PO Box 17 Stockport SK1 4AJ: Who Sent It and How To Reply
PO Box 17 Stockport SK1 4AJ is a Stockport postal address used by Moorcroft Debt Recovery Limited, an FCA-authorised debt collection agency.
For those wondering exactly what Is a PO Box, it is a dedicated postal service used by many businesses to securely handle high volumes of mail. The PO Box uses postcode SK1 4AJ, while the company’s registered office, Moorcroft House, uses SK1 4AA. Details were checked against official sources on 28 October 2026.
Sources checked: Companies House, the Information Commissioner’s Office register and Moorcroft’s own website.
Key takeaways
- PO Box 17 Stockport SK1 4AJ is used by Moorcroft Debt Recovery Limited, company number 01703704, as its postal address.
- Moorcroft’s official contact page lists 0330 123 9765 for customers; other published numbers differ.
- A letter alone does not prove a debt is yours, so check the creditor and reference before paying.
Who Is Behind PO Box 17 Stockport SK1 4AJ?
Moorcroft Debt Recovery Limited is the company behind PO Box 17 Stockport SK1 4AJ. Its privacy policy gives PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport, SK1 4AJ as the address of its offices, which makes the PO Box its postal (correspondence) address.
On the public record, Moorcroft is a legitimate debt collection agency: a registered company, authorised and regulated by the FCA. Its website describes consumer and commercial debt collection services for clients across key financial sectors.
- Company: Moorcroft Debt Recovery Limited, an active private limited company incorporated on 2 March 1983
- Company number: 01703704, listed on Companies House
- Postal address: PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport, SK1 4AJ
- Registered office: Moorcroft House, 2 Spring Gardens, Stockport, SK1 4AA
- Regulator: the FCA, according to Moorcroft’s website
Two records therefore describe the same building: the privacy policy supplies the PO Box, and Companies House supplies the registered office. Once the sender is known, the next question is why the letter arrived.
Who Does Moorcroft Collect For, and Why Did a Letter Reach You?
A letter from PO Box 17 Stockport SK1 4AJ means Moorcroft has been asked to contact someone about an account. Moorcroft can act on behalf of a creditor.
Its privacy policy says it is sometimes a data processor working to a lender’s instructions, and published Financial Ombudsman Service decisions describe Moorcroft collecting accounts on behalf of lenders or card providers.
The Credit Services Association lists debt purchase among Moorcroft’s services, so the creditor named on the letter is the fact to check. A letter may arrive for one of these reasons:
- A creditor has passed an overdue account in the recipient’s name to Moorcroft.
- A name or address was matched in error. Published Financial Ombudsman Service decisions include complaints from people who said a debt did not belong to them.
- A previous occupier’s account is linked to the address, a case Moorcroft’s contact page covers with an Occupier Query form.
- A business account has been passed to collection. NatWest Business names Moorcroft Debt Recovery on its support page for business accounts that reach that stage.
In every case, check the sender before replying.
Is the Letter Genuine? Check These Records and Signs
How to check a debt letter is genuine comes down to matching the sender, the creditor and the contact details against official records.
Which Record Shows Which Address
| Record | Address shown | Postcode | What it confirms |
|---|---|---|---|
| Moorcroft privacy policy | PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport | SK1 4AJ | Postal address of Moorcroft Debt Recovery Limited |
| Companies House, company 01703704 | Moorcroft House, No.2 Spring Gardens, Stockport | SK1 4AA | Registered office of the company |
| Moorcroft website | Moorcroft House, 2 Spring Gardens, Stockport | SK1 4AA | Registered office, company number and FCA authorisation |
| Information Commissioner’s Office register, entry Z5351122 | Moorcroft House, No.2 Spring Gardens, Stockport | SK1 4AA | Data controller registration for Moorcroft Debt Recovery Limited |
| Companies House, company OC343810 | PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport | SK1 4AJ | Rodaman Limited Liability Partnership used the PO Box as its registered office until 10 December 2024 |
Four public records confirm who sits behind PO Box 17 Stockport SK1 4AJ: Companies House lists Moorcroft Debt Recovery Limited under company number 01703704, Moorcroft’s website states its FCA authorisation, the Information Commissioner’s Office register holds data controller entry Z5351122, and Moorcroft’s privacy policy names the PO Box as its postal address.
