Creditor, lender or debt-collection entity

Lowell

Independent information about Lowell debt collection, including its legal identity, official contact and complaints routes, and what to check before agreeing a payment plan.

If Lowell has contacted you, first identify the original creditor, account reference and amount being claimed. Lowell Financial Ltd publishes official customer-contact and complaints routes and states that it is authorised and regulated by the FCA. If you do not recognise the debt or dispute the amount, raise that before agreeing a repayment plan.

What role does Lowell have?

Debt purchaser · Debt owner · Debt collector

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Lowell Financial Ltd is an England and Wales company. Lowell’s current customer website states that Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority.

Lowell’s official complaints page states that Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority and is a member of the Credit Services Association.

Contacting Lowell

Use Lowell’s official contact page or the telephone and postal details shown on current Lowell correspondence. Avoid using payment details copied from unofficial third-party websites.

If you want to complain

Lowell publishes a formal complaints process. Its official page says complaints can be made online, by telephone or in writing, and explains when a complaint may be referred to the Financial Ombudsman Service where that service has jurisdiction.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Lowell. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.