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Lowell Portfolio 1 - Lowell Financial

Debt Help

Lowell Financial

Have you received a debt collection letter or are you getting calls from Lowell Financial?

Do you need advice & help on how deal with Lowell?

Do you need to make a payment?

Or are you wondering why they keep calling and sending you letters.

Dealing With Debt Collectors UK

Last month we helped 1139 people deal with Lowell.


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Fed up of constant letters and calls! Do you even owe them? FREE check to stop the calls & collection action NOW.

Below you'll find out everything there is to know about Lowell Financial and Lowell Portfolio 1, including their contact number and address information.

Who are Lowell Financial?

Lowell Financial Ltd are a company that specialise in collecting payments of debts owed by individuals. They collect debts on behalf of companies like Vanquis Credit Cards, Capital One, O2, Littlewoods and the like.

Chances are they are calling or writing to you because they believe you owe money.

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?

Lowell 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 Lowell Portfolio and Lowell Financial 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 Lowell.

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

Check now

Fed up of constant letters and calls! Do you even owe them? FREE check to stop the calls & collection action NOW.

What can Lowell Financial or Lowell Portfolio 1 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 Lowell Portfolio 1 must adhere to in order to be considered fit to operate as a debt collector.

Under the FCA rules, Lowell 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 Lowell Financial. 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 Lowell 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.

Lowell Portfolio 1 Ltd and CCJ's:

We are often asked "Do Lowell's take you to Court?", the answer is yes they often take claims to the County Court.

Lowell 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. Most Lowell Portfolio 1 CCJ's are issued by BW Legal or Lowell Solicitors.

If Lowell 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.

We have a case study of the process followed by Lowell Portfolio 1 Ltd and BW Legal in chasing down the payments of debt through the use of CCJ's. This shows examples of the County Court Claim Form, Judgement for Claimant (in default), Notice of Enforcement Action Letter from BW Legal and the Notice of Issue of Warrant of Control from a Court Bailiff.

Lowell Debt Recovery Contact Details:

  • Company Name: Lowell Financial Ltd
  • Other Names: Lowell Portfolio 1
  • Address:
    PO Box 1411
    Northampton
    NN2 1BQ
  • Contact Number: 0333 556 5701
  • Fax:
  • Website: www.lowell.co.uk
  • Email: [email protected]
  • Monday - Thursday: 8:00 am - 8:00 pm
    Friday: 8:00 am - 7:00 pm
    Saturday: 9:00 am - 2:00 pm

Please note that we are not associated with Lowell Financial Ltd 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 Lowell Financial 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 Lowell on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.

Need Help With Lowell Financial Debt Recovery?

If you want more help on dealing with Lowell, call our FREE Helpline on 0800 368 8133 (freephone, including all mobiles) or take the online debt test and find your best solution.

  • Last updated 22 May 2016

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  • Phone: 0800 368 8133
  • Email: [email protected]
  • Monday - Friday: 8:00 am - 9:00 pm
    Saturday - Sunday: 10:00 am - 4:00 pm

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Baker Adams Advisory Limited © 2018 All right reserved.
Registered office: 6 Abberley Hall, Chelford Road, Alderley Edge, SK9 7TJ. Registered in England and Wales. Co Reg No. 11246301

Baker Adams Advisory provides insolvency solutions to individuals throughout the UK; specialising in IVAs, CVAs, Liquidations, Protected Trust Deeds, Bankruptcy, Sequestrations. We do not administer or provide advice solely relating to debt management products, such as Debt Management Plans or Debt Payment Plans under the Debt Arrangement Scheme. We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for one of our insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency appointment.