Capital One have issued Visa and Mastercard credit cards for various brands including Littlewoods, Luma, Ocean, Thinkmoney and Very.
Everyone’s situation is unique. Talk to us, we’ll listen and together we can find the best way forward for you. This may be setting up an affordable payment based upon your circumstance, however, if you are not in a position to pay don’t worry we can also find the best solution for you.
Capital One has been established since 1996 and offer Visa and Mastercard credit cards.
Capital One have issued Visa and Mastercard credit cards for brands including Littlewoods, Luma, Ocean, Thinkmoney and Very.
Lowell will work with you to get an understanding of your situation and will agree an affordable payment plan that’s right for you. Please call us on 0333 556 5550 or email us at email@example.com.
Alternatively, register or log in to manage your account online, use our budget calculator and set up a repayment plan.
If you don’t recognise the details of this account or you believe the account was opened fraudulently, please call Lowell on 0333 556 5550 or email us at firstname.lastname@example.org so that we can help to resolve the issue.
If you think your balance is incorrect, please call us on 0333 556 5550 or email us at email@example.com. We will investigate this and provide you with a balance breakdown.
Capital One will have sent you monthly credit card statements either online or by post, depending on which option you chose. You would also have been able to access your account using the self-serve function on the website, which allowed you to view your balance, update personal information, view statements and make online payments to your account.
You would have applied over the phone, online, or by post. For online applications you would then have ticked a box to provide a digital signature agreeing to the terms and conditions. For phone and post applications an agreement would have been sent out to you, which you would have to sign and return before the card was sent out to you.
Capital One provided us with information about your debt when they sold your account to us. This includes the credit card number, the last payment amount and date and information you provided when applying for the account. If you want to know more, call us on 0333 556 5550 or email us at firstname.lastname@example.org.
Interest and charges may have been added to your account balance in line with terms and conditions of your agreement with Capital One. However, your balance will not increase with Lowell, as we do not add any interest or charges.
Capital One will have attempted to contact you regarding your outstanding balance. They might also have passed your account to a debt collection company to collect the debt on their behalf before the account was sold to Lowell.
If the balance on your Capital One account remains unpaid for around six months they may have applied a default to your credit. As the debt has now been passed to us, Capital One remove their default and Lowell takes over the responsibility for reporting the default to the credit reference agencies. This allows us to update your credit file with details of the payments you make.