Managing your debt - next steps

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    You should have received a letter from us by now. You will find your unique reference number on it

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    We provide useful tools, helpful links and FAQs to guide you through the process.

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    Once you are ready to start your repayment plan, you can begin the set-up process below.

Affordability calculator

Please try out our affordability calculator. This provides an estimation of payment amounts and durations required to clear balances owed.

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FAQs

Address: 15 Old Bailey London EC4M 7EF 
 
 
Please note, If your query is account related we will need some personal information in order to identify you and comply with Data Protection requirements as well as for your security.  
 
If you haven’t confirmed DPA in previous e-mail communications, please include in your e-mail body your Full Name, Full Address & Date Of Birth. This will enable us to carry out our security checks and authorises us to communicate via this e-mail address. We will then be able to respond to your communications without having to ask you to provide this information.  
 
If you register on the web portal, this will automatically give us consent to communicate via e-mail.  
 
Tel: 0203 126 4544 

View Your Account Via Our Customer Dashboard To See The Status Of Your Accounts
 
Our dashboard allows you to easily see what litigation stage your account is at, how much is owed, how much has been paid to date, arrangement status including last paid amounts and dates, next instalments due, any arrears due on your account along with a summary of the arrangement and hold status.
 
Make Secure Payments 
 
Pay securely online via the web-portal. We accept Visa Debit Card, Visa Credit Card, Visa Electron, Maestro & MasterCard. We are fully PCI DSS Level 1 compliant with processing of card details for your peace of mind.  
 
Set Up An Arrangement To Pay
 
The web portal allows a new arrangement to be set up online allowing you to set up an arrangement at your convenience and at a time and place best for you. You will be able to use our repayment calculator to work out a suitable repayment term, select the best payment method and frequency that best suits you making repayments. Confirmation of the arrangement can be requested, payment reminders via e-mail or SMS, payment receipts when we take payments from your debit card. 
 
Please note, certain litigation stages we cannot accept an arrangement via the web portal and If an existing arrangement needs to be changed, you will need to contact our offices. 
 
Request Statement Of Account 
 
Request a statement of account or a paid in full receipt after the account is cleared via e-mail. You will receive this within 30 minutes of requesting as a PDF attachment on a Moriarty Law letterhead to your registered e-mail address. 
 
Update Contact Details 
 
Keep us up to date with your contact details so that you never miss any communications or correspondence. You can view what contact details we currently hold for you and update/ remove any as required. This includes your address, your e-mail addresses & any contact telephone numbers. 
 
Please note, certain litigation stages you will be unable to update your address via the web portal.  If you need to update your address, you will need to contact our offices. 
 
Useful Links 
 
We have listed some useful links in case you need any assistance or need to make any further enquiries. This includes detailing contact details for the Courts, free independent advice that can be sought, credit reference agency details for you to check your credit file status and score. 
 
Request A Call-back 
 
If you would like us to attempt to call you, click on the Contact Us or Request a Callback and we will endeavour to call you at our earliest convenience. 
 
 
Please note our offices are open Monday – Thursday 9am – 5:30pm Friday 9am – 5pm Saturday 9am – 1pm. We will only be able to Callback within office hours. 
 
In The Future 
 
  • Securely Drop or Pick Up Documentation Via Dropbox 
  • Look At Credit Reference Status 
  • Who Our Client Is & What The Balance Relates To 
  • Webchat 
  • New App Allowing You To Manage Your Accounts At Your Convenience
We are here to help both our clients and our client’s customers. We wish to bring an amicable resolution and work with all parties to resolve the matter with the least amount of litigation action as is necessary.  
 
Contact Us Via Phone 
 
It can be very daunting to pick up the telephone to call which we truly understand but we hope after having done so, you will be glad you did. 
 
We have a team of highly trained litigation executives who are able to provide further information regarding your account and the specifics, talking you through the process and gaining an understanding of your circumstances.
 
Our staff are customer focused and will be able to understand your financial and personal circumstances and be able to explain what options are available with a view to trying to bring an amicable resolution with our Client.
  
In some instances a reduced settlement amount may be available.
 
Contact Us Via E-Mail or Letter 
 
We have a team of highly trained legal administrators who will be able to respond to any communications received. 
 Please note that due to the volume of communications, it can take up to 7 days for your e-mail to be actioned and responded to. We strongly recommend if your e-mail is urgent or your account is subject to litigation that you call our offices. 
 
