Answering Common Misconceptions about Lowell  

There are lots of misconceptions about Lowell. There will be hidden charges. We’ll force you to pay the full amount immediately, and that we’re aggressive or unethical.

These are all false.

At Lowell, we don’t engage in harassment tactics. Our mission is simple - to help you take control of your Lowell debt.

Will Lowell be aggressive or not care about my situation? 

Some people think that debt companies are aggressive, uncaring, and unethical.

We’re not like that. In fact, we’re the opposite.

At Lowell, we see the person behind the debt. We don’t judge; we listen. Because we know that debt can happen to anyone. Unemployment. Divorce. Illness or Injury. Bad luck. Life happens – we understand how people end up living with debt. And we know how to support people in that situation.

Helping our customers is at the heart of everything we do.

But don’t just take our word for it. Read our reviews on Trustpilot, where over 35,000 customers have shared their positive experiences. 

Can I ignore letters and calls from Lowell?

We know it’s tempting to ignore your Lowell debt, but that only makes things harder in the long run.

We think it’s one of the most troubling myths about debt because, even if you think an ignored debt has disappeared, it may come back to bother you years later when you’ve long forgotten about it.

At Lowell, we’re here to help, not pressure you. We’ll work with you to put an affordable, interest-free payment plan in place - but we need your help to make it happen. 

What happens if you ignore Lowell?

If you choose not to get in touch with us, we may instruct our Solicitors to take legal action on our behalf.

Failing to engage with our Solicitors can then result in them issuing a County Court Judgement (CCJ) against you, which can be particularly detrimental to your credit rating and ability to access credit in the future.

However, we’ll always try to work with you first, to help you repay your debt through a sustainable payment plan that takes your individual circumstances into consideration.

Find out more about the consequences of ignoring your Lowell debt, and the legal action that can be taken.

Will my debt go away if I ignore it?

A lot of people think that if they hold tight and ignore their debt it will go away, which isn’t always the case.

Under UK law, a debt can become statute barred after a period of limitation in England, Wales, and Northern Ireland. This means that it can’t be enforced by a court order after six years of you acknowledging a debt or a court order being issued.

In Scotland, this is known as the ‘prescription period’, and is five years for most types debt.

Unfortunately, once a debt becomes statute barred or ‘prescribed’, its presence on your credit file can still impact your credit score and your ability to get future credit, including a mortgage.

While the debt isn't legally recoverable, non-payment of the debt could also show on your credit file for a further six years.

The best solution is to get on top of your debt. And we’re here to help with that. 

Do Lowell charge interest?

We won’t add interest if you work with us to set up a repayment plan and manage your Lowell account. 

Do I have to pay debt collectors fees?

Customers sometimes worry that we’ll charge extra fees on top of their debt. Well, we’d like to set the record straight – that’s not the case. If you work with us to set up an affordable payment plan, there will be no extra debt collection fees to pay. So, the Lowell debt you owe at the start is the amount you pay - with no hidden fees or surprises. 

Will Lowell make me pay off my debts in one go?

Sometimes, people think we’ll demand the whole amount in one go, immediately. Or that we’ll make them use all their spare money to repay their Lowell debt.

We won’t. In fact, we’ll make sure that you don’t pay more than you can afford. People sometimes hold back from contacting us because of this myth. Let’s not beat about the bush - it’s totally false.

You can use our free online Budget Calculator to work out your incomings and outgoings, so you can see how much you can afford to pay each month. We won’t ask you for more.

We want to help make things better for you, not more difficult. So, our customers can repay their Lowell debt with an interest-free payment plan that fits their budget and situation.

Learn more about how we work with you.

Get in touch with us today to chat about a payment plan that works for you

It’s easy to make payments to Lowell, whether you want to pay your debt in full - with a single payment - or set up a long-term payment plan.

You’ll find everything you need on our Ways to Pay page.

You don’t even need to speak to us – you can do it all online or through the Lowell app.

However, sometimes it’s good to talk to someone about your situation. Contact us today to chat about setting up an interest-free payment plan that works for you, not against you.

You set the pace. You tell us what feels right for you. We’ll help you get on top of your Lowell debt.

By Bridie Tennant on 19th May 2025