Do you owe money to Lowell Financial Ltd?
If you have debts of over £5000, you may be able to write off your debt with an IVA

Lowell is the name for a group of companies involved in debt collection and debt management, that is based in Leeds, England. Lowell Portfolio 1 Ltd lead on debt purchase from other companies and then Lowell Financial Ltd manage that debt and organise repayments with customers. The companies within the Lowell group are authorised and regulated by the Financial Conduct Authority (FCA) to collect debts in the United Kingdom.

If you have received a letter or a card from this debt collector, contact us immediately for independent, confidential and free debt advice.

We will explore all of your options, and aim to stop this debt collector from being able to take any further action against you. But you must act quickly! Our advice is 100% free, and we aim to help you as swiftly and efficiently as possible. Just let us know the details of your situation and we will play our part.

So, let’s find out more about Lowell and how they work.

Will Lowell Financial Ltd come to my house to collect debts?

Lowell may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the person who is the named debtor, but for the entire family. These methods can have a detrimental effect on your mental and physical health, and to the people around you.

These are all common tactics which Lowell group use to get in touch with the people who owe them money. If you do not appoint a debt company to represent you, this may continue and cause you significant worry and stress.

As a long-established independent debt website, we have a vast experience of dealing with creditors such as the Lowell group. We understand the impact that Lowell harassment has and the other tactics that they use, and we can work with you to get them to stop.

How will Lowell chase me if I don’t pay?

Creditors such as Lowell group use computer analytics systems (often known as customer relationship management systems) to keep on top of their debtors. They usually follow a debt process which will make them the most profit. These methods can feel aggressive, and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues; intimidation.

The first point of contact which Lowell Financial Ltd may use will be an introductory phone call and letter. This communication is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges or penalties which may have built up and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are generally:

  • A home visit
  • A county court judgement (CCJ), issued by Lowell Solicitors if you fail to repay the debt within this tight deadline
  • A threat of bankruptcy (usually if the debt is over £750)

Letters like this are very standard with every credit provider and not just Lowell Financial Ltd. It is essential not to take these letters personally. There is help at hand, but you need to act quickly.

If the Lowell group has contacted you, contact us immediately, and we will try to deal with them on your behalf.

This is how we help…

When you first contact us, you will notice that all of our employees have significant experience in dealing with creditors such as Lowell Financial. As one of the largest debt websites in the United Kingdom, we pride ourselves on dealing with a high amount of debt-related queries in an empathetic, effective and speedy fashion.

We request reviews from every single customer who we help. Some of our customers have given very detailed feedback on how we have helped them and how it has completely changed their lives, in a short space of time. So please check out these reviews and see for yourself!

We deal with a variety of debt solutions and a wide range of debt companies. Our vast experience means that you will always find the best debt solution for yourself, without exception. As do not have ties to any one particular company, we can work hard to ensure you repay the very minimum that you need to.

What rights do Lowell Financial Ltd have?

Any company which chases consumers for outstanding debts has to follow a strict code of conduct. In our opinion, this code needs significant changes as it seems to rely on intimidation; for example, in the way that field agents visit your home. The field agents are usually male, large in stature, and they try to command authority with their tone of voice and actions.

In reality, companies such as Lowell Financial Ltd are only interested in collecting as much money back in debts as they can. The welfare of the debtors is usually the last thing on their mind.

Lowell Financial can exercise the following rights:

  • They can send letters to addresses where they think that you live, including new addresses which you have not provided to them
  • Lowell Financial can call you on phone numbers which they believe you to have access to
  • Lowell Financial can come to your home, or appoint representatives to visit you at home
  • Lowell Financial can add charges, interest and penalties in accordance with the original agreement you entered into
  • Lowell Financial may have the “right to offset”. This right usually applies in situations when you have a debt with a bank, but you may also have money held within that same bank, for instance, a credit card and a current account
  • If you do not pay on time, the company may register a default on your credit file. The default registration process can happen very quickly, but you should receive notice of this upfront. If you receive a default on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • Lowell Financial may pass your case to Lowell Solicitors who can apply for a county court judgement (CCJ). If you receive a CCJ on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • If your debt with Lowell Financial is over £5000, they can issue a statutory demand. The demand is usually the first step in petitioning for your bankruptcy. You would need to appoint a legal representative (usually a solicitor) to represent you in these circumstances.

