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03335565838 – Who Called? Stop Lowell Debt

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 27th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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03335565838 – Who Called

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Did you get a call from number 03335565838? That’s Lowell, a company that collects money from people who owe a debt.

If you don’t know why they’re calling or if you can’t pay them, don’t worry. We’re here to help you. Each month, over 170,000 people visit this site for guidance on similar matters.

In this piece, we will talk about:

  • How to check if you really owe money.
  • How you can stop Lowell from bothering you too much.
  • How to make plans to pay your debt or even not have to pay some of it.

Research shows that 64% of adults in the UK find dealing with debt collectors stressful1, so we understand how you feel. But there’s always a way to deal with Lowell and their calls.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Reasons why you were called by 03335565838

We have a more detailed guide on Lowell Financial Debt Collection, which you can find here.

If your phone has been ringing with calls from 03335565838, it seems you’ve entered the initial phase of their outreach.

The main reasons Lowell call people are: 

  1. To collect payment – The primary reason for Lowell’s call from 03335565838 is ultimately to get you to pay up, ideally right then over the phone. If you cannot afford to pay the total, then Lowell will suggest that you arrange an ongoing monthly instalment plan, ideally by direct debit.

  2. To gather more information – Lowell will likely request more information about your situation, including a copy of your monthly budget (if you have one) illustrating your income and expenses — especially if you cannot pay. They might also like to know more about your living circumstances.

Typical Debt Collection Process

We’ve put together this simple table to provide an overview of the typical debt collection timeline. For more information on how Lowell or other debt collectors may contact you, don’t forget to check out our detailed guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

As you may have noticed, you could receive a call from 03335565838 if you have missed a payment. Remember, it’s important to contact the debt collector to explore your payment options.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Should you ignore Debt Collectors?

We always recommend responding to debt collectors – even just to question the debt’s validity.

Keep in mind that you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

You can watch this video to get an understanding of the process and what debt collectors can and can’t do:

» TAKE ACTION NOW: Fill out the short debt form

Lowell Financial Debt Collection Contact Details

Address: Ellington House, 9 Savannah Way, Leeds, LS10 1AB
Phone: 0333 556 5552
Opening hours: 8am-8pm Monday to Friday, and 8am-2pm on Saturday
Website: https://www.lowell.co.uk/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.