Received a letter from Lowell regarding your Virgin Money debt?

We buy debt from lots of different companies, including Virgin Money. If we've sent you a letter about Virgin Money debt collection, it means we've bought it from Virgin Money and you now owe the debt to us instead. But don't worry, we believe becoming free of your Lowell debt should be simple and affordable. Our customers aren't just numbers to us, they're people.

Your questions, answered.

Why has my account been passed to Lowell?

I think there’s been fraudulent activity on my account. What should I do?

How can I make a payment or set up a payment plan?

Why is my balance higher than I expected?

What happens if I miss a payment?

Your options when repaying Virgin Money debt

Work out how much you can afford to pay

Before you make any payments, it’s a good idea to understand what money’ is coming in and what is going out. Our free Budget Calculator will help you set up a payment plan that’s affordable.

Set up your own account and interest-free personal payment plan

We’ve made it as easy as we can for you to manage your debt online. You don’t even need to call us: you can set up your payment plan online or on the Lowell app. To sign up for your Lowell account you’ll need the Lowell reference number from the letter we sent you.

Set up a payment plan that works for you. Decide how much you want to pay, how often you want to pay it, and how you want to make payments.