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The Lowell Group

Many of our customers face dealing with a single debt collection agency. This guide offers information about Lowell Financial Debt collectors.

If you have recently received a letter, phone call or a visit from a Lowell Financial you may be wondering why and what steps you should take next.

Here we offer an insight into the contact details of Lowell Financial as well as advice and guidance about the process of managing a debt that has been passed into the debt collection company.

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Why choose Creditfix?

  • Write off unsecured debts over £6,000
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Who is Lowell Financial?

Lowell Financial is a company that buys existing debt from a wide variety of businesses, including phone bank, insurance and retail companies.

It is one of the UK’s largest collection agencies and deals with more than 700,000 people every year.

Lowell Financial is authorised by the Financial Conduct Authority (FCA) and is a member of the Credit Services Association. Other accolades also include gold status for customer service from Investor in Customers.

 

Why am I being contacted by Lowell Financial?

Lowell Financial buys existing debt from several different companies. If the company, you have owed money to have sold the debt to Lowell Financial you will owe the money to them instead.

Companies may sell your debt if you have failed to adhere to the conditions of a loan or credit agreement or you have been unable to stay on top of repayments.

Lowell Financial, like any debt collection agency, will use a range of methods to recover the money owed. Tactics can include home visits and court action, making it important to take action to handle the situation sooner rather than later.

What companies use Lowell Financial?

Lowell Financial acts on behalf of a range of big name companies across a range of sectors.

If you owe money to companies such as O2, Littlewoods and Capital One you may receive contact from the company.

Can Lowell Financial take me to court?

Yes. Lowell Financial is known to obtain County Court Judgements, also known as CCJs, in a bid to reclaim overdue payments. When the company applies for a CCJ with the court it is then able to start enforcement action.

Lowell will often issue CCJs through BW Legal or Lowell Solicitors.

If you receive a CCJ from this company it is vital that you don’t ignore it. If you bury your head in the sand, Lowell can and will instruct bailiffs to your home to collect the money you owe them and can apply for an attachment of earnings or statutory demand.

Do you have debt with
Lowell Financial?

How much debt do you have?

£10,000+ £6,000 - £10,000 £2,000 - £6,000 £0 - £2,000

What action can Lowell Financial take against me?

Lowell Financial can get in touch with you in order to arrange a payment plan and can get in touch in writing, or by telephone.

They will typically reach out in writing encouraging you to contact them by phone to arrange payment. If this fails they’ll then write to you threatening to visit your home before writing again to offer a court settlement.

If they still don’t find a resolution the company will threaten to take you to court to obtain a CCJ or make you bankrupt.

However, despite being able to take the actions above, it’s important to be aware that they cannot do the following:

  • Enter your property
  • Repossess any of your belongings
  • Issue a warrant for your arrest or have you sent to prison

A debt collection company should never leave you feeling threatened and you shouldn’t fear physical violence or intimidation.

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I don’t think I owe Lowell Financial any money

If you receive contact from Lowell Financial and aren’t sure if you owe the company any money, it’s important to raise this as soon as possible.

If you’re being chased for payment by a debt collector or agency they should make it clear what debt they are pursuing. If you’re unsure about what debt they are chasing it’s important to be aware that you’re entitled to ask them for further information.

The company is required to provide proof of the debt owed if they can’t then you don’t need to pay.

You should also check how old the debt they are collecting is – it could be statute barred which means you no longer owe it.

If you live in England or Northern Ireland, if a creditor hasn’t taken action on debt in a period of six years it is then deemed ‘unenforceable’, also known as statute-barred.

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What should I do if Lowell Financial contacts me?

If you hear from Lowell Financial, the most important thing is that you act as soon as possible.

No matter whether it’s replying to written correspondence such as an email or letter or speaking on the phone, it’s important to engage with Lowell Financial if they get in touch. Hiding from the issue won’t make it go away and it’s important to deal Lowell as soon as possible if you hear frim them.

If you’re unsure about the best way to manage the situation and you are no longer able to manage your payments, our expert team is on hand to offer support and guidance. They can talk you through the process of finding a debt solution that will offer financial breathing space and allow you to repay what you owe using one affordable monthly payment.

To discuss your debt with one of our team today, just join the chat in the bottom right of your screen, or click the ‘Find out if I qualify button’ to take our short debt questionnaire and start an enquiry.

How do I contact Lowell Financial?

Lowell Financial also goes by the names Lowell Portfolio 1, Lowell Debt Recovery and  The Lowell Group

Their address is:

PO Box 1411

Northampton

NN2 1BQ

Their main contact number is: 0333 556 5701

Website: www.lowell.co.uk

Email: [email protected]

 

 

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