Both postcodes belong to Moorcroft House: SK1 4AJ is the postal address and SK1 4AA is the registered office. A mismatch between the two does not make a letter fake.
Companies House also shows that a limited liability partnership at Moorcroft House used the PO Box as its registered office until 10 December 2024, so the sender named on a letter matters more than the PO Box alone.
How to Spot a Moorcroft Debt Recovery Fake Letter
- Match the company name on the letter to Moorcroft Debt Recovery Limited, company number 01703704, on Companies House.
- Check the FCA Register for the firm’s authorisation.
- Compare any phone number on the letter with the number on Moorcroft’s official contact page.
- Confirm that the letter names a creditor and a reference that match your own records.
- Ignore payment links in unexpected texts or emails, and never share security codes or passwords.
Report a letter you believe is fake to the creditor it names and to Moorcroft through its official contact page. A letter that passes these checks still leaves a decision about the debt itself, and that depends on your situation.
What You Should Do Depends on Your Situation
These situations cover common reasons for receiving a letter from this address, and each calls for a different first step.
| Your situation | First step | Next step |
|---|---|---|
| You recognise the debt and the creditor | Check the balance against your own records | Call Moorcroft on its official number to agree a payment you can afford |
| You do not recognise the debt | Check the creditor and reference named on the letter | Request details of the debt in writing before paying anything |
| The letter is addressed to someone else | Do not share personal details or pay anything | Tell Moorcroft the person is not at the address, using its Occupier Query form |
| The letter names a company or a former director | Check whether the debt belongs to the company or to a person | Read the business section below |
| You suspect a fake Moorcroft letter or message | Do not click links or call numbers in the message | Run the five checks above and use the official phone number |
If more than one row fits, start with the earliest one that applies. Confirming who the debt belongs to comes before any discussion of payment.
How to Respond to a Letter From This Address, Step by Step
Respond in writing where appropriate, keep copies and do not ignore a letter from PO Box 17 Stockport.
- Check the name, address, creditor and reference on the letter against your own records.
- Confirm who the debt is owed to. Contact the original creditor if the letter names none, or names one you do not recognise.
- Request details of the debt in writing, often called a prove the debt request. Ask for the original creditor’s name, a breakdown of the balance and confirmation of Moorcroft’s authority to collect it.
- A collection letter does not by itself confirm that a debt is enforceable or still legally recoverable. If the debt is disputed, ask Moorcroft to explain its position in writing before agreeing to pay.
- Write to the sender and keep a record: copies of every letter, the date and time of each call, and the name of each member of staff.
- If the debt is yours but unaffordable, use the income and expenditure tool in Moorcroft’s online account to show what you can pay.
- Get free debt advice from MoneyHelper or National Debtline before agreeing to a payment plan. National Debtline provides free advice in England and Wales; readers elsewhere in the UK can use GOV.UK to find local free debt-advice services.
A short written request can follow this pattern, adapted to the circumstances:
Reference [number], letter dated [date]. Liability for this balance is not accepted. Please provide the name of the original creditor, a breakdown of how the balance was calculated and confirmation of the authority to collect it. Please pause collection activity while this request is reviewed.
Do not ignore the letter.
Silence gives Moorcroft no new information, so letters and calls can continue, and Moorcroft refers to field agents in its privacy policy and on its website. A collection letter is not a court judgment, but any court papers need a reply by the deadline printed on them.
PO Box 17 Stockport SK1 4AJ Contact Number and Official Contact Routes
The customer phone number on Moorcroft’s official contact page is 0330 123 9765. The same page lists the other routes in use.
- Phone: 0330 123 9765, Monday to Thursday 7:15am to 9pm, Friday 7:15am to 7pm, Saturday 8:30am to 4pm
- Online account: Sign in with the Moorcroft reference number to make offers of repayment, use the income & expenditure tool, set up Direct Debits and raise queries
- Occupier Query form: For anyone receiving letters meant for somebody else
- Post: PO Box 17, Moorcroft House, 2 Spring Gardens, Stockport, SK1 4AJ, the postal address in Moorcroft’s privacy policy
Other numbers circulate online. Moorcroft’s privacy policy lists 0161 475 2834, and NatWest Business gives 0345 268 0240 for its own customers. A number on a letter or in a text should match the official contact page before any personal details are shared.
