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Do you owe Lowell Financial? Get Help Here

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

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Who are Lowell Financial?

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

Companies frequently sell debts that are in default, for example, 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. If you owe money to companies such as O2, Littlewoods, or Capital One you may find yourself being contacted by Lowell Financial.

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

If you are struggling to pay your debts, and worried about messages you have received from Lowell Financial or any other debt collection agency then you can call us on 0800 169 1536 or we’ll do our best to connect you with free debt advice and support. Alternatively, it may be appropriate for you to consider doing an Individual Voluntary Arrangement (“IVA”) with us which could enable you to write off a proportion of your debts.

No matter what your financial circumstances are, there is always a way debt solution to improve your situation. Lowell Portfolio adhere to the Credit Services Association code of conduct to ensure they have adhered to their rules.

Are Lowell Financial / Lowell Portfolio a genuine company?

Yes, Lowell Financial debt collectors are authorised and regulated by the Financial Conduct Authority. One way for you to check this is by searching the databases for Companies House and the FCA.

The company’s official information is:

  • Company Number: 4558936
  • Registered Office Address: Ellington House, 9 Savannah Way, Leeds, West Yorkshire, LS10 1AB

If you are dealing with Lowell Financial, you may also come across the company name Lowell Portfolio I Ltd, which is a business that buys debts from other companies. Lowell Financial Ltd then acts as a debt collector for these debts. The official company details for Lowell Financial are:

  • Company Number: 4857418
  • Registered Office Address: Ellington House, 9 Savannah Way, Leeds, LS10 1AB (the two companies both use this address for official purposes.

Lowell Portfolio is also authorised and regulated by the Financial Conduct Authority.

What sort of debt do Lowell Financial collect?

If Lowell Financial Ltd is pursuing you, you probably have one or more of the following sorts of unsecured debt, they buy debts such as:

  • Utility bills such as water, gas and electric
  • Credit card debt
  • Unpaid overdrafts
  • Overdue phone bills
  • Delinquent loans
  • Store cards
  • Other retail companies

Lowell Financial buy up debts for a fraction of what they can collect from the loans themselves, minus the cost of collecting it. They then try to find a solution so that you will repay the money.

What about Lowell Solicitors?

If you do not reach an agreement with Lowell Financial Ltd or a debt collection agency, they may pass your debt to their legal department; Lowell Solicitors.

If Lowell Financial transfer your case on in this manner, it usually implies that things have got more serious and you may expect formal legal proceedings such as a statutory demand and action through the courts. You possibly need to look for a debt solution. If you need to contact the solicitors directly, Lowell debt recovery details are:

Is it possible that Lowell will take me to court?

Yes. If you don’t communicate with Lowell Financial Limited, they may pass your case on to Lowell Solicitors Limited. This firm is responsible for the legal affairs of the Lowell Group. Now that Lowell Financial Ltd has ended its involvement with your account, the only way forward is to contact a solicitor company directly.

If you don’t pay your debt in full within 30 days or come to an agreement with Lowell Solicitors, they will file a “letter of claim” informing you that they have taken on your account and asking for payment or confirmation. If you do not make an agreement, Lowell Solicitors will proceed with a court order to collect debts.

1) You will be sent a County Court Claim Pack regarding your debt that includes an option to repay or demand additional time to pay. If the debt does not belong to you, you have the choice to dispute it, but doing so at this late stage of the debt collection process might be difficult; therefore, you must have convincing proof that the debt is unjust

2) If you don’t respond to the County Court Claim Pack, or ask for too lengthy a period to repay your debt, you may be issued a County Court Judgment (CCJ). Unless you pay your debt in full within 30 days of the court awarding it to Lowell Solicitors for your case, the CCJ will stay on your credit file for 6 years.

Do not let your Lowell Financial debt problems get worse. Contact us on 0113 237 9503 and our team at Become Debt Free We’ll do everything we can to assist you in regaining control of your financial state.

I’ve recently been served a charging order notice.

If Lowell Financial take you to court and wins a judgment, they can request for a “charging order,” which would secure your debt against your property such as your house. This is a very serious situation because it might result in them obtaining an “order for sale” through the courts, allowing them to force you to sell your home.

Do not let your situation escalate to this stage. Contact a debt advisor from BDF by calling 0800 169 1536, and they will do their best to point you in the right direction and connect you with free advice. Our commitment to professionalism and knowledge has earned us a solid reputation among clients. We can help you discover a solution for Lowell Financial because of our industry experience.

Is it possible for Lowell Financial to call in bailiffs?

Yes. If Lowell Financial obtains a court order, they may choose to take enforcement action against you and your property by sending bailiffs to your home.

