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Lender Details›Moorcroft Debt Recovery Limited
Debt Collector

Moorcroft Debt Recovery Limited

Also known as: Moorcroft Debt Recovery; Moorcroft

Moorcroft Debt Recovery Limited is a UK debt collection agency. Unlike debt purchasers, Moorcroft typically collects debts on behalf of the original creditor or another company that owns the debt, rather than buying the debt itself. This means the company that owns the debt may still be the original lender or a debt purchaser that has hired Moorcroft to collect.

If you receive a letter from Moorcroft, it means a company they are acting for is trying to recover a debt from you. The letter should tell you which original creditor the debt relates to. You have the right to ask Moorcroft for written details of the debt, including the original account number and the amount claimed.

Moorcroft is regulated by the Financial Conduct Authority and must follow FCA rules on how it communicates with and treats customers. They must not use misleading, aggressive, or threatening language. If you feel you are being treated unfairly, you can complain to Moorcroft directly and, if not resolved, to the Financial Ombudsman Service.

If you believe you do not owe the debt, or that the amount is wrong, you can dispute it. Moorcroft must pass any dispute back to the company they are collecting for. Citizens Advice and National Debtline can help you navigate this process for free.

If you owe the debt and cannot pay the full amount, it may be possible to set up an affordable payment plan. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. Always seek free advice before agreeing to any payment arrangement.

Quick summary

Company typeDebt Collector
Trading namesMoorcroft Debt Recovery; Moorcroft
FCA Firm Ref (FRN)714738
FCA statusAuthorised
Companies House no.01703704
Company statusActive
Parent companyPrivately held (Moorcroft Group)
Official websitehttps://www.mdrl.co.uk ↗
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

StepChange Debt Charity0800 138 1111National Debtline0808 808 4000Citizens Advice0800 144 8848MoneyHelper0800 138 7777

Why someone might search for Moorcroft Debt Recovery Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact Moorcroft Debt Recovery Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

Websitehttps://www.mdrl.co.uk ↗
PhoneNot verified
EmailNot verified
Registered address2 Spring Gardens, Stockport, SK1 4AA

Always use contact details from Moorcroft Debt Recovery Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number714738
FCA statusAuthorised
Companies House number01703704
Company statusActive
Parent companyPrivately held (Moorcroft Group)
Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm↗Companies House — company records↗Financial Ombudsman Service — complaints↗MoneyHelper — free money guidance↗StepChange — free debt advice↗National Debtline — free debt advice↗Citizens Advice — free advice

What they do

Main products and services

Debt collection (third-party, on behalf of creditors); Debt tracing; Field collections

Trading names and group notes

Independent, privately held UK debt collection business based in Stockport.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

Not verified (page shows ~299 reviews; overall score not confirmed)

~299 reviews

Overall public sentiment

Mixed. Positive reviews note non-judgmental approach and fair repayment plans. Negative reviews allege FCA-non-compliant demand letter timelines (3-day response demanded vs 30 days required) and failure to provide debt breakdowns.

Review sources

https://uk.trustpilot.com/review/www.mdrl.co.uk ↗

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

StepChange — free debt advice ↗National Debtline ↗

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

Explore Ask Fin — £4.99/month

Related Ask Fin tools

My Monthly BudgetExplore →Financial Leak DetectorExplore →UK Benefits CheckerExplore →Money FinderExplore →

General guidance tools only. Not regulated advice.

Common questions about Moorcroft Debt Recovery Limited

Why has Moorcroft Debt Recovery Limited contacted me?+
Moorcroft Debt Recovery Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does Moorcroft Debt Recovery Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask Moorcroft Debt Recovery Limited to confirm this in writing, along with the name of the original creditor.
Can I ask Moorcroft Debt Recovery Limited for proof of the debt?+
You may ask Moorcroft Debt Recovery Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from Moorcroft Debt Recovery Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can Moorcroft Debt Recovery Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can Moorcroft Debt Recovery Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideWhat to do if a debt collector contacts youRead →GuideDebt collector vs debt purchaser — what is the difference?Read →GuideHow to ask for proof of a debtRead →GuideHow to complain about a debt collectorRead →GuideFree debt help in the UKRead →GuideWhat is a debt collector?Read →GuideHow to deal with a debt collector letterRead →

Sources and date checks

Source URLs used in preparing this record

https://find-and-update.company-information.service.gov.uk/company/01703704 ↗https://register.fca.org.uk/s/firm?id=001b0000019wqucAAA ↗https://www.mdrl.co.uk ↗

Date checked

2026-06-05

Next review due

Periodic review

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