Lowell Financial Debt Collection – Should You Pay?
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.
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.
Table of Contents
- Why are Lowell contacting me? Jump
- Should I Pay Lowell Financial? Jump
- How Can I Pay Lowell Financial? Jump
- What Happens If You Ignore Lowell Financial? Jump
- Will Lowell Group use bailiffs? Jump
- Is It possible to write off my Lowell Group debt? Jump
- Can I stop Lowell Financial from contacting me? Jump
- How do I make a complaint about Lowell Debt Collection Company? Jump
- What is Lowell Telecom? Jump
- Lowell Group Debt Collection Contact Details Jump
- Lowell Group Debt Collection FAQs Jump
- References Jump
When a letter from Lowell Financial Debt Collection lands on your doormat, it can be a bit scary. But don’t worry; we’re here to help you understand what’s happening and what you can do about it.
We know from the over 170,000 people who visit us each month for advice on debt issues that it can be confusing to know where this debt has come from and whether you should pay it.
We’ll help you figure out:
- How to make sure the debt is really yours.
- What you can do if you can’t afford to pay.
- How to stop Lowell from contacting you too much.
- Ways to set up a payment plan or even get your debt written off.
Our team knows what it’s like to be chased by debt collectors. We understand how you might be feeling, and we’re here to help you.
So, let’s dive in and find out more about Lowell Financial Debt Collection and what you can do if they’re contacting you.
Why are Lowell contacting me?
Lowell Group will be contacting you because they think that you owe them money that you have failed to repay. It is likely that you have unsecured debt and Lowell debt collection agency purchased it, in order to collect payment from you for it.
They buy debts from other organisations, so the money you owe will normally be money that was originally owed to a different company. So just because you’ve never heard of Lowell, doesn’t mean you don’t owe them. As mentioned previously, Lowell Financial is the specific company that will usually be contacting people to collect debts.
This can be confusing, which is why it is crucial that you ask Lowell Financial to prove you owe the money first. We can help you do just that with this prove the debt template letter.
Could you write off unaffordable Lowell debt?
- Affordable repayments
- Reduce Pressure from people you owe
- One simple monthly payment
Should I Pay Lowell Financial?
Whether you should pay depends on several factors. If the debt is proven to belong to you and you can afford it then yes, you should pay or at least speak to Lowell about setting up a payment plan.
If the debt isn’t proven as yours or it has become statute-barred (more than six years old) then you should not pay the debt.
How Can I Pay Lowell Financial?
You can make a payment to Lowell over the phone or online. They even have a website tool that can help you work out what you can afford to pay back each month (see below). Or you could use our free budgeting guide!
Next, check out their payment options page (their site has easy navigation).
Here you can enter your Lowell Financial reference number that you likely received at the top of any letters.
Make sure you note down the reference number of your payment, so next time they call you you can tell them that you’ve already paid (it may take some time for this payment to be reflected on your account).
As you can see it’s relatively simple to make a payment providing you have the reference number and card to hand.
What Happens If You Ignore Lowell Financial?
If you ignore letters and phone calls from a debt collection agency they could take you to court. At court, a judge will decide whether you really owe the debt and could issue a court order forcing you to pay.
The balance of your debt owed could go up due to fees and interest if you keep ignoring them. If you get in touch and ask for some time to explore your options, they might pause any debt interest.
Will Lowell Group use bailiffs?
The short answer – Maybe. Lowell Financial Ltd are not bailiffs themselves and it would be a legal offence for anyone to pretend to be one. They can only use bailiffs if your debt has been ordered to be paid by a judge and you continue to refuse. They can then request an enforcement officer to come to your home and potentially repossess things you own to pay for the debts.
So to sum up, they might use bailiffs, but you can avoid this by cooperating.
Is It possible to write off my Lowell Group debt?
It is possible to write off some or 100% of the money you owe to Lowell Group Debt Collection. The right method to use will depend on your personal circumstances.
Some ways to write off part or all of the debt include:
The other method is to use a law called Statute Barred, which states some older debts cannot be taken to court. Without court action, Lowell Financial can never force you to pay. The debt isn’t exactly written off, but it is as good as.
For more information on writing off debts with this law, read our Statute Barred guide with a free letter template.
Can I stop Lowell Financial from contacting me?
Yes! Like with all debt collection agencies, you can provide contact preferences to reduce the number of calls and texts you receive. If the agency doesn’t respect these wishes you could make a complaint to the FOS.
If you believe that a debt collection agency is contacting you in an inappropriate manner (i.e. you are getting too much contact from them), you can send them a letter specifying when and how you’d like to be contacted.
If you’re looking for a way to deal with your debts for good then you might consider using one of the UK’s 7 debt solutions.
Our form below is a good place to get started:
How do I make a complaint about Lowell Debt Collection Company?
From my experience, the fastest way to complain about any regulated company is to follow their Complaints Procedure, by giving them a call and officially letting them know the issue. If this doesn’t resolve your problem, then you can escalate it to the Financial Ombudsman Service (FOS).
Any complaints should be first directed towards Lowell Financial so they have a chance to put things right.
If they don’t reply in a satisfactory way, or don’t respond within 8 weeks, then provide the FOS with as much detail and evidence as you possibly can to explain your experience. The more you can provide the better chance you have of making a strong case against.
The FOS have a lot of authority and can make a big difference if your complaint is justified.
What is Lowell Telecom?
If you’ve received a letter talking about an account labelled “Lowell – telecom”, it’s likely that you owe a debt to a telecommunications company. This could be an unpaid phone bill or you’ve got debts with your broadband provider.
If you don’t recognise the debt or can’t remember being in debt, ask them to prove the debt is yours by sending a prove it letter. If the debt is truly yours, they won’t have any problem proving this debt to you. However, if they cannot prove the debt you are not liable to pay.
Lowell Group Debt Collection Contact Details
Below are the best ways we can find to contact Lowell Financial. Many debt collection agencies have multiple phone numbers, so we’d recommend trying all of them if the first doesn’t work.
Website: | www.lowell.co.uk |
Phone numbers: | 0333 556 5552 0333 556 5701 |
Post: | Lowell Financial, PO Box 13079, Harlow, CM20 9TE |
Office Address: | Ellington House 9 Savannah Way, Leeds Valley Park West, Leeds LS10 1AB |
Opening times: | 8am-8pm Monday to Friday, and 8am-2pm on Saturday |
Email: | post@lowellgroup.co.uk |
Other Debt Collectors to look for on your Credit Report
There are hundreds of debt collectors in the UK and they each collect for different companies.
It’s surprisingly easy to not notice that you’re in a debt collector’s crosshairs.
I’d suggest you spend time checking your credit report. If a debt collector purchases any of your debt, it will appear on your credit report.
Some of the biggest to look out for include Cabot, PRA Group, and Lowell.
So if you see anything relating to their names, then you’ll need to investigate further.
Lowell Group Debt Collection FAQs
If a debt collection agencythey is acting in a threatening way or do not leave, you should call the police.
Are you struggling with unaffordable debt?
- Affordable repayments
- Reduce pressure from people you owe
- Lower monthly repayments