If a bailiff comes to your home, you have the following rights:

  • They can only come between 6 am and 9 pm.
  • They can not enter your property if no adults are present.
  • They can’t enter unless they have no other choice, and they must do so only as a last resort when collecting specific sorts of debt such as income tax, stamp duty, or criminal fines.
  • You have the right to see their ID and proof of who they are representing. You don’t have to let them in if you do this. Requesting documentation from them by way of a window is an option.
  • The bailiffs can not discuss the details of your debt within anyone except you, in accordance with the Data Protection Act.
  • If you decide to let the bailiffs into your property, then they can not seize certain essential items such as bedding, kitchen appliances, things that do not belong to you (but you must prove this is the case), or items that are essentials for your work, up to a specific value.
  • During the Covid-19 pandemic bailiffs had to limit their activities while families were dealing with exceptional financial and health pressures.

We recommend that you do not let bailiffs into your home to avoid having your belongings taken. If you contact us right now at 0113 237 9503, we’ll try our best to manage the situation and relieve some of your burden.

Is it lawful for enforcement agents to barge in through my door?

No. Bailiffs are not permitted to enter your home without your agreement under normal circumstances.

If they’re collecting for HMRC or for criminal fines, they do have the authority to enter homes using “reasonable force.” This usually entails entering through an open window or hiring the services of a locksmith to gain access.

Can Lowell Financial harass me?

Clients frequently comment on our website that they feel harassed and even bullied by Lowell Financial You should not have to deal with this sort of treatment. The legal environment in which debt collection agency firms operate has become more stringent, but many of their methods still appear to rely on fear in order for individuals to pay.

You can only be called a ‘reasonable’ amount of times in any given day by the firm, but it’s rather flexible.

It is perfectly legal to ask that Lowell Financial Debt Collectors or any other debt collection agency only contact you through writing, which may be less disruptive and stressful. However, do not ignore these emails because the collectors’ actions will worsen and you could be subjected to additional costs and litigation as a result.

If you need help dealing with a debt collector please don’t hesitate to contact us on 0800 169 1536.

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How can I contact Lowell Financial Ltd?

If Lowell Financial Ltd or any other debt collection company are demanding payment from you, the first step is to ensure that the debt is yours rather than someone who previously lived at your address.

If you know the debt to be yours, we recommend that you first contact a debt expert at to see if there is a solution for you from the debt collector.

If you would prefer to contact Lowell Financial directly, then the best contact information to use is as follows:

  • Phone number: 0333 556 5550
  • Email: None listed
  • Address: PO Box 1411 Northampton NN2 1BQ
  • Registered office address: Ellington House, 9 Savannah Way, Leeds, LS10 1AB
  • Online enquiry form: Available at
  • Register for an online account: Available at (keep a record of your Lowell Financial log in information for future visits)

How can I get Lowell Financial off my back to stop harassing me?

A debt collector like Lowell Financial, for example, employ cutting-edge technology to keep track of every debtor and are unlikely to forget about your debt. The most effective methods to avoid being pursued by Lowell Financial and any other debt collection company are:

  • If you can, pay off the debt owed in full.
  • If you have the cash, negotiate a payment plan with them.
  • To find other debt solutions, such as an IVA, which makes unaffordable debt more affordable. To check if an IVA is a suitable option for you please contact our team on 0800 169 1536.

The worst thing you can do if you’re experiencing issues with Lowell Financial is to disregard their letters and other communications.

How can I pay Lowell Financial?

First of all, check that the debt letters from Lowell Financial does relate to a debt owed, and is an amount that you recognise. If you feel overwhelmed by debt and owe multiple creditors a total of more than £7,200 of unsecured debt, then you may qualify for an Individual Voluntary Arrangement, also known as an IVA. To find out more please contact our team on 0113 237 9503.

If you have the money to pay Lowell Financial back, this is most likely the easiest way to prevent them from pursuing you. You may repay your debt using Lowell Financial’s services in one of the following ways:

  • Lump-sum payment
  • Payment plan, which Lowell Financial would need to approve. Customers have access to a budget calculator to calculate what debt payment plan amount will work within their budget. For example, you can check that your debt repayment plans allow you to have sufficient money for your household bills.
  • Direct debit
  • Credit cards
  • Bank transfer
  • Debit card
  • Cheque made payable to Lowell Financial.

You can make a payment online or call Lowell Financial on 0333 556 5550.

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If I have a debt payment plan with Lowell Financial, can I make further payments to my debt?

Yes, you may make extra debt repayments at any time without endangering your agreed debt repayment strategy. Making extra payments will help you pay off your debt sooner to lowell financial.

Can I trust Lowell Group?

