I received from Moorcroft a letter saying that I owe close to £1500 to BT!!!
I don't even know how that is possible, especially since I am using virgin for ages. My last BT contract was closed in August 2013.
Shall I just ignore their letter? What else should I do?
Thanks for your help!
Perhaps slightly over the limits for a small claims issue.
A quick visit to your solicitors and a telephone call from them could fix the issue. Might cost you £10 or so.
Otherwise you should take your time and wait until the “Moorcroft” become more insistent and substantiate their claim.
Hi @Chris37 I would follow the advise given on the Moorcroft website “You should contact Moorcroft as soon as possible. If you have a query in relation to your account, please let us know and we will refer to our clients on your behalf where necessary.”.
If this is in fact a debt from 2013 for which you have no knowledge and have had no previous communication for more than six years then I believe it would be classed as 'Statute Barred' and consequentially not enforceable. I wouldn't ignore it though, if you contact Moorcroft its probably best not to reference any previous contracts with BT, but rather ask them to elaborate on the details of this claim.
This could perhaps just be a phishing exercise?
Moorcroft purchases outstanding debts from other companies for a discounted rate and then uses its own staff to chase payment for these debts.
What I would suggest, is to carry out a free credit check of yourself. As far as I know, any unpaid BT bills would affect your credit rating. You wouldn't want an erroneous black mark on your report.
As pointed out, 6 years is allowed before utility type bills must be written off.
Hope all goes well.
You may also wish to contact your local Citizens Advice office for advice/information.
Most are currently contactable by phone/e-mail due to COVID-19
There are 3 different credit agencies that you need to check, and as said after 6 years the debt is statue bared, but that 6 years could be complicated if they waited sometime before adding a default.
it might well be a phishing exercise from Moorcroft and they’ve written to everyone with a similar name to the owner of the debt.
There is a good forum run by Martin Lewis (moneysavingexpert.com) that has a section devoted to this sort of thing.
thanks for all the feedback. I checked my credit score and it is 932. Does that help inform what I should do?