Moorcroft Escalates DMP Income‑Classification Issue to Compliance.

DMPSCAMS Case Summary: Moorcroft Escalates DMP Income‑Classification Issue to Compliance.

Date: 10 July 2026 Consumer: Brian Hunter Creditor: Moorcroft Debt Recovery DMP Provider: PayPlan Issue: Income classification and affordability data supplied through the shared DMP portal.

Summary

During a live chat with Moorcroft Debt Recovery on 10 July 2026, the consumer requested clarification regarding the income categories and benefit types supplied to Moorcroft by PayPlan in 2012 as part of a Debt Management Plan (DMP).

The consumer explained that their income consists entirely of ESA Support Group and Disablement Benefit at 20% for life, and that these income types have remained unchanged since the 1980s.

Moorcroft confirmed that:

• They rely on affordability information supplied by PayPlan through the shared DMP portal.
• They accept repayment plans based on the information provided.
• They “would not reject a payment plan if the customer’s source of income was a disability‑based benefit.”
• The matter has now been escalated to Moorcroft’s legal/compliance department.
• The account has been placed on hold pending compliance review.
• A formal response will be issued following the investigation.

The consumer has notified PayPlan that the creditor has frozen the account and escalated the matter to compliance. The consumer’s complaint with PayPlan remains ongoing.