Who Is Lowell Financial Ltd?
Lowell Financial Ltd is one of the UK’s leading debt collection and management companies, offering financial recovery solutions to both individuals and businesses.
Established on 10 October 2002, and headquartered in Leeds, Lowell specialises in purchasing and servicing debt portfolios, helping customers regain control of their financial lives with empathy, transparency, and digital convenience.
The business is part of the broader Lowell Group, a well-established financial services entity operating across Europe. With an emphasis on customer-first support, Lowell has served over 3.5 million people in the UK, helping them manage their debts through practical tools and personalised payment plans.
Lowell operates under a strong ethical framework, aiming to change the way people view and deal with debt. Their motto is simple yet powerful: “No one should face debt alone.”
The company is fully authorised and regulated by the Financial Conduct Authority (FCA) and operates under strict UK regulatory compliance.
Who Leads Lowell Financial Ltd and How Is the Company Structured?
Lowell Financial Ltd is governed by a team of experienced professionals from across the financial services sector. The leadership structure blends risk management, financial accountability, and operational excellence.
Key Officers and Directors
| Name | Role | Appointed On | Occupation | Nationality |
| Fiona Claire Barker | Director | 1 July 2022 | Certified Chartered Accountant | British |
| Kevin Michael Blake | Director | 1 July 2022 | UK Chief Risk Officer | British |
| Kathryn Mary Morgan | Managing Director | 1 July 2022 | Managing Director | British |
| John Simon Pears | Company Director | 19 June 2018 | Company Director | British |
These leaders bring a combination of financial expertise, risk oversight, and operational efficiency to drive the business forward.
Their collective background ensures Lowell stays aligned with regulatory expectations while maintaining a supportive approach toward customers.
What Is the Capital Strength and Financial Position of Lowell Financial Ltd?
Lowell Financial Ltd operates as a private limited company under Company No. 04558936, with its current status listed as Active. The company falls under SIC Code 82911, denoting its principal business activity as “Activities of collection agencies.”
Lowell Financial Financial Overview
| Financial Detail | Information |
| Company Number | 04558936 |
| Company Type | Private Limited Company |
| Incorporation Date | 10 October 2002 |
| Last Accounts Made Up To | 31 December 2023 |
| Next Accounts Due | 30 September 2025 |
| Last Confirmation Date | 30 March 2025 |
| Next Confirmation Due | 13 April 2026 |
While precise turnover figures are not publicly disclosed, Lowell is known for managing millions of active accounts and operating at significant scale within the UK.
Its financial strength is supported by deep ties to global investment and credit management partners, enabling a high-volume operational model.
What Services and Features Does Lowell Financial Ltd Offer?
Lowell Financial Ltd provides a wide range of financial and debt management services, catering to both individual consumers and corporate partners.
Their digital-first approach and ethical recovery strategies set them apart in a traditionally challenging sector, helping customers regain control over their finances while maintaining professional standards.
Services for Individuals (Consumers)
Lowell offers tailored solutions to help individuals manage their debts effectively:
- Debt Management: Lowell purchases debts from original lenders and works directly with customers to manage repayments.
- Budget Calculator: Helps individuals determine affordable monthly payments.
- Payment Plans: Flexible, interest-free options designed to suit each customer’s financial situation.
- Online Account Access: Customers can manage debts, make payments, and access support 24/7 through Lowell’s secure portal.
- TransUnion Credit Score: Individuals can check their credit score for free.
- Benefits Calculator: A third-party tool helps users check for unclaimed benefits.
These services are available via Lowell’s mobile app and secure online platform, allowing customers to take control of their debt in a supportive and convenient environment.
Services for Businesses
Lowell also works with corporate partners, offering solutions that streamline debt management and improve financial outcomes:
- Debt Portfolio Purchasing: Lowell buys debt portfolios from companies across sectors such as telecoms, energy, and finance.
- Debt Servicing: The company services third-party debts using in-house customer management teams.
- Data Analytics: Provides insights to enhance creditor portfolios by identifying active and valuable customer accounts.
- Business Process Outsourcing (BPO): Offers third-party management of customer financial services and collections.
Lowell is trusted by leading utility providers, banks, and telecommunications firms to manage sensitive financial matters professionally, ethically, and lawfully.
What Do Customers and Employees Say About Lowell Financial Ltd?
Lowell has mixed customer reviews, reflecting the challenging nature of its business in debt collection. However, a consistent theme is the company’s commitment to empathy and transparency.
| Review Type | Summary |
| Positive | Customers praise helpful service reps, affordable payment plans, and clear communication. |
| Negative | Some report issues with disputed debts, aggressive collection tactics, or incorrect reporting. |
| Neutral | A blend of satisfaction with outcomes but frustration during early stages. |
Overall, the organisation appears to prioritise compliance and professionalism, with varying experiences depending on the department.
How Can You Contact Lowell Financial Ltd?
Lowell offers multiple contact methods, ensuring accessibility and convenience for all customers and business partners.
Main Contact Information:
| Category | Details |
| Phone – General | 0333 556 5550 |
| Phone – Payments | 0333 556 5552 |
| Mailing Address | PO Box 13079, Harlow, CM20 9TE, UK |
| Registered Office | No. 1 The Square, Thorpe Park View, Leeds LS15 8GH |
| Website | www.lowell.co.uk |
| Online Chat | Available on the website (bottom-right corner) |
If you receive a suspicious call claiming to be from Lowell, hang up and call them back on their official number (0333 556 5550) to verify the contact.
Why Choose Lowell Financial Ltd?
Lowell Financial Ltd is a leading name in the UK’s debt recovery and financial management sector, recognised for its ethical practices, digital innovation, and customer-focused approach.
With over 20 years of experience, Lowell has built a strong reputation for supporting individuals and businesses through responsible debt collection. Their presence reflects financial strength and a commitment to helping people become debt-free without adding extra pressure.
As part of the wider Lowell Group, the UK business benefits from investment in technology, analytics, and customer service innovation. This enables Lowell Financial Ltd to deliver secure, efficient, and empathetic debt solutions at scale while maintaining strict compliance with UK financial regulations.
Key strengths include:
- Deep expertise in purchasing and servicing large-scale debt portfolios
- No interest or admin fees added to debts when customers engage
- Digital-first solutions including a customer portal and mobile app
- FCA-authorised and fully regulated debt collection practices
- Budgeting tools and benefits calculators to support financial wellbeing
Serving individuals from all walks of life and partnering with major financial institutions, utility providers, and telecoms companies, Lowell provides a bridge between creditors and customers. Their fair, accessible, and structured payment plans allow people to manage debt responsibly and regain control over their financial future.