 
Webchat Will Be Available In The Future  
 
We are working hard to improve our electronic communication channels as we step further into the 21st century and are working on a webchat team for the near future. More details to follow as we develop this project. 
 


There are many different strategies we can adopt dependant on your individual circumstances and our client’s instructions.
 
In most situations, the first part of the litigation process is for proceedings to be issued in the County Court.
 
If you have received communications from us and are unsure what happens next, the following information will help you gain a better understanding of the process. Moriarty Law understand that this can be an unsettling time and want to help resolve the matter in the best way possible for you and our Client.
 
PRE-LITIGATION
 
When we have accepted instruction on a case, we will send our first communication giving formal notice of our instruction to act on behalf of our client.
 
We hope for early engagement and encourage communication to resolve and settle the matter prior to proceedings being issued. 
 
You will receive a Pre-Action Protocol Response Pack which will include all options on how to respond, including the following: 
 
  • Agreeing the debt is owed:
You can settle the amount due in full or make an offer of repayment at an affordable rate. A financial statement is included allowing you to detail your current financial circumstances or go to www.iehub.co.uk to complete a financial statement on-line.
 
  • Seek Legal / Debt Advice:
If you require more time to respond to either seek your own independent legal advice or independent debt advice, just let us know. You can find contact details for organisations that offer free independent advice via: our ‘Useful Links’ tab on the; web portal, page 5 of the Pre Action Protocol Response Pack and on the reverse of our letters.
 
  • Requiring Further Information: 
If you need further information or supporting documentation in relation to the original contract or debt, we are happy to oblige and provide relevant documentation. Please contact a member of our team and we will bespeak the supporting documentation from our Client. 

  • Query:
Moriarty Law believe in clarity so if there is any question about the legitimacy of the amount owed, we are happy to investigate any concerns raised.
 
We use ‘Alternative Dispute Resolution’ at each stage of our instruction and invite you to send to us any documentation you believe will assist in dealing with your query. For example, if you believe the debt has been paid previously, providing Moriarty Law with evidence can aid in investigations when referring back to our client.
 
Moriarty Law are fully committed to attempt to resolve the matter prior to court action. If, however the above options have been exhausted and evidence suggests there is a legitimate balance owed, the case may be referred to the county court for litigation to commence.  
 
Costs
 
No costs will be added to the balance, at pre- legal stage.
 
Time to respond
 
We allow 30 days from the date of our first letter for you to respond and bring resolution to the case. If you require any more time, please contact our offices at your earliest convenience.
 
Who to respond to
 
Once instructed all communications should be made to Moriarty Law. We have highly trained, customer focused staff who are willing to help. Please respond to us either via the Customer Web Portal, via telephone, via e-mail or letter.  
 
 
COUNTY COURT CLAIM ISSUED
 
If you receive a County Court Claim and Response Pack from the County Court or a letter from Moriarty Law explaining that proceedings have now been issued, this means that the case has been referred to the County Court and proceedings have been issued and registered with the Courts.
 
Moriarty Law understands that this can be an unsettling time and wish for the matter to be resolved in the best way possible. At this stage, there are different options available for responding to the claim pack. 
 
Moriarty Law recommends our clients customers to seek their own independent legal advice.  Please see the information below on how to respond:
 
Pay the Amount Due Within The 19 Days the Courts Allow – The Courts allow for the balance to be settled within the first 19 days of the Claim being issued. If you intend on clearing the amount due but need slightly longer than the 19 days the Courts allow, contact our offices to discuss your situation. In some instances, we are able to extend this period to a date more suitable for your needs.
 
All payments are to be made to Moriarty Law. Contact our offices or use one of the payment methods on the reverse of each of our communications or detailed in our FAQs. 
 
Admit to The Debt & Make an Offer of Repayment – If you need longer than the 19 days and we are unable to assist you in extending this period for as long as you require, please return the Admission Form ‘N9A’ within the Claim Pack. 
 
The N9A allows for defendants to complete a financial statement so a payment arrangement can be assessed on their current affordability. Please note if an offer is accepted, this will be registered as a Judgment by the County Court and additional costs are added. At the same time, the Court will register a County Court Judgment (CCJ) against the defendant’s credit file. The CCJ will remain on the credit file for a period of 6 years from the date registered, unless paid in full within 1 calendar month from the Judgment entry. 
 