What rights do I have against Lowell Financial Ltd?

As a citizen of the United Kingdom, you have a number of rights to protect you and your family’s wellbeing.

  • Lowell Financial can not harass you. They can contact you as many times as they want as long as this is ‘reasonable’. There is no concrete definition of what constitutes ‘reasonable’, but you should not feel harassed by the company. However, you cannot use this as a defence to avoid repaying your debt. You can ask that Lowell Financial only contact you in writing, but if you make this request, you must be responsive to their letters.
  • Lowell Financial cannot speak to your family, friends, visitors or neighbours about your debts. This rule is in line with UK data protection laws.
  • Lowell Financial cannot pretend that they have powers which they do not possess. In the past creditors have used documents which look like an official court document. A law has passed to prevent this from happening now.
  • Lowell Financial cannot use an approach that is threatening, abusive or tell lies to collect debts.

If you are worried about the way Lowell Financial is contacting you, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”. We can offer you free advice, research and resources for dealing with the company, no matter what your situation is.

Lowell Financial Ltd Frequently Asked Questions (FAQs)

What happens if I ignore my debts with Lowell Financial?

If you ignore your debts with Lowell Financial, they have the choice of a number of different approaches.

Lowell may make a court claim against yourself. This action is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form through the post, and you would either have to pay the money in full or dispute the bill. If you dispute the bill against Lowell Financial Ltd, you should take legal advice, as a lot of defences will not work in this situation.

Is Lowell a debt collector?

Yes, Lowell Financial manages debts that originate from a number of other creditor companies including:

  • Mobile phone businesses
  • Banks
  • Household bills from utility companies

Once the company has sold your debt, you no longer work with that business to manage your debt; the collection agency takes over and will communicate with you about your repayment plans.

write off

It may be possible to write off any debts that you have with Lowell group if you have a total of £5000 or more of unsecured debts. The total debt balance can include loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.

What is Lowell group?

Lowell group is comprised of the following companies that are authorised and regulated by the Financial Conduct Authority:

  • Lowell Portfolio 1 Ltd (FCA number 730071) who work with other companies to take on their debt
  • Lowell Financial Ltd (FCA number 730175 who manage these debts and work with customers to agree to repayment plans.

The Lowell group registered offices are at Ellington House, 9 Savannah Way, Leeds, LS10 1AB.

Who do Lowell Financial Ltd collect for?

Lowell Financial Ltd are a collections agency, which means that they can buy debts from a number of sources and legally pursue them. Some of the most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.

Can Lowell take me to court?

Yes, Lowell have the option to make a court claim against your debt. If the company takes this action, then you will receive notification by post. If you receive a notification you have two options:

  • Pay the bill
  • Dispute the bill.

If you decide to dispute the claim from the Lowell group, then we recommend that you take legal advice to guide you on the best way to proceed with your dispute.

How can I contact Lowell Financial?

You can contact Lowell Financial in the following ways:

  • Postal address: Ellington House, 9 Savannah Way, Leeds, LS10 1AB
  • Phone number: 0333 556 5550
  • Online: register for an account and use your Lowell log in to make a contact
Are Lowell group regulated?

Yes, Lowell Portfolio i Ltd, and Lowell Financial Limited are authorised and regulated by the Financial Conduct Authority.

The registered office address for Lowell Group is Ellington House, 9 Savannah Way, Leeds, LS10 1AB.

What if I have a complaint about the Lowell group?

If you have complaints regarding Lowell, then you call their dedicated Customer Relations phone number on 0800 542 0058 on weekdays between 8 am and 6 pm. The Lowell group companies are authorised and regulated by the Financial Conduct Authority, so if you are not satisfied with how they handled your complaint, then you can contact the Financial Ombudsman Service as follows:

Who are Lowell Solicitors?

