We're Lowell

Lowell Portfolio I Ltd buys overdue debts and then Lowell Financial Ltd collects what is owed. So a Lowell debt could have originally related to a bank account, a credit card, a mobile phone plan, a utilities bill, and so on.

When we talk about Lowell debt – we mean debt that we’ve bought. We can offer you support, flexibility and interest-free payment plans to pay back this debt.

We can’t help you with debt that Lowell doesn’t own. You’ll have to work with your creditors to pay these. But we do consider all your debts when getting an understanding of your budget and what you can afford to pay.

The short answer is yes – if the debt belongs to you, it’s important not to ignore it. We’ve bought the debt from another company and now legally own it, which means you owe the debt to us instead of them. We don’t expect you to pay everything back in one go. You can set up an affordable interest-free payment plan that suits your budget. If you can’t pay your debt right now, still get in touch with us so we can support you with some options.

Lowell Portfolio I Ltd (LPI) is the part of Lowell that buys debts from different companies. When LPI buy the debt, they become the legal owner. Once LPI have bought the debt, they pass it over to Lowell Financial Limited which is the part of Lowell that contacts customers and helps them set up an affordable payment plan.

We collect for a whole range of different sectors, including:

• Banks and financial services (loans, overdrafts, credit cards)
• Utility providers (gas, electricity, water)
• Telecommunications (mobile phone, broadband, TV)
• Retail and mail order (catalogues or online stores)

Yes. Lowell Portfolio I Ltd purchases debts and then Lowell Financial Ltd collects what is owed on the debt.

Lowell gives customers the support and flexibility to clear their debt in a way that’s fair and affordable for them.

If a customer can’t pay what they owe in full straightaway, they can set up an interest-free payment plan on our website or contact our team to discuss their options.

The short answer is – yes, you will have to pay.

If you’ve received a letter from Lowell, it’s because we’ve bought the rights to collect what you owe on a particular debt. So you owe the money to Lowell, not the original company.

We’ll give you the support and flexibility to clear your debt in a way that’s fair and affordable for you.

If you can’t pay what you owe in full straightaway, you can set up an interest-free payment plan on our website or get in touch with our team to discuss your options.

If you don’t pay us or let us know why you haven’t paid, we may take legal action, which could mean fees and charges are added.

Our solicitors are a law firm providing litigation and debt recovery services to the Lowell group of companies. It is part of the Lowell group but is a separate company to Lowell Financial, dealing with debts going through the legal process. Overdales are authorised and regulated by the Solicitors Regulation Authority. Their SRA No. 806769.

If you want to speak to our solicitors, you can contact them by phone, email or letter.