It’s difficult to locate a firm that you can trust when you’re dealing with debt collectors. Debt collection firms are typically only concerned with the amount of money they may collect, rather than the needs of their debtors.

At the time of writing, Lowell Financial have a couple of profiles on Trustpilot, which is a website that collects independent reviews from customers. The first profile has a poor score of 1.7. out of five and the other has an good score of 4.4 out of five. The comments from debt customers include stories of bullying, harassment and disputes, but there are positive reviews as well.

I’ve been treated badly by Lowell Financial Ltd and need to make a complaint

Unfortunately, we hear from many clients who were mistreated the debt collection agency. You should first submit a complaint to Lowell Group through the following channels:

If you’re dissatisfied with how Lowell Financial has handled your complaint, consider the following example. You can go further because Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority. Send your complaint to the Financial Ombudsman Service (FOS) in one of the following ways:

Keep a record of any communication you send to Lowell Group or the FOS regarding your complaint. Also take a look at the Credit Services Association code of conduct to ensure they have adhered to their rules.

Where can I get debt advice?

At Become Debt Free, we can help you get the right debt solution and debt relief you need, with free and independent debt support. Our employees have a great deal of knowledge on various debt solutions, and they love to help people get their life back on track after struggling under debt pressures.

We treat each and every one of our clients with respect, and we enjoy reading the thank you notes and excellent feedback that we get from them.

If you are dealing with stress and worry related to the money you owe, remember there are lots of options as long as you find the right sources of support. Our team at BDF are at hand to help you and your family to find the best way of dealing with your financial problems.

How do I calculate what payments I can afford with Lowell Group?

The Lowell Group has a budget calculator on its website that allows you to compute your overall income and monthly costs as well as anticipated future expenditures, so you can determine what funds you have available.

If you have debt repayments for Lowell Group and over forms of credit such as a loan or credit agreement, it’s easy to become overwhelmed and find that you don’t have sufficient funds to make acceptable payments. In these cases, you could consider the services of an IVA company who can work with your lenders to come to an agreement on how much debt you are able to repay.

To see if an IVA or other debt solutions are suitable for you please get in touch with us. Our team at Become Debt Free are here to help guide you and answer questions about anything related to IVAs. Speak to a debt specialist now.

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Will Lowell Group add additional interest, fees and charges to my account?

They state they do not charge interest if you work with them to repay your debt. You will pay fees and charges if your account passes to the solicitor firm in the group.

Does having an account in collection proceedings affect my credit rating?

By the time Lowell Group has completed a debt acquisition procedure, your initial creditor, the firm you originally owed money to, is likely to have filed a default notice on your credit report. The absence of compliance with the conditions of a credit contract is reflected on your credit report.

As debt cases escalate, it’s common for debt collection agencies to resort to litigation to secure more powers to recoup your money, which will have a further impact. For example, if Lowell Group want legal permission to take money directly from your wages to repay the money you owe, then they would initially apply for a CCJ. The CCJ stays on your credit file for six years unless you repay it in full within 30 days. Once the court grants the CCJ, Lowell Group can then apply for an Attachment of Earnings Order. This order gives them powers to ask your employer to send them money directly from your salary before you receive the payment method, which significantly improves their chances of getting paid.

Is there a way for me to write off debt with Lowell?

It’s possible. If you owe more than £7,200 in unsecured debts, then you may qualify for an IVA.

An IVA is a legally-binding, financial arrangement in which an Insolvency Practitioner would help you to come to a repayment plan and agreement with your lenders. An IVA usually lasts for five years and sees you paying an affordable monthly payment with some portion of the amount you owe being entirely written off by your creditors. You can see if this is the right debt solution for your situation by getting in touch with us.

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Tel: 0113 237 9500

Re10 (Finance) Ltd, York House Unit 4, Gemini Business Park, Sheepscar Way, Leeds, LS7 3JB
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Customers can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service visit MAS is part of the Money & Pensions Service. We are not affiliated with MAS in any way.

Become Debt Free is a trading style of Re10 (Finance) Limited Registered Number 04651137.  Data Protection Act Registration Number – Z8613095

Become Debt Free specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland.  We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.  We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

* To qualify for debt write off in an IVA with us, you must have a minimum of £7,000 of qualifying unsecured debt owed to two or more creditors.  The amount of debt write off is based on your own personal circumstances – typically this could be up to 85% of what you owe; and this has been achieved by over 10% of our customers who have successfully completed their IVA’s in the last 12 months.  The amount of debt write off differs for each customer and is dependent upon their individual financial circumstances and subject to the approval of their creditors.

Andrew Bowers is authorised in the UK to act as Insolvency Practitioner by the Insolvency Practitioners Association.


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