Lowell Telecom on Credit Report – Who Are They?

If Lowell appear on your credit report, it likely means they’ve bought a debt you owe.

We know this sounds concerning, but don’t worry, you’re not alone. Each month, over 170,000 people seek guidance from our website on debt issues.

In this article, we’ll:

• Discuss why Lowell might be on your credit report.
• Guide you on how to clear your Lowell debt.
• Explore if you can write off some Lowell debt.
• Provide Lowell Telecom contact details.

Research reveals that about 64% of adults feel stressed when dealing with current debt collectors¹, and some of our team have even been there. So we understand how you feel.

We’re ready to provide you with useful information. Let’s explore your options and find the best way to deal with Lowell.

Why is Lowell on your credit report?

Once Lowell purchases a debt you owe, they become responsible for reporting the debt to credit reference agencies. 

However, they cannot start reporting to credit reference agencies on the debt until they have sent you a Notice of Assignment letter. This is a letter to inform you that they’re now the company that owns your debt. 

If you don’t keep up repayments on the debt or miss payments as part of a payment plan, the debt collection agency could decide to record payment defaults on your credit file.

This is why we always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

How do you clear the debt?

You can contact the company to clear your Lowell debt. But if you don’t recognise the supposed debt, you can ask Lowell to prove you owe the debt first.

We have made this easier with our prove the debt letter template.

If they don’t provide you with proof of the debt and decide to take you to court for a CCJ, you can tell the judge you requested proof and nothing was returned.

The debt was proved – now what?

If Lowell proved the debt, they could take you to court if you don’t pay.

With proof, it’s highly likely that a court would issue a CCJ against you, which is a court order for you to pay Lowell. 

If you don’t pay them after a CCJ has been awarded, Lowell could ask for a special warrant. This would enable debt enforcement officers to recover the debt, possibly by coming to your home and taking valuable items to be sold. 

Lowell Telecom on credit report – for how long?

If you have Lowell Telecom on your credit report, it will remain there for six years whether you do or don’t pay off the debt.

After six years, the record is automatically removed from your credit file. 

During the time that it’s on your report, it will be harder to get approved for credit, or you might be approved but asked to pay a higher interest rate as part of your loan or credit card. 

» TAKE ACTION NOW: Fill out the short debt form

Can you ask them to remove a default?

Yes, you can ask Lowell to remove a default on your credit file.

Lowell must agree to remove the default if you can prove they have made a mistake. 

If Lowell doesn’t remove the default in good time, you can raise the issue with credit reference agencies and ask them to remove it directly instead.

But you must ask Lowell to remove it first!

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

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Lowell Telecom Contact Details

References

1. InDebted Debt Collectors Survey
2. StepChange Creditor and Debt Collector Conduct, July 2016