Negotiate With Lowell Group Debt Collection With This Script

Stop Debt Collectors Negotiate With Lowell Group Debt Collection With This Script

Negotiate With Lowell Group Debt Collection With This Script

Sometimes you get behind with payments and you may not be able to pay what your creditor is asking for. After so long, your debt is sold to a debt collection agency that will take over trying to recover the debt.

If you have started getting new phone calls or letters in the post about debt with an unknown company such as the Lowell Group, you need to confirm that this is a valid debt. With the help of DoNotPay, you can determine if the account is valid or a scam.

Who Is Lowell Group Debt Collection?

One of the most popular debt collection agencies in the United Kingdom is the Lowell Group (Lowell Financial Ltd). This agency purchases outstanding debts from retailers, credit card agencies, and other companies where debt has not been paid and the company no longer wants to spend the resources attempting to collect this debt.

The Lowell Group will receive a portion of the recovered funds for their time and effort, so you can expect them to use all legal options for contact.

Lowell Financial Ltd Contact Information
Headquarters AddressEllington House 9 Savannah Way Valley Park West, Leeds LS10 1AB, United Kingdom
Phone Number0333 556 5552
WebsiteLowell Homepage
Complaints FormContact Lowell

Is Lowell Group Debt Collection A Scam?

The Lowell Group debt collection is not a scam, but they may reach out regularly attempting to collect the debt. If you had a debt with another agency that has since closed, your debt was probably purchased by the Lowell Group and they are now attempting to collect the debt.

Have They Purchased Accounts From Other Creditors?

Some debt collectors will purchase other accounts from debt collection companies that have been liquidated. For example, Lowell Group Financial Debt Collection has secured outstanding accounts from Bryan Carter and Co Debt Collectors.

Below are some other creditors that have their own accounts or have recently purchased accounts from other debt collection agencies.

If you have an account with these companies, you can always pay with a cheque through the post or phone them to make a payment with a credit card.

Do I Have To Pay This Debt Back?

There are some account holders who will attempt to avoid the debt collectors and not pay back the debt. If you try to avoid paying back your debt collectors, you can expect one or more of the following scenarios:

  • Taken to court to have the debt repaid at the legal level.
  • Your credit score will continue to be impacted, as all of the credit bureaus will be contacted.
  • They are able to accrue interest to the debt, making it larger and harder to pay off.

While there are times when some account holders may dodge the collection agencies for six years, there will always be an impact and that is the credit report.  It is best for you to take advantage of any options you have to pay back this debt and keep your credit secure.

How Long Can Debt Collectors Harass Me?

If you are being contacted by Lowell Group Debt collection, keep in mind they can only reach out and try to obtain the debt for six years. After that time, you should not be receiving any correspondence from them.

During this time, you could hear from them in the following ways:

  1. Post letters indicating the debt owed.
  2. Phoned by a representative attempting to collect a debt.

These are the two most popular ways that you can be contacted and the debt collector is within their rights to collect. There are some regulations to how they reach out.

Are There Rules Against Them Harassing Me?

There are several rules that creditors must follow when attempting to collect a debt. While they will try to be forceful and frighten you into paying, there are some boundaries they are not legally able to cross.

  1. They cannot call too early in the morning before 8 am.
  2. They cannot call too late at night, usually past 8 pm.
  3. Debt collectors cannot refuse to explain any verbiage used when they contact you or your debt.
  4. If they speak to someone other than you, they are not allowed to discuss your account or the debt owed.
  5. They are not allowed to imply that they have legal capabilities to trick you into paying a debt.

If the debt collectors are found practicing any of the aforementioned harassment practices, you can take them to court and could have your debt absolved.

Can I Get Assistance With My Debt?

In the UK, you have several options to consider when you are trying to get assistance with debt relief.

  • Debt Management Plans
  • Develop an Individual Payment Plan with the Debt Collector
  • Debt Relief Orders

Once you have validated your debt and determined that you need to pay these debts, you can find help and establish a positive way to do that through debt relief orders.

Can DoNotPay Help Me Determine If My Debt is Legitimate?

If you want to confirm that this is a valid debt, then DoNotPay has a few simple steps to follow below.

  1. Search "debt collection" on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

     

Are There Other Ways I Can Get Help With DoNotPay?

While DoNotPay can help you determine the legitimacy of your Lowell Group debt, it can also help you with other tasks like those below.

  • Make a claim if you are missing money for a purchase or service.
  • File a complaint if the service you received was substandard.
  • If you have a subscription that you would like to stop, learn how to cancel it.

DoNotPay wants to help you where you need it the most with a service that is easy and dependable.

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