Also known as: Lowell; Lowell Financial; Lowell Portfolio I
Lowell is one of the UK's largest debt purchasers and debt collection companies. It buys unpaid debts from banks, credit card companies, telecoms providers, and other organisations, then attempts to collect those debts from the people who owe them. Lowell Financial Ltd handles collection activity while Lowell Portfolio I Ltd holds the purchased debt.
When a company sells a debt to Lowell, they do this at a discount. Lowell then becomes the new owner of that debt and has the legal right to collect it. If you receive letters or calls from Lowell, it means they own a debt you originally had with another company. The original lender will no longer be involved.
Lowell is required to operate in accordance with FCA rules and must treat customers fairly. They are required to deal with you respectfully, provide clear information about your debt, and tell you how to get free debt advice. If Lowell contacts you, you have the right to ask for a written breakdown of the debt and proof that you owe it before making any payment.
You also have the right to ask Lowell to provide the original credit agreement. If they cannot provide this, you may not be legally required to pay. Citizens Advice can help you understand your rights in this situation.
If Lowell contacts you about a debt, do not ignore the letters. Engaging with the process gives you more options. You can also dispute a debt if you believe you do not owe it or if the amount seems wrong.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services can help you deal with Lowell and any other debt collectors for free.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Lowell Financial Ltd / Lowell Portfolio I Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt purchase; Debt collection; Debt management plans; Credit information services
Trading names and group notes
Owned by Permira private equity. Lowell Financial Ltd acts as the servicing entity; Lowell Portfolio I Ltd holds debt portfolios. Both are FCA-authorised.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.3
~61,855 reviews
Overall public sentiment
Above average for the sector. 75% five-star ratings. Positive: non-judgmental approach, flexible repayment plans. Negative: pursuing disputed/statute-barred debts, aggressive contact.
Review sources
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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