If you have debt accounts with Lowell, then you may receive a communication from Lowell Solicitors if you have not replied to their messages. This legal firm provides knowledge, litigation and services relating to debt recovery to the Lowell group of companies. If you fail to respond to the solicitors then they may begin more formal legal proceedings that could result in a County Court Judgement (CCJ), and in the worst cases, action from bailiffs if you do not pay a CCJ. If your debt moves to this legal firm, then you may incur a further interest rate and charges on top of your debt balance.

How do I pay Lowell Solicitors?

If you receive contact from this company, then you can call us immediately from independent, free advice. Lowell Solicitors will ask you to pay in one of the following five ways:

  • Pay online by registering an account and calculating your budget and what repayment plan you can afford
  • Call them on the number they provided in their correspondence
  • Bank transfer
  • Direct debit or Standing order
  • Recurring debit card payments
What is Lowell’s address?

Lowell’s registered office address is Ellington House, 9 Savannah Way, Leeds, LS10 1AB.

Are Lowell Financial a legitimate company?

Lowell Financial Ltd incorporated in England and Wales in October 2002 under company number 04558936, with a registered office at Ellington House 9 Savannah Way, Leeds Valley Park, Leeds, West Yorkshire, LS10 1AB. The company, therefore, has significant experience as a debt collection agency.

Lowell Portfolio 1 Ltd incorporated in August 2003 under company number 04857418. The company uses the same registered office address in Leeds.

They are a legitimate company. You can find out more insights on them, their practice and views from their clients on the independent review site, Trustpilot.

What if I can’t afford my debt repayments?

Lowell state that they will not expect customers to repay their debt with a payment plan that they can not afford. They offer a budget calculator to help you assess your expenditure and provide information on the best way to repay the debt. The company operates under ‘The Lowell Way’, which is their commitment to offer ‘a better way for everyone’ to manage their credit.

Are Lowell based in the UK?

Yes, Lowell operate as debt collectors in the UK, and the company’s registered office address is in Leeds.

What is a CCJ?

A CCJ is a County Court Judgement, which is a formal legal decision made by a County Court, which involves the Court instructing you to repay the debt.

The Court records CCJs, if a debtor does not repay what they owe in full within one month of the CCJ notice, on a publicly accessible register called the Register of Judgments, Orders and Fines. A CCJ will appear on a personal credit report for six years, and reduce the individual’s chances of securing credit in the future.

If a creditor makes a court order against you, they can also apply for a charging order, which secures the money you own on your assets, such as your house.

How can I repay my debts with a third party debt collection agency?

If you have received a letter or a card from a debt collector, contact us immediately for independent, confidential and free debt advice. Our understanding team will support you with the respect and performance that you need.

The debt collection company may offer you a budget calculator to help you estimate the best way to repay your debts, for example, through a payment plan. Most debt collection agencies will give the choice of a number of payment methods, including:

  • Online payments
  • A phone number to call
  • Bank transfers
  • Cheque
  • Direct debit
  • Standing order

When selecting a payment plan, it’s crucial to choose a way that is most affordable based on your income, such as wages, and financial obligations. If you fail to pay instalments on a debt repayment plan, then this could lead to further fees and legal action. Do not ignore communications from debt collectors as they can spiral into a crisis, and put additional stress and costs into your life.

If you have a question about anything to do with a debt collection agency that is contacting you, then you are of course welcome to contact us. We pride ourselves on excellence and support lots of clients in this way. We receive many messages of thanks for our services.

What is an IVA?

An Individual Voluntary Arrangement (IVA) is a formal agreement in place between a consumer and creditors to pay part or all of a debt. For example, an individual may owe money to banks, HMRC, utility companies and the council; the insolvency practitioner would make an arrangement with each creditor for the duration of the IVA.

To understand more about the essentials and features of an IVA you can speak to a member of our team.

How has Covid 19 impacted debt collection?

The government has encouraged lenders to support any member or consumer that has fallen into difficulty with a loan at this challenging time, through methods such as payment holidays.

Is Carey Lowell involved in the Lowell group?

Carey is an American actress, and we are not aware of any relationship between her and the company.

Thomas James

Senior Debt Specialist at IVA Advice

I am a Debt Specialist with over 10 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry.

I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on debt matters.

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