Legal process

How Lowell legal claims or enforcement action such as bailiffs work

Why has your debt been passed to our solicitors?

If you repeatedly don’t engage with us when we try to get in touch, we may pass your account to our solicitors. Our solicitors will send you a letter to let you know if your account is with them. If you’ve received a letter from our solicitors, please get in touch with them.

Are our solicitors the same as Lowell Financial?

No, our solicitors are also part of the Lowell Group, but is a separate company to Lowell Financial. It’s a firm of solicitors instructed by Lowell Portfolio I Ltd for debts owed to them. To find out more about who our  solicitors are and what they do, you can visit their website.

What is a CCJ?

In England and Wales, County Court Judgments (CCJs) are legal decisions made by the County Court. Judgments are entered on the statutory Register of Judgments, Orders and Fines, which is then checked by credit reference agencies to assess the credit-worthiness of individuals. To learn more, please visit Experian’s website.

Do Lowell Financial issue CCJs?

Lowell Financial do not issue County Court Judgements (CCJs), but if you fail to work with us we may instruct our solicitors to act on our behalf, who may request a CCJ from the court. If you don’t respond when our solicitors try to contact you, they’ll send a letter telling you they may start legal proceedings. If you still don’t respond to this, our solicitors may begin legal proceedings, which could result in a CCJ. This could mean fees and interest are added which would increase your outstanding balance. To learn more, please visit our solicitors’ website.

How long does a CCJ from our solicitors show on a credit file?

A County Court Judgement (CCJ) will stay on your credit file for 6 years. However, if you pay the CCJ in full within the first calendar month after it’s been issued, it will be removed from your credit file. To learn more about CCJs, please visit Experian’s website.

Do Lowell Financial send bailiffs?

So long as you’re working with Lowell Financial to manage your debt, you won’t be at risk of legal action such as a CCJ. However, if you don’t make payments to your account and you don’t tell us why, we may pass your account to our solicitors. At that point, they may begin legal proceedings that could result in a County Court Judgement (CCJ) being registered against you. If you still don’t get in touch or make a payment, our solicitors could decide to take enforcement action which may include sending bailiffs to your home.

Does Lowell Financial Ltd add charges/fees?

Lowell Financial Ltd don’t charge interest or apply fees if you work with us to manage your account, which means that every penny you pay goes towards paying off your debt. But, if you don’t respond when we contact you, we may pass your account to our solicitors. If any legal proceedings take place when your account is with them, then interest, fees and charges may be added to your balance as a result. To find out more about these fees, please contact our solicitors.