Full Admissions should be sent to Moriarty Law at our address and be received within the 19 days period prescribed. If you need longer, please contact our offices. 
 
Admit to Part of The Debt & Make an Offer of Repayment – If you admit to owing a partial amount of the balance and dispute the remainder, a part admission can be filed by completing both the N9A (as above) and the defence form within the claim pack. A Part Admission will either be accepted or rejected based on its merits and our Client’s instructions. 
 
If a part admission is accepted by our Client, the balance will be written down to the admitted amount & Judgment will be entered. This will be registered as a Judgment by the County Court and additional costs are added. At the same time, the Court will register a CCJ against the defendant’s credit file. The CCJ will remain on the credit file for a period of 6yrs years from the date registered, unless paid in full within 1 calendar month from the Judgment entry.
 
If the part admission is rejected by our Client, the case becomes a defended case which will follow directions set out by the Courts, the end result being that the case may go to a final hearing in front of a District Judge for a decision to be made.  
 
Please note part admissions simply disputing the costs incurred due to the Claim being issued without justification will usually be rejected. These costs have only been added due to the  issue of proceedings in the County Court. 
 
Part Admissions should be sent back to the County Court and be received within the 19 days prescribed. If you need longer, please contact our offices. 
 
Require Further Time - If you need further time to decide how to respond because you are seeking your own independent legal advice or assistance, the Acknowledgment of Service can be returned to the Courts which will give an additional 14 days – totalling 33 days. 
 
Alternatively, you can contact our offices to request further time or to advise us of your current circumstances.
 
Dispute the Claim. - If you contest the Claim and wish to defend or make a counterclaim, the Defence form should be completed and returned.
 
The Defence form allows you to advise the Courts the reason why you dispute the amount owed and provide all necessary evidence to defend the Claim.
 
If a Defence is filed, the matter becomes a Defended case. The defendant and Moriarty Law then take directions from the County Court. 
 
If matters are not resolved, the case may go onto a hearing to be heard by a District Judge where evidence will be assessed, and the Court will make a ruling. If the Court rules in favour of our Client, additional costs will be incurred, and Judgment will be issued resulting in a CCJ being issued against the defendant’s credit file. If the judge rules in favour of the defendant, all court costs are paid by the claimant and the Claim is dismissed.  
 
Do Not Ignore – Please be advised that if you ignore the Claim Pack issued by the Court or fail to resolve matters amicably with Moriarty Law, then Judgment can be entered against you by Default and  the Court will rule in our Client’s favour and order you to pay the amount owed either in full or by instalments.
 
If a Judgment by Default is entered then additional costs are added. At the same time, the Court will register a CCJ against the defendant’s credit file. The CCJ will remain on the credit file for a period of 6 years from the date registered, unless paid in full within 1 calendar month from the Judgment entry.
 
Costs
 
Costs are added by the Court to the amount owed once the Claim has been issued. These are costs that have been incurred due to the issue of proceedings in the County Court.  Full details will be listed on the front page of the Claim pack from the Court. 
 
Time to respond
 
You have 14 days to respond to the Claim in the appropriate way. The 14 days starts 5 days from the date of issue allowing 5 days for service. This allows 19 days from the date on the front page of the Claim Pack to have received your response. 
 
In some instances we are able to extend this period so please contact our offices. 
 
Please note, if you fail to respond to the Claim Pack or make contact with our offices within this period then our Client will be at liberty to request a Judgment be issued against you. 
 
Who to respond to
 
You will need to respond to the Claim Pack unless you contact us and we are able to agree otherwise. The front page of the Claim Pack will detail the Courts and our contact details for communications and payments.  
 
We invite you to contact our offices to discuss available options. In some instances we can extend the time required to respond to the Claim for example if you require slightly longer to pay the amount due or if we can provide some clarity about the amount due or investigate any queries raised.
 
At Moriarty Law we have highly trained, customer focused staff who are willing to help.  At Claim stage, please respond to us either via telephone, e-mail or letter.  
 
JUDGMENT ENTERED
 
If Judgment has been entered, this means the Courts have ruled in favour of our Client and the debt is to be repaid by the defendant. The courts will stipulate if the balance is to be repaid in full or by instalments, the order will usually commence 1 calendar month from the date judgment is entered.
 
