If Moriarty Law has sent you a debt letter, check whether it is an ordinary collection letter, a Letter of Claim, or a court form. The response deadline and risk level are different, so do not ignore formal legal papers.
Quick decision guide#
- “We may take court action”: respond quickly if the letter is a Letter of Claim or County Court claim form.
- “You owe this balance”: ask for the original creditor, account history, and proof of assignment if you do not recognise it.
- “A field agent may visit”: a debt collector is not a bailiff and cannot force entry or take goods without later court enforcement.
- “You cannot afford payment”: complete a realistic budget before agreeing a plan.
- “You have several debts”: compare debt help, DMP, DRO, and IVA options first.
Who are Moriarty Law?#
Moriarty Law are a debt collection law firm with company number 08432710. Their full company name is MORIARTY LAW LIMITED. The Solicitors Regulation Authority lists Moriarty Law Limited as an SRA-regulated firm, so check the SRA register and the company number against any letter before paying.
Will Moriarty Law come to my house to collect debts?#
As a debt collection agency, Moriarty Law may appoint field agents to make home visits to discuss the alleged debt. These visits can be very distressing for debtor and the entire family. They may also charge for these visits, which increases how much debt you owe.
Moriarty Law’s methods of recouping money can have a negative effect on your mental and physical health. You do not have to face them alone; you can appoint a debt advice company to represent your interest.
If Moriarty Law contact is causing stress, focus first on the letter type, the deadline, and whether the balance is correct. Debt advice can then help you decide whether to dispute, negotiate, or compare wider debt solutions.
How will Moriarty Law chase me if I don’t pay?#
Moriarty Law use computer systems, known as customer relationship management systems, to track activity with their debtors, and to make sure they profit.
Their approach and manner can feel aggressive when you are on the receiving end, and you may have seen documentaries and news articles criticising the heavy-handed nature of some debt collectors and bailiffs when collecting money or assets. Although the Government have come some way to reduce their powers, they still seem to rely on intimidation.
If the company purchases your debt, you’ll likely first hear about this by phone call and letter. This initial message sets out their pre-action protocol. The letter will outline the money you owe, along with any charges and penalties they have added. The company will likely provide a tight deadline for you to come up with the money to repay the debt in full; often seven days. The point of this tactic is to incentivise you to contact them and agree on a repayment method.
The letter from Moriarty Law generally outlines two or three next steps, typically:
- A home visit
- A county court judgement (CCJ), issued by Moriarty Law Solicitors if you fail to repay the debt within this tight deadline
- A threat of bankruptcy (usually if the debt is over £750)
These letters are standard communications from debt collection parties, so don’t take them to heart.
Can Moriarty Law take me to court?#
Yes. Moriarty Law may proceed with litigation through the courts as a last resort if you do not answer their calls or other communications, or if they are unable to agree on a payment plan with you.
How do you deal with Moriarty Law?#
You can try to work with the company to agree on a settlement or payment plan. However, this can be stressful if they are persistent in their approach and if you don’t know your rights.
Alternatively, you can get debt advice before agreeing a repayment plan. This can help you avoid unaffordable payments and understand whether a DMP, DRO, IVA, bankruptcy, or another route is more appropriate.
We can help#
We can help you compare the main debt solutions and understand the trade-offs before you commit. A formal insolvency solution is not right for everyone, so affordability and risk need to come first.
What rights do I have against Moriarty Law?#
As a citizen of the United Kingdom, you have certain rights to protect you and your family’s wellbeing when dealing with debt collectors who are chasing you for money.
- Moriarty Law can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. What we define as reasonable does not have any concrete definition, but simplistically this means that you should not feel harassed by them. You cannot use their collection methods as a defence to avoid repaying your debt, but you can ask the company only to contact you in writing. If you take this approach, you must be responsive to these letters.
- Moriarty Law cannot speak to your family, friends or neighbours about your debts. This procedure is in line with UK data protection laws.
- Moriarty Law cannot pretend that they have powers which they do not possess. In the past creditors have used documents that appear to be official court documents. A law is now in place to prevent this from happening.
- Moriarty Law cannot threaten you, abuse you or tell lies to collect your money.
Moriarty Law Frequently Asked Questions#
If you ignore your debts with Moriarty Law, they have the choice of a few different approaches.
Moriarty Law may make a court claim against you, which is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form through the post, and you either have to pay the money in full or register a dispute. If you dispute the bill against Moriarty Law, you should take legal advice, as a lot of defences will not work in this situation. A CCJ will stay on your credit file for six years.
