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Lowell Telecom on Credit Report – Who Are They?

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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 19th, 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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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.

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

I 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.

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.

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 I 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 your Lowell 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.

Lowell proved the debt – 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. 

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

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 Lowell 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.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Lowell Telecom Contact Details

Website: www.lowell.co.uk 
Phone numbers: 0333 556 5835
0333 556 5570
0161 968 7065
0333 344 6379
0333 556 5902
0333 556 5847
0333 556 5562
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
Opening times: 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
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 Collectors Survey
  2. StepChange Creditor and Debt Collector Conduct, July 2016
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.
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