out to one of the debt charities if you’re struggling with debt. Don’t try to cope on your own. Moreover, charities offer free, impartial debt advice which could prove invaluable when you’re contacted by Moorcroft!
I’ve listed three of the major debt charities here:
Lastly, who sent me PO Box 17 Stockport SK1 4AJ debt letter?
Chances are the debt letter is from Mackenzie Hall, the debt collection agency. They use this return address for much of their mail. However, you should open the letter to confirm what it’s about.
Then contact the sender and ask them to prove the debt is yours. Next, check if the debt is statute-barred and if it is, write to the sender and tell them!
If, however, the letter is addressed to someone else but sent to your address, send it back to the sender. Cross out the person’s name and simply write ‘not known at this address’ across the envelope.
That should stop the sender from sending more debt letters. You may get another letter from Mackenzie Hall asking for more details. You have no legal obligation to tell them anything.
But you could send proof you’re not the person they are chasing to get them off your back! If they continue to contact you, file a complaint with their head office and then complain to the Financial Ombudsman Service!
Thanks for reading my post. I hope the information helps answer the question of who sent me PO Box 17 Stockport SK1 4AJ debt letter and how to deal with it!
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to beat Moorcroft Debt Recovery 