It is important to adhere to the court order by paying the arrangement as specified. If the payment arrangement fails, the court order is breached, which can result in our client enforcing the debt by further action. This is something that both our client and Moriarty Law are keen to avoid and we therefore encourage communication to resolve the matter without the need of enforcement.
 
Enforcement action can include, an Attachment of Earnings, a Warrant of Control, Charging Orders, a Writ of Control (if transferred to the High Courts) and Bankruptcy Petitions.
 
Costs 
 
The Court will add costs for processing the Judgment and registration. You will receive a Judgment from the Courts confirming the amount now due. Full details are available via the Court.  
 
Time to Respond 
 
Once Judgment has been entered, the Courts will order the amount to pay and this will usually commence with the first payment to be paid 1 calendar month from the date the Judgment and then on the same date of each month thereafter until discharge of the amount due. 
 
The Court will allow for Cancellation of the CCJ if the Judgment is paid in full within 1 calendar month of the date of the Judgment. This is the only opportunity the Court will allow for the CCJ to be removed, otherwise the CCJ entry against a credit file will show for 6 years from the date of entry.  
 
Moriarty Law understands this can be a very stressful time and would like to encourage early contact so we can understand your situation fully and to help to resolve the matter on a case by case basis to suit individual needs. Please contact us at your earliest convenience.
Moriarty Law are a Legal Practice authorised and regulated by the Solicitors Regulation Authority (SRA) with offices based in London and Surrey. 
 
Moriarty Law strive to be one of the leading firms in the market place offering innovative and effective pre-litigation and legal recoveries and enforcement services on behalf of our clients. Moriarty Law uses in-depth and sophisticated analytics to identify suitable accounts for the litigation process.
 
Moriarty Law prides itself on customer service and the provision of help to customers to meet their obligations in a way that is suitable for them.
If you have received communications from us, it usually means that our Client has exhausted all means to resolve and recover the debt without instructing the legal sector. 
 
Moriarty Law will have been instructed to review and select cases that have been deemed suitable for litigation. 
 
Moriarty Law is committed to treating customers fairly and fully complies with the Pre-Action Protocol For Debt Claims and will only use litigation as a last resort.
 
If you have received a letter from us, please contact us at your earliest convenience so we can fully understand your circumstances and find the best solution.
Continuous Payment Authority – Register your debit/credit card for a regular automatic payment with us today. Once set up, you’ll have peace of mind knowing payments will be made regularly. We are fully PCI DSS Level 1 compliant with processing of card details for your peace of mind.  You can set up an arrangement via the Web portal or by calling us on 0203 126 4544.  We accept Visa Debit Card, Visa Credit Card, Visa Electron, Maestro & MasterCard.

Direct Debit - Please either complete and post back to us the Direct Debit Mandate on the reverse of our letters  to Moriarty Law Limited, 15 Old Bailey, London EC4M 7EF or call us on 0203 126 4544 where we can set up paperless arrangement over the telephone. Please have your sort code and account number to hand. You will be covered by the Direct Debit Guarantee.    

Bank Standing Order / Bank Transfer – Should be made payable to Moriarty Law Limited. Please include our reference number on any payments made to: Sort Code: 30-96-35 / Account Number: 70553268. 

Debit / Credit Card -We accept Visa Debit Card, Visa Credit Card, Visa Electron, Maestro & MasterCard. Pay securely online via the web-portal, by calling us on 0203 126 4544 and either using our Automated Payment Line available 24/7 365 days of the year or speak to us over the telephone to process your payment.  We are fully PCI DSS Level 1 compliant with processing of card details for your peace of mind.  

Cheque / Postal Order – Should be made payable to Moriarty Law Limited. Please include Our Reference Number on the back and post to Moriarty Law Limited, 15 Old Bailey, London EC4M 7EF

To all our clients and their customers and our contacts – Our offices are closed to the public, due to the restrictions of the Covid-19 virus, but we continue to offer online and telephone support as usual and we aim to continue to do so whilst taking account of Government advice.

All of our Senior Team of Directors and Managers have the ability to work from home and we have put in place a number of remote working practices to enable our staff to continue to work efficiently and effectively throughout these very difficult times. We will monitor and respond to this ongoing and quickly changing situation on a daily basis.

Many thanks for your patience in these very difficult times and please keep safe.

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