If Moriarty Law is one of several creditors, a formal debt solution may reduce what you repay if it is suitable, accepted, and completed. Your total debt can include loans, credit cards, catalogues, payday loans, overdrafts and other unsecured debts.
Moriarty Law are a collections agency; this means that they can instigate bulk debt purchase from many sources and legally pursue customers for repayments. Some of the most common debt accounts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.
Moriarty Law’s specific clients include Natwest, PayPal and Santander. If you do not meet the conditions of your credit agreement with these companies, they may give Moriarty Law the option to buy the debt.
Moriarty Law are likely only to pay a few pence per pound of debt they buy from each creditor. They make it their job, to profit on each debt portfolio they purchase from others.
Moriarty Law Limited is listed on the Solicitors Regulation Authority register. Check the SRA entry, company number, and contact details against your letter before paying.
MORIARTY LAW LIMITED, company registration number 08432710**,** has a registered office address at 15 Old Bailey, London, England, EC4M 7EF.
These are the best contact details for these debt collectors are:
- Phone number: +44 20 3126 4544
- Online payment: https://www.moriartylaw.co.uk (you’ll need your reference number for your Moriarty Law login)
- Post: 15 Old Bailey, London, England, EC4M 7EF
If you feel that Moriarty Law have not treated you fairly, or you have a complaint relating to their agent or repayment plan, you can raise your grievance in one of the following ways:
- Phone: +44 20 3126 4544.
- Post: 15 Old Bailey, London, England, EC4M 7EF
Remember to have your debt letter and file number to hand, along with full details of your circumstances.
If you are not satisfied with the response, you can escalate your case to the Financial Ombudsman Service, or the Information Commission. It’s wise to include a copy of any key evidence for your case, so someone else can easily understand your perspective.
You can typically pay your debt balance with a debt collection agency by credit card, debit card, standing order and direct debit; they accept a lump sum or part payments. You can often agree on a payment plan by registering for an online account.
If your account has progressed to a bailiff knocking at your door, be sure to confirm their identity before considering paying them or handing over items of property, and always get a receipt. The firm will likely add collection fees every time they visit, so the time to get debt guidance is now.
Alongside the support and expertise that we offer at IVA Advice, numerous independent bodies can support you with debt matters, such as National Debtline, StepChange and Citizens Advice. By just reading one article or guidelines document from the charity, you’ll see that you are not alone in this process.
Sadly debt collectors are very persistent in chasing down money. They paid another company for your debt, so they only make a profit if you make a payment that is more than what they paid, plus the operating costs linked to the debt collectors on your case.
Debt collectors may chase you for up to six years, depending on where you are based in the UK and the type of debt.
Bailiffs can only enter your home if they recovering debt linked to stamp duty, income tax or criminal fines. This should be a last resort option for debt collectors. They can only use reasonable force when entering, which generally means they should use a locksmith rather than breaking down your door.
See the table of contents for more information on dealing with debt collectors.
If a debt collection agency is chasing you, it’s likely because they believe you owe them money for a debt they have purchased from another company.
When calculating what an affordable debt payment looks like for you, it’s essential to list all of your income and expenditure and see what money you can free up for debt repayments without leaving yourself or your family without essentials.
Debt agencies have rights to take you to court, but they can’t send you to prison for not making a debt payment.
Debt companies may pursue payment for up to six years from the last payment or written acknowledgement in England and Wales, unless they secure a County Court Judgment. If you cannot afford repayment, an IVA or another debt solution may be worth comparing before the situation escalates.
A court can issue a CCJ if a debtor fails to repay his or her creditors. It can harm your chances of securing more credit for six years. You may even struggle to secure a mobile phone contract.
In Scotland, the CCJ process works a little differently and is known as enforcing a debt by diligence.
If you don’t make a payment in full for your CCJ within 30 days of its issue then the CCJ will go on your credit report for six years. That is the case even if you repay the CCJ in full in less than six years. This is likely to reduce your chances of securing more credit.
An individual voluntary arrangement is a legal agreement that commits you to making a specific and affordable monthly payment for usually five years, after which time the rest of the money you owe is written off.
75% of your creditors must agree to this arrangement for it to proceed and you must work with an Insolvency Practitioner to be eligible.
The standard term for an IVA is five years, but it could be shorter if you overpay, or longer if you agree a payment holiday with your Insolvency Practitioner.