Why has Lowell contacted me about my NewDay account?

NewDay may sell accounts to Lowell when a balance remains unpaid. Lowell then owns the account and is responsible for helping you manage and pay the outstanding balance.

Before NewDay sold your account to us, NewDay or a third-party collections company may have managed it. We now manage your account.

If you made payments to NewDay or one of its brands by Direct Debit or standing order, check whether you need to cancel them to avoid making the same payment twice.

The balance we receive should usually include any payments you made before NewDay sold your account to us. If something doesn’t look right, register or sign in to My Account to see the account details we hold or get in touch, and we’ll review it with you.

NewDay may have provided your Argos Store Card, Argos credit account, or another Argos credit product, even though you used it with Argos.

NewDay manages the credit for these accounts. You may have bought something from Argos, but you had the credit agreement or finance account with NewDay.

NewDay has now sold your account to Lowell, so you’ll need to deal with us to manage and pay the outstanding balance. Nothing about your original purchase has changed. The change is who now owns and manages the account.

NewDay provides credit through a range of products and retailers, including:

• credit cards
• store cards
• retail credit accounts
• cardless credit
• instalment plans
• buy now, pay later purchases

If you believe someone else opened the account or used your details without your permission, contact us as soon as possible.

We’ll ask you some questions to help us understand what happened, including:

• where you lived when someone opened the account
• whether you recognise the retailer
• whether anyone else had access to your details.

We’ll investigate and explain what happens next.

NewDay may have sold your account to us before it added your payment. It may also take time for NewDay to update the payment information.

Your bank or payment provider may also have declined, reversed, or returned the payment after you made it.

Register or sign in to your Lowell account to check the balance and payment information we hold.

If you think a payment is missing, please get in touch. We may ask you to send us proof of payment so we can investigate.

Your balance may look different from what you expected for several reasons.

It may include purchases, promotional credit, instalment plan balances, payments, adjustments, fees, or charges that NewDay added before selling your account to us. You may also have forgotten about older transactions or realise that the balance relates to a store card, retail credit account or buy now, pay later purchase.

Register or sign in to check your account details. If something still doesn’t look right, get in touch and we’ll explain the next steps.