Lowell Group Reviews 349

I completed a full private remedy process with this company and served a Notice of Dishonour & Perfected Claim.They did not provide any verified claim or lawful rebuttal.This message stands as public notice that the matter is recorded in dishonour and remains unrebutted.

I’m raising this review because I’ve experienced significant issues with Lowell’s handling of an account they purchased from PayPal/Moorcroft.

Lowell added a default to my credit file for a PayPal Pay in 3 agreement — a product that PayPal does not report to credit reference agencies and does not default under the Consumer Credit Act. Before Lowell purchased the account, I had an active repayment plan with Moorcroft, and payments were being made. Despite this, Lowell:

registered a default that never existed with the original creditor,

backdated the default to a time when they did not own the debt,

failed to reconcile payments already made to Moorcroft,

and provided no evidence that a default notice was ever issued.

I contacted Lowell multiple times with detailed information