Lowell Portfolio – Debt Collection Agency

If you’ve been sent a letter or had a phone call from Lowell Portfolio or Lowell Financial, it’s likely that you’ve defaulted on one or more accounts with a creditor. Check out our ultimate guide for useful advice and guidance to find out how Refresh Debt Services can help you.

Refresh know exactly how challenging it can be when you’re in a difficult financial situation. If you’re trying your best to meet your monthly creditor payments, we know it isn’t always easy. Paying off your debts for things like pay day loans, credit cards, store cards etc. can be challenging as living costs are always trending upwards as each year passes by.

At this point, it’s useful to know that debt collection agency’s like Lowell Portfolio are not actually bailiffs. What does this mean? This means that the rights they have are different to that of actual enforcement agents.

Who are Lowell Portfolio Ltd?

Lowell Portfolio Ltd and Lowell Financial Ltd are both debt collection companies that operate in the UK. Their main objective is to recover any unpaid consumer debt.

Lowell buys accounts from high street banks, mobile phone companies and internet providers, as well as many other types of companies that provide consumer credit.

The debt collection agency has been in the debt recovery industry for more than ten years, working with customers to clear their outstanding debts.

Lowell have made a commitment to their customers to deliver on the following promises:

  • They will listen to you
  • They will help you find the right solution for your circumstances
  • Lowell will be flexible and adapt their approach to meet your changing needs
  • The company will engage with you, keep you informed and be polite and courteous
  • Lowell Portfolio will not add any additional interest and charges to your accounts

Both Lowell Portfolio Ltd and Lowell Financial Ltd are part of the Lowell Group, which was established in 2004. They are considered to be one of the UK’s leading investors in consumer debt.

Are you struggling with debt and need help with stopping Lowell? Call our specialist advisors today on 0800 121 48 63 or complete the online form to the right to request a call-back.

What can Lowell Portfolio actually do?

As a debt collection agency, Lowell Portfolio and Lowell Financial are not given any extra legal powers when they try to recover outstanding debt from consumers. They aren’t able to take any additional action that the original creditor would not be able to take themselves when pursuing you for arrears. What does this mean? Essentially, Lowell will have to follow the same guidelines as the original creditor would have to do when attempting to recover any remaining debts.

Lowell Portfolio will try to communicate with you in a few different ways. Mostly, you’re likely to hear from them through the post as well as any phone calls they make.

We know it isn’t easy when you’re dealing with debt collectors such as Lowell. It only becomes harder when you start receiving lots of letters and phone calls from their team.

There is good news, Lowell, as well as lots of other debt recovery companies aren’t able to provide you with the wrong information in regards to their legal standing. If you believe that they have given you incorrect information, it’s a good idea to make a complaint and also to notify the Financial Conduct Authority (FCA) as soon as possible.

The friendly team at Refresh are able to take into account your current financial circumstances to help you find the right solution to meet your needs. We will negotiate an affordable repayment plan on your behalf. Our specialists can do this for any debts that are now with Lowell, as well as any other debts that you may have.

Speak to a specialist money advisor today at Refresh Debt Services by calling 0800 121 48 63 or complete the online form on this page to request a call-back.

What should I do if Lowell Portfolio try to contact me?

First and foremost, it is important that you know what your rights are when companies like Lowell start their recovery process for unpaid debt. Refresh can help you resolve the situation by going through a range of available financial solutions with you. Call us today, or complete the call-back request form to get started.

Do not ignore the letters that Lowell send you. This will likely make the situation worse, keep a record of any letters and emails they send you.

Lowell will send you, as well as their other customers lots of automated letters. They will be asking you to get in touch with them to set up a repayment plan.

As the debt recovery process continues, if you’re not able to agree to terms, Lowell may offer you an out of court settlement. They could also make life difficult for you when they start threatening to take you to court to obtain a county court judgement (CCJ), although this will depend on the level of debt as well as your circumstances. In some cases, they might try and make you bankrupt.

Remember that these letters are mostly automated, the same type of letter will be sent out to everyone Lowell attempts to collect unpaid debt from.

A lot of people will find it difficult when they try and come to a fair repayment plan with Lowell Portfolio. We can help by finding you a solution that is just right for you. By looking at what you can actually afford to pay, our money advisors take into account your current financial situation. This is done by going through your household income and expenditure figures. We will then use this information to advise you about the best solution available to you.

Have you ever been contacted by Lowell Portfolio or Lowell Financial? If you have, contact Refresh Debt Services today to speak to one of our friendly advisors. We provide free impartial advice. We can advise on a range of solutions that will help you become debt free.

How do I contact Lowell Portfolio?

You can contact Lowell Portfolio by a number of different methods.

If you wish to contact Lowell through the post, you can write to them at the following address: PO Box 1411, Northampton, NN2 1BQ

Want to speak to someone at Lowell on the phone? Simply dial 0333 556 5550

Lowell’s office opening times are as follows:
8:0am – 8:00pm, Monday to Friday
8:00am – 2pm Saturday
Closed – Sunday


Remember that telephone calls you make are likely to be recorded.

You can visit Lowell’s website directly at the following link: https://www.lowell.co.uk/

Want to send Lowell an email? You can send them a message at: support@lowellgroup.co.uk

A map showing Lowell Portfolio’s Head Office location can be found below.

How can Refresh Debt Services help me stop Lowell Portfolio?

Our friendly team of specialist advisors know how worrying it can be when you receive a letter or phone call from a debt collection agency like Lowell.

This can be a stressful period for those struggling with debt, especially if you start to fall behind and are no longer in control of your finances. Our money advisors will be able to help you find a solution that makes it much easier to clear any outstanding debt that you may have.

If you need help with Lowell Portfolio or Lowell Financial, or with any other debts that you may have, call our expert advisors today on 0800 121 48 63 or complete the online form to the right of this page to request a call-back.