Lowell Financial Ltd

Lowell Financial Ltd collects debt accounts for the Lowell group. If Lowell contacts you, check the original creditor, account number, balance and whether the debt was assigned to a Lowell Portfolio company before making a payment.

Lowell contact details

Customer and account enquiries: 0333 556 5552
Fraud or contact verification: 0333 556 5550

Use Lowell’s official contact route or the details on your latest letter. Postal details can vary by account, so quote the Lowell reference and avoid sending unnecessary sensitive information.

Is Lowell Financial legitimate?

Yes. Lowell Financial Ltd is registered in England and Wales under company number 04558936 and is authorised by the Financial Conduct Authority for relevant consumer credit activities.

You may also see Lowell Portfolio I Ltd, which can own purchased debt accounts, and Lowell Solicitors Ltd, which handles some legal work. Check which legal entity appears on each letter because ownership, collection and court roles are not interchangeable.

Why are Lowell contacting me?

A creditor may have sold an account to a Lowell Portfolio company, with Lowell Financial managing collection. Common account types include consumer credit, telecoms and utility balances, but your own letter should identify the original account.

Ask Lowell to confirm:

• the original creditor and account reference
• the date and basis of any assignment
• the current balance and its calculation
• which Lowell company owns or manages the account
• relevant evidence if you dispute liability

What powers does Lowell Financial have?

Lowell Financial is a debt collector, not an enforcement agent. It cannot force entry, take goods or act as a court.

A Lowell group company may be able to bring a county court claim where it owns the debt or otherwise has the legal right. That requires the proper pre-action and court process. Enforcement agents are a later possibility only if a judgment or other enforceable order is not dealt with and enforcement is authorised.

What if you do not recognise the Lowell debt?

Tell Lowell in writing that you dispute or do not recognise the account. Ask for enough information to identify the debt and establish the basis of the claim. Do not assume that an unfamiliar Lowell reference means the debt is fraudulent; purchased accounts often use a new reference.

For some regulated credit agreements, a formal Consumer Credit Act information request may be relevant. It has specific requirements and does not apply to every debt, so get advice before relying on it.

What if the debt may be statute barred?

Limitation depends on the debt type, court history and UK jurisdiction. Payments and written acknowledgements can affect the calculation. Get debt advice before paying or acknowledging an old account if you think a limitation defence may apply.

Can Lowell take you to court?

Yes, a Lowell group company can pursue a claim where it has the legal right. A letter of claim should give information and time to respond before proceedings. A County Court claim form has a formal response deadline.

Do not ignore either document. Check the claimant, account and amount, then respond on time even if you dispute the debt. Read the letter before action guide and seek advice if a claim has arrived.

Can Lowell send bailiffs?

Not simply because it owns or collects a debt. Lowell Financial has no bailiff powers. Enforcement agents can become involved only after the correct legal steps, such as an unpaid judgment followed by authorised enforcement.

If an enforcement agent contacts you, verify the warrant or writ, creditor and balance separately from the earlier Lowell collection letters.

What if you cannot afford Lowell’s request?

Protect priority bills and essential living costs before offering payment. Use a realistic budget, ask Lowell to consider an affordable proposal and get the outcome in writing.

If Lowell is one of several creditors, compare the whole debt position. A Debt Management Plan, Debt Relief Order, IVA, bankruptcy or direct arrangements may be relevant, but each has different eligibility and risks.

How to complain about Lowell

Send Lowell a written complaint with the account reference, the conduct or error you dispute, supporting evidence and the outcome you want. Keep copies. If an eligible complaint remains unresolved after Lowell’s final response, the Financial Ombudsman Service may be able to review it.

Frequently asked questions

What is the Lowell Financial contact number?

Lowell’s published customer and account number is 0333 556 5552. It also lists 0333 556 5550 for suspected fraud or checking whether contact is genuine.

Why are Lowell contacting me?

Lowell may be managing an account bought by Lowell Portfolio from an original creditor. Check the original account, assignment details, balance and Lowell reference before paying.

Can Lowell take me to court?

A Lowell group company can pursue a county court claim where it has the right to do so. Do not ignore a letter of claim or court form, and get advice before the response deadline.

Can Lowell send bailiffs to my home?

Lowell Financial is not a bailiff. Enforcement agents can become involved only after the necessary court and enforcement steps, not simply because Lowell has contacted you.

Sources checked

• Lowell official help and contact pages for current customer information.
• Companies House: Lowell Financial Ltd for company identity.
• FCA Register for consumer credit permissions.
• FCA Consumer Credit sourcebook CONC 7 for arrears and recovery conduct.
• Financial Ombudsman Service complaint guidance for complaint escalation.

Company details and contact information checked on 11 July 2026.