What To Do If You Get A Nasty Letter or Phone Call From:
Group is a debt purchasing company or debt collecting company listed
in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Lowell
Group), and especially the debt purchasing element, go a bit too far
sometimes and can make people's lives a misery when those same people
are at their most vulnerable. We do not suggest that they are acting
outside the law, but getting that letter or phone call is not exactly
helpful to you right now.
So the first thing
you must do if Lowell Group are bothering you is not to panic
or despair. That's just what they want! They'd love you to
call their number and speak to their specially trained sales team for
'advice'. But once you do that you'll be suggestible to whatever they
tell you, instead of getting independent advice. While we always say
that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
For an alternative type of
loan you could apply for a 'logbook loan' which many
people find a very handy option. It is actually a loan secured on your
car, except you get to keep the car and keep the cash as well! That's
why some people find it such a good idea, as it unlocks the equity in
your vehicle without taking away your means of transport (there's no
need to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Also Known As: Lowell Group Debt Collectors, Lowell Debt Collectors, Lowell
Address: Enterprise House, 1 Apex View, Leeds LS11 9BH
Telephone: 0854 3009410 - BUT DO NOT TELEPHONE LOWELL GROUP
Fax: 0845 3009411
Email: person/department @lowellgroup.co.uk
Extra Data: See
Get a free QuickCreditScore
check by applying
Lowell Group and
the Truth About Your Debt
Limited is a debt collecting agency which has bought a debt account
from the original creditor for about a tenth or less of the original
value of the debt and is brazenly attempting to recover the full sum
of the original debt from you.
Group Ltd will use all sorts of methods to get you to set
up a direct debit or standing order in order to profit from you. You
may already have had bad dealings with them on the phone. They may phone
you at strange times and on an unacceptably numerous number of occasions.
They may send you official appearing nastily worded letters or cards
threatening to send someone round to collect the full amount or that
they will take you to court for the full amount. Other strategies may
include attempting to make a charging order on your home or make you
lose your home.
So ask Lowell Group
for a copy of the original contract when you took out your loan or credit
To find out if you
qualify for an IVA or can benefit from a debt management programme,
try the IVA
Test. It's free to apply, and again you are protected by the consumer
laws regarding debt management at all stages. Click
here to go to the application form.
Data On Lowell Group
you have any information that you would like honest people to know
about Lowell Group then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
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Us | Contact
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& Disclosure | Complaints
a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Lowell Group website is part of DPC Registry website group. All rights
reserved. Complaints Against Lowell Group debt collectors.