Moorcroft Debt Recovery - password-protected documents, etc?

I'm dealing with Moorcroft with regard to a PayPal "debt" that I'm disputing.
There are long delays. I've replied to every one of their communications the very day I've received them but it takes them 1+ weeks.
Most frustratingly, they insist on sending password-protected documents. The password is apparently my date of birth which it obviously isn't. Each time I tell them the password is incorrect and I can't get into the file and each time they reply with another password-protected document. They've done this 6 or 7 times now.
I've had two letters in the post which obviously doesn't correspond to the number of password-protected documents I've received. These letters are virtually identical and just ask for information I've now provided at least 3 times.
I just can't understand what they're doing at all. Is it some kind of tactic? It seems totally pointless to me. 


  • fw7
    fw7 Posts: 8
    First Anniversary First Post
    I've just received the same letter again. I'd really appreciate some advice if possible.
  • Ebe_Scrooge
    Ebe_Scrooge Posts: 7,320
    Name Dropper First Anniversary Combo Breaker First Post
    Have you tried phoning them up and speaking to them?  It can often get things resolved a lot quicker than email ping-pong.
  • sourcrates
    sourcrates Posts: 28,537
    First Anniversary Name Dropper First Post Photogenic
    Moorcroft collect debts on behalf of client banks, so they are mainly just a collector.

    If they are unsuccessful at getting payment from you, they will simply return the account back to the original client.

    The OC will then either, pass the debt to another collector to chase up, or possibly sell the debt onwards.

    So going forward there will be plenty of opportunity to sort this out.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- The "provit letter" is here-
  • fw7
    fw7 Posts: 8
    First Anniversary First Post
    This was all sorted in the end. They stopped with the password-protected documents I couldn't open and a human wrote to me and asked me to make a report to Action Fraud. I did and I never heard from them or anyone else about it again, so I think that must be the end of it.
Meet your Ambassadors


  • All Categories
  • 341.8K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449.2K Spending & Discounts
  • 233.9K Work, Benefits & Business
  • 606.1K Mortgages, Homes & Bills
  • 172.5K Life & Family
  • 246.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards