PO Box 17 Stockport SK1 4AJ is a correspondence address used by Moorcroft Debt Recovery Limited, a UK debt collection company. Moorcroft publishes the address in its own privacy policy. If it appears on a letter you have received, check the sender and account details before paying: a recognised business address does not establish that every letter is genuine or that the claimed debt is yours.
| Detail | Verified information |
|---|---|
| Associated company | Moorcroft Debt Recovery Limited |
| Business activity | Debt collection |
| Published correspondence address | PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport, SK1 4AJ |
| Registered office | Moorcroft House, No. 2 Spring Gardens, Stockport, SK1 4AA |
| Company number | 01703704 |
| Companies House status | Active |
The correspondence address comes from Moorcroft’s privacy policy; the registered office, company number and status are recorded by Companies House.
Why Is Moorcroft Writing to You?
Moorcroft describes itself as a debt collection agency. Its work includes contacting customers and discussing accounts that require repayment. Depending on the arrangement, a debt collector may act for the original creditor or collect an account it owns, so the letter should be checked for the creditor’s identity and Moorcroft’s role. Do not assume that the company sending the letter is the business you originally owed.
The most useful information is the original creditor’s name, the account reference and the balance being claimed. Compare those details with your own bills, statements and payment records. A familiar creditor name helps you identify the account, but it does not confirm that the amount is accurate.
If you cannot connect the letter to an account, ask for an explanation. There is a practical difference between recognising a creditor, accepting a balance and agreeing to a repayment arrangement. Resolve the first two before deciding on the third.
Why Do SK1 4AJ and SK1 4AA Both Appear?
Moorcroft’s published information uses SK1 4AJ for its PO Box correspondence address, while Companies House records SK1 4AA for its registered office at Moorcroft House, No. 2 Spring Gardens. These are different address formats associated with the same company. The postcode difference alone is therefore not evidence that a letter is fraudulent.
For correspondence, check the address specified for the relevant purpose on Moorcroft’s official website. A registered office entry identifies the company’s legal address; it does not necessarily tell you which department should receive an account query.
How to Check a Letter from PO Box 17 Stockport SK1 4AJ
Verify the company and the debt separately. Confirming that Moorcroft exists answers who the business is. It does not resolve whether a particular demand is authentic, correctly addressed or accurate.
Before making a payment:
- Check the recipient’s name. Establish whether the letter is actually addressed to you.
- Identify the original creditor. Compare it with organisations you have held accounts with.
- Review the balance. Look for payments, credits or adjustments that may be missing.
- Keep the references. Retain the Moorcroft reference and any original account number.
- Contact the company independently. Navigate to Moorcroft’s official website yourself to obtain contact information.
If you recognise the creditor but are uncertain about Moorcroft’s involvement, contact the creditor using details from an existing statement or its official website. StepChange recommends contacting the organisation you owe to establish who owns the debt and who should receive payments.
Keep copies of the letter and your replies. After a telephone conversation, record the date, the information discussed and any agreed next step. This gives you a clear record if the balance or arrangement is later disputed.
What If the Debt Is Wrong or Does Not Belong to You?
Explain the specific problem in writing. You might dispute the identity of the borrower, believe the account has already been settled or disagree with the balance. Ask Moorcroft to provide the original creditor’s details, a breakdown of the amount and information showing why it believes you are responsible.
For debts covered by the relevant FCA consumer credit rules, firms must pause recovery when a customer raises valid or potentially valid grounds for dispute. They must investigate and provide details promptly. Where the dispute concerns identity or the amount owed, the responsibility lies with the firm to establish those facts.
State why you dispute the debt, rather than simply saying that you refuse to pay. Include useful evidence, such as a payment confirmation, while keeping the originals. Ask for a written response explaining the investigation’s outcome. The precise rules and remedies depend on the type of account, so seek debt advice if the position remains unclear.
What If You Owe the Money but Cannot Afford Payment?
Once the account and balance are confirmed, consider what you can realistically afford. Prepare a budget that includes essential living costs and your other commitments. An offer based on that budget is more useful than a payment promise you cannot maintain.
Moorcroft says it takes customer circumstances into account and offers a flexible approach to collection. For accounts covered by the relevant FCA rules, a firm must give due consideration to a reasonable repayment offer and explain why it rejects one. That does not guarantee acceptance of every proposal.
If you are unsure how to balance this debt with other bills, MoneyHelper’s Debt Advice Locator can help you find free, confidential debt advice. An adviser can assess the wider situation before you commit to repayments.
Does a Moorcroft Letter Mean Bailiffs or Court Action?
A collection letter does not itself mean that bailiffs are authorised to visit. In England and Wales, ordinary debt collectors have no special enforcement powers. StepChange explains that they cannot take belongings, force payment or require you to let them into your home.
Moorcroft lists written and telephone collection, personal visits and county court litigation among its recovery methods. Its website says litigation may be considered when other recovery routes have failed. Those possibilities should not be confused with a court judgment already having been made.
Read the document to establish what stage it describes. If you receive actual court papers, seek advice promptly and follow the stated response instructions.
How to Raise a Complaint About Moorcroft
If your concern involves an incorrect balance, unresolved dispute or how your account has been handled, set out the issue clearly. Include the account reference, relevant dates, copies of supporting correspondence and the outcome you want.
Moorcroft publishes customerrelations@moorgroup.com as a complaints email address. Its privacy policy also explains rights to access personal information and request corrections. A data request and a complaint about the debt serve different purposes, so make your request explicit.
FAQs
Does the address prove that a payment request is genuine?
No. Official records establish the address’s association with Moorcroft, but an address can be copied. Check the account details and contact the company independently before sending money or sensitive information.
Must I pay the full balance immediately?
First establish whether the debt and balance are correct. If they are confirmed but you cannot afford full payment, discuss a realistic arrangement and seek free debt advice. Relevant FCA rules require reasonable repayment offers to receive due consideration.
Can a Moorcroft doorstep collector take my belongings?
An ordinary debt collector cannot take belongings from your home. In England and Wales, you do not have to let the collector inside, and they must leave if asked. Enforcement agents have different powers.
What if Moorcroft has the wrong person?
Tell the company that you dispute being responsible and ask it to investigate. For accounts covered by the relevant FCA rules, the firm must establish that it is pursuing the correct person when identity is disputed.
Conclusion
PO Box 17 Stockport SK1 4AJ is an established Moorcroft correspondence address. The next step is to check the particular account: identify the creditor, verify the balance and raise any discrepancy clearly. If the debt is confirmed, base repayment discussions on what you can afford and obtain free advice where needed.
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