Lowell Financial Debt Collection – Should You Pay? 2022


You Might Not Have to Pay Lowell Debt Collectors!
Lowell Financial is a debt collection company working across the UK.
If you have received a letter suggesting there is a debt owed in your name, I can help you deal with them. Whether the letter is from Lowell Financial, Lowell Group or Lowell Portfolio, and even if you’ve had a debt collector visit your home, this will be relevant.
Lowell Financial can be a scary company to deal with if they believe you owe money, home visits and calls can cause distress and sleepless nights.
Take back control by knowing your rights and the best action to take with us.
It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.
Deal with your debt today and feel amazing tomorrow.

Who is Lowell Financial Debt Collection?
Lowell Financial is a debt collection agency that is part of a wider collection of companies known as The Lowell Group. It includes Lowell Financial Limited, Lowell Portfolio 1 Limited and Lowell Solicitors, among others. The companies within the Lowell Group work together in the debt collection process.
Lowell Portfolio Ltd handles debt purchase. They buy debts from other companies to be chased. Whereas, Lowell Financial Ltd is the debt collection agency that debtors will deal with, they’re the ones doing the actual chasing. So you’re most likely to have been hearing from Lowell Financial rather than one of their other companies.
The structure of the Lowell Group can be confusing, which is why their companies often get called by the same names interchangeably, including Lowell Financial Ltd, Lowell Group Debt Collection and Lowell Debt Collection and others.
All the companies within the Lowell Group Debt Collection Company are regulated by the Financial Conduct Authority. But that doesn’t mean they are always right!
Don’t worry, here’s what to do!
You could get rid of Lowell Debt Collectors by writing off some of your debt.
There’s several debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.
Fill out the 5 step form to get started.
Is Lowell Debt Collectors Legit?
Lowell is a legitimate company. They are registered in England and Wales, and most importantly, regulated by the Financial Conduct Authority (FCA). All their connected companies, like Lowell Financial and Lowell Portfolio are also regulated by the FCA.
The FCA have very strict rules, so it’s safe to say that they are legit. They have a legal right, having bought your debt, to collect the money from you, whether it’s unsecured debt that you are fully aware of, or whether it’s something you have forgotten about.
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 chase 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.
Who do Lowell Financial Debt Collection Agency work for?
Lowell Financial do not work for any other businesses, but they do buy debt owed to companies such as: Vanquis Credit Cards, Capital One, O2 and Littlewoods. They buy lots more, but these are the biggest names that they buy debt from.
UK Personal Debt 2021 Update:
As of April 2021, the average UK credit card debt was £1,928
(Source: The Money Charity)
Feeling like Chandler?
Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.
How Lowell Financial debt collectors can make your life hard
Lowell can make consumers’ lives difficult in different ways. Here are some of the common ways that Lowell Financial Ltd will cause you to worry and stress:
- Frequent contact requesting payments (sometimes too frequent for the law!)
- Home visits (not legally allowed to enter or pretend they have such a right)
- Report your debt to credit agencies to harm your credit score
- Take you to court to enforce payment through a judge
- Employ bailiffs if you ignore a judge’s request
All this results in sleepless nights and anxiety. But you can get support through a debt charity like StepChange or National Debtline.
Just because Lowell Financial is an authorised and regulated debt collector, don’t assume that they won’t bend the rules. The debt collection industry has a lot of issues!
If Lowell Financial Debt Collectors are making paying your debt too hard then find a way to make it a little easier.
You may be able to use one of the UK’s debt solutions to manage your debt and stop contact with Lowell Financial.
Fill out form below to found out some solutions available:
What Happens If You Ignore Lowell Financial?
If you ignore their letters and phone calls 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.

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.

Will Lowell Group use bailiffs?
The short answer – Maybe. Lowell Financial Ltd are not bailiffs themselves and it is a legal offense for them to pretend to be. 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 reposses things you own to pay for the debts.
So to sum up, they might use bailiffs, but you can avoid this by cooperating.

Can I just not reply to Lowell Financial Ltd?
The matter can escalate to legal action if you do not reply to Lowell Financial Ltd about the debt owed.
The only time you do not have to reply to Lowell Financial is if you request proof that you owe the debt and they fail to provide it. But you should keep copies of your requests for proof to show a judge, just in case they go to court.
Remember, just because you reply doesn’t mean you are agreeing to anything or losing control. Replying to negotiate a repayment plan to repay your debt can avoid further problems.
Can I stop Lowell Financial from contacting me?
Yes! You can provide contact preferences to reduce the number of calls and texts you receive. If they don’t respect these wishes you could make a complaint to the FOS.
Moreover, you can send a cease and desist letter to stop all calls and texts. But when you do this, it is more likely that Lowell Financial will take you to court as this might be their only option left.
If you’re looking for a way to stop contact from Lowell Financial and 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:
Do Lowell Group Debt Collection Offer Payment Plans?
Lowell Financial, along with nearly all debt collection companies in the UK, will offer some type of repayment plan if you cannot afford to pay the full debt.
As they are regulated by the Financial Conduct Authority, they must be considerate to your circumstances and repayment options.
If Lowell Financial has proved you owe the debt they purchased, a payment plan might be a good option.
If you don’t have the full amount you owe but you do have the majority of it, you could offer a settlement offer and clear the debt for less. But it’s worth noting, this could be reflected on your credit file and cause problems securing credit in the future.

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:
- Individual Voluntary Arrangements
- Bankruptcy
- Debt Relief Orders
- Settlement Agreements
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 Lowell Debt Collection debts with this law, read our Statute Barred guide with free letter template.

Can I pay Debt Collection Agencies with my credit card?
Lowell Debt Collection should accept credit cards. But before you dig out your wallet, I recommend reading this guide on using a credit card as a loan.

How do I make a complaint about Lowell Debt Collection Company?
The fastest way to complain about Lowell Financial 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, 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 Lowell.
The FOS have a lot of authority and can make a big difference if your complaint is justified.
Lowell Solicitors Fake CCJ?
There’s a lot of talk online about Lowell Solicitors sending out fake CCJ letters. Of course, it’s hard to say if each of these stories is accurate, but if you do receive a letter from Lowell claiming that you have a CCJ against you, then the first thing to do is check your credit report. Any real CCJ will show up on a credit report, so you’ll know quickly whether it’s already active or just a threat.
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:
Email address: [email protected]
Postal address: PO Box 1411, Northampton, NN2 1BQ
Office Address: Ellington House 9 Savannah Way, Leeds Valley Park West, Leeds LS10 1AB
Below are the best times to try to contact Lowell Financial.
Monday – Thursday: 8:00 am – 8:00 pm
Friday: 8:00 am – 7:00 pm
Saturday: 9:00 am – 2:00 pm
Other addresses-
PO Box 201 Huddersfield hd8 1ep
PO Box 189 Huddersfield hd8 1dy
Lowell Group Debt Collection FAQs
References
CONC 7.9 Contact with customers
Do you know your debt free date?
Affordable repayments with an end date in sight
Reduce pressure from people you owe money to
Stop interest and charges from soaring