Who are Hamptons Legal?
Hamptons Legal are are a company that specialise in collecting payments of debts owed by individuals. They collect debts on behalf of companies like Lowell, Capital One, O2, Orange and the like.
Chances are they are calling or writing to you because they believe you owe money.
They are part of the Lowell Group, one of the largest debt collection companies in the UK.
If you have been contacted by them, you have to make a decision on how to deal with them.
Do you actually owe them any money?
Hamptons Legal are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
How old is the debt they are collecting?
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can't afford to pay that much each week or month.
Our experts deal with Hamptons Legal every day, and can quickly help you determine if the debt is statute barred, in which case you won't have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Hamptons Legal.
This will make sure that if you do owe them money you only enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.
Stop the letters & calls
Fed up of constant letters and calls! Do you even owe them? FREE check to stop the calls & collection action NOW.
What can Hamptons Legal do?
Debt collectors must follow the strict debt collection guidance laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that companies like Hamptons Legal must adhere to in order to be considered fit to operate as a debt collector.
Under the FCA rules, Hamptons Legal can not claim unfair or excessive collection charges, they can not harrass you, they can't threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
The following actions are all unfair. We've seen all these activities and more. Some of these are outlawed by industry rules or codes of practice, and some of them are illegal:
- Calling you at unreasonable times
- Calling you at work without permission or after you've told them to stop
- Discussing your debts with a family member or employer
- Taking payments without your permission
- Refusing to deal with advice agencies like us, or not giving time to consider your options after you've contacted an advice agency for help
- Pressuring you to pay off a debt by borrowing more money
- Using legal or technical language to confuse you
- Sending letters that look like court forms
- Refusing to give you information about your account when you ask for it
- Pretending to have legal powers they don't have
- Adding unreasonable charges, higher than the actual costs of collecting the debt
- Continuing to contact you for payment when the debt is being disputed
- Continuing to demand payment when a debt is statute barred – this means the law says the debt is too old to chase through the courts.
If you're one of the many people being sent constant letters, text messages and not answering your phone without looking at "whocallssme.com" in order to avoid the many (and we mean MANY) phone calls by Hamptons Legal. Or if you have received a letter about a debt you don't recognise or think you've paid off, or if you are struggling to repay Hamptons Legal debt, fill in our simple form and we’ll call you back to see if we can help.
You can also read our "11 steps to deal with debt collectors". This guide explains exactly what they can do and how to dispute a debt and how to handle their calls and letters.
Hamptons Legal and CCJ's:
Hamptons Legal often issue County Court Judgements or CCJ's for short. This means they register a claim for your debt with the Court which enables them to start enforcement action.
If Hamptons Legal have written to you threatening action in the County Court through a CCJ, DO NOT IGNORE IT. They do follow through with there threat.
If they get a CCJ they can then send Bailiffs to your home or business to collect the money they claim you owe them. Once they have a CCJ they can also apply for an attachment of earnings order, charging order or even a statutory demand.
You can read our full guide to "what is a CCJ"here. This shows examples of the County Court Claim Form, Judgement for Claimant (in default), Notice of Enforcement Action Letter and the Notice of Issue of Warrant of Control from a Court Bailiff.
Hamptons Legal Contact Details:
- Company Name: Hamptons Legal
- Other Names: Lowell Group, Lowell Financial, Lowell Portfolio 1
1 Apex View,
- Contact Number: 0845 300 9410
- Website: www.lowell.co.uk
- Email: [email protected]
- 8:00 am - 8:00 pm
Monday - Thursday:
Friday: 8:00 am - 7:00 pm
Saturday: 9:00 am - 2:00 pm
Please note that we are not associated with Hamptons Legal or the Lowell Group in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Hamptons Legal you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Hamptons Legal on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.
Need Help With Hamptons Legal Debt Recovery?
If you want more help on dealing with Hamptons Legal, call our FREE Helpline on 0800 368 8133 (freephone, including all mobiles) or take the online debt test and find your best solution.