When a Letter From PO Box 17 Stockport Reaches a Business
A letter sent to business premises may concern the company, a named individual or a former occupier. The correct response depends on who is named.
Liability for a business debt depends on the business structure, according to Companies House guidance. A sole trader has unlimited liability and is personally responsible for all of the business’s debts. In a standard partnership, all partners are fully responsible for the business’s debts.
Owners of a limited company are generally responsible for the company’s debts only up to the value of their financial investment.
Members of a limited liability partnership have limited liability, generally restricted to their investment in the business and any personal guarantees they have given. The current rules are set out on GOV.UK.
Check the agreement behind the debt for a personal guarantee, and check whether the letter names the company or a person. The answer to business or personal debt decides who should reply.
A business account passed to collection is a separate case. NatWest Business names Moorcroft Debt Recovery as a partner agency and says the agency holding the account is the right contact, not the bank.
What to Do if the Letter Is Not Addressed to You
A letter for a former tenant, previous occupier, director or employee does not by itself show that the current occupier owes anything.
- Do not pay anything or share personal details in reply.
- Use the Occupier Query form on Moorcroft’s contact page to say the named person is not at the address.
- Keep a copy of each letter and of the reply, and pass the details to the former tenant, director or employee if they can be reached.
Moorcroft’s own site provides the form for this purpose, so a reply through that route leaves a record.
How to Dispute a Debt or Complain About Moorcroft
Start by disputing the debt with Moorcroft. If the issue is how it was handled, make a formal complaint. If the response is unsatisfactory, escalate it to the Financial Ombudsman Service. State in writing which part of the debt is disputed and why, and keep a copy.
The Financial Ombudsman Service is free to use. It expects a formal complaint to the firm first, and it can take the case on if no final response arrives within eight weeks or the response is unsatisfactory.
For debt collecting, it lists complaints such as these: the person is not the one who owes the debt, the amount is wrong, contact is repeated, the person is in financial difficulty, or the debt is not enforceable. It cannot consider every debt type, for example council tax, utility bills, court fines or rent arrears.
Published Financial Ombudsman Service decisions about Moorcroft show mixed outcomes: some complaints have been upheld or partially upheld, while others have not been upheld. Each case turns on its own evidence.
Moorcroft’s privacy policy also gives rights to see personal data, to correct it and to object to its use, with a route to complain to the Information Commissioner’s Office.
A subject access request shows what information Moorcroft holds, but it is separate from a request to prove the debt. Where Moorcroft acts for a lender, the request may be referred to the lender.
FAQs
Who uses PO Box 17 Stockport SK1 4AJ?
Moorcroft Debt Recovery Limited, company number 01703704, uses it as its postal address, according to its privacy policy. Moorcroft Group Plc is also associated with the same PO Box in Moorcroft’s FAQ. Companies House shows that a limited liability partnership at Moorcroft House also used the PO Box until 10 December 2024, so the sender named on a letter should always be checked.
What is the PO Box 17 Stockport SK1 4AJ contact number?
The customer number on Moorcroft’s official contact page is 0330 123 9765, open Monday to Thursday 7:15am to 9pm, Friday 7:15am to 7pm and Saturday 8:30am to 4pm. Other numbers published online differ, so any number should be compared with that page before personal details are shared.
Is PO Box 17 Stockport SK1 4AJ genuine?
Yes, Moorcroft Debt Recovery Limited genuinely uses the address and states that it is authorised and regulated by the FCA. A genuine address does not prove that a particular debt is owed by the reader, so the creditor and reference need checking before any payment.
What happens if a Moorcroft letter is ignored?
The account stays open, and contact can continue by letter, by phone, and Moorcroft refers to field agents in its privacy policy and on its website. A collection letter is not a court judgment, but court papers need a reply by the deadline printed on them.
Conclusion
PO Box 17 Stockport SK1 4AJ is Moorcroft Debt Recovery Limited’s postal address, while Companies House places its registered office at SK1 4AA. A matching address does not confirm that the recipient owes the debt.
Check the creditor, respond in writing where appropriate, use the official phone number and consider free debt advice before agreeing to pay.
Disclaimer: This guide gives general information, not legal or financial advice, and individual circumstances vary. Details reflect official sources checked on 28 October 2026; confirm current terms with Moorcroft, the creditor or a free debt adviser before acting.
