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Lowell Financial

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Who are Lowell Financial?

Lowell Financial are a debt collection company based in Leeds, England. They are a part of the collective Lowell Group which includes Lowell Limited, Lowell Solicitors and Lowell Portfolio 1 limited.

Lowell Financial buy existing debts from a wide variety of different companies including banks, telecoms, insurance and retail companies. It is one of the UK’s largest collection agencies and deals with more than 700,000 people every year.

Their full company name is Lowell Financial LTD, Company registration number 4558936 and are registered in England and Wales. Registered office: Ellington House, 9 Savannah Way, Leeds, LS10 1AB.

How to contact Lowell Financial?

Lowell Financial telephone number:

0333 556 5552 





Lowell Financial postal address:

Ellington House, 9 Savannah Way, Leeds, LS10 1AB

Can you help me deal with Lowell Financial?

Yes. Here at PennyPlan we specialise in helping people dealing with their debt problems. We offer a holistic approach to debt solutions and will only ever discuss options that are relevant to you based on your own financial circumstances.

We have helped many customers deal with debt collectors, including Lowell Financial. We guide our clients on their journey to get them the desired resolution, with some even writing off a percentage of the debt they owe.

Are Lowell Financial legitimate?

“Are Lowell Financial legit?” is a question we’re often asked. The answer is yes, they are legit. They are authorised and regulated by the FCA (Financial Conduct Authority).

This means they must abide by all laws set out to credit providers in the UK. These rules establish the minimum standards that companies like Lowell Financial must meet to be considered trustworthy debt collectors.

Who do Lowell Financial collect debts for?

Lowell Financial are a debt collector who work for several utility, telecoms, loan and credit card companies amongst others in the UK. If you owe money to companies such as O2, Littlewoods, Capital One, Three Mobile, Tesco Mobile, Oakbrook Finance, Shop Direct, Studio, Vanquis, JD Williams, British Gas, Sky UK or EDF Energy you may receive contact from the company.

Why are Lowell Financial contacting me?

If you have been contacted by Lowell Financial this is because one of the company’s they represent is saying you owe them money. This can often be a confusing time as you might not be familiar with the company name.

Creditors often do not make it clear, or even sometimes they will not make you aware that they have passed the debt on to a company like Lowell Financial, so it can come as a bit of a shock or catch you off guard when they contact you. 

If you are worried about dealing with Lowell Financial then let us help you with them.

Click ‘Contact Us Now‘ below and we will give you a call straight away.

How will Lowell Financial get in touch with me?

Their contact will usually start with them sending you basic letters requesting you get in touch with them by phone to arrange payment, but this can quickly escalate into letters threatening to visit your home.

They will also try to contact you by phone and have numerous different telephone numbers. Some of the more common ones used when chasing debts are: 0333 556 5836, 0333 556 5552 & 0333 556 5570.

They will call repeatedly throughout the day on the hope of catching you when you are available to talk but generally, they will not leave a message if you do not answer.

If they don’t receive contact from you within a certain amount of time they may pass this on to solicitors, who in turn will begin to attempt to contact with you.

What should I do if Lowell Financial are contacting me?

If Lowell Financial are contacting you, the first thing you should do is take impartial advice from a specialist in dealing with debt collectors like PennyPlan. We will take you through a short telephone consultation to understand your situation from a neutral point of view, we can help you understand whether you are liable to pay the debt and help you understand what options you have to repay towards this debt, if you can afford it.

Click ‘Contact Us Now‘ below and we will give you a call straight away.

The important thing to remember with ourselves is we are on your side. We will take you through a process known as an income & expenditure to understand fully your financial situation and then we will talk to you about which options are available to you to take care of your debts.

How to deal with Lowell Financial?

Don’t ignore the problem as it won’t go away. If a debt collector like Lowell Financial is involved the issue needs dealing with…they will take further action should you not reply! The first thing to understand, is that you do actually owe the money you are being chased for.

It is up to Lowell Financial to prove that this is the case. This should be proven by them providing the original credit agreement with your signature on it. You can request this either over the phone if you do decide to take their call or if you would rather not speak to them you can also send this request off in writing to them.

It is very important when you communicate with them if you do so by post, you should type your name instead of signing it. This is so you do not provide them with a new copy of your signature, and they can only provide this if they do have an original credit agreement proving you owe the debt.

If you do not owe the debt, you should receive communication from Lowell Financial to state they have dropped this claim against you and they will no longer be chasing you regarding this debt.

If you do genuinely owe the debt, then you should look at ways to pay it back and we can help you explore your options as there are a number of different ways to do so depending on eligibility.

Click ‘Contact Us Now‘ below and we will give you a call straight away.

Can Lowell Financial take me to court?

The short answer to this question is yes, any debt collector can take you to court if you owe them money but there are strict legal processes in place which they must follow before it would ever get to that stage.

Initially, they are required to send you a warning letter, typically in the form of a default notice, to inform you of their intention to take legal action. It is crucial to take prompt action upon receiving a default notice to prevent the situation from escalating. A default can harm your credit score.

Once a default notice has been issued, and only after that, a debt collection agency can serve you with a claim form. Subsequently, a County Court Judgment (CCJ) may be issued against you, which will remain on your credit report for a duration of seven years.

We would always recommend getting in touch with the debt collector before it gets to this stage to see if you can deal with things before they escalate any further. We can help you deal with this process and we can discuss which debt solutions can offer legal protection which will stop legal proceedings if they are not already too far gone. The key part of this process is speaking with us as soon as possible to see what options you have.

Click ‘Contact Us Now‘ below and we will give you a call to help you deal with this process.

Do HMRC use Lowell Financial?

No, Lowell do not collect on behalf of HMRC.

Does Lowell Financial affect credit score?

A lot of clients ask us the same question. If you have a debt with Lowell Financial this is because you have not kept up with your agreed repayments. A single late or missed payment might impact your credit score in a negative manner.

Lowell Financial get involved when your account goes into default which is usually after 3-6 months of arrears.

Although the default on your credit file will drag your credit score down, all hope is not lost. There are a number of things you can do over time to try to offset the impact this has.

If you would like to discuss your options and talk about how we can help with a debt solution click ‘Contact Us Now’ to arrange a call.

Still unsure or want to know more?

That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.

At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.

So, get in touch today and start living better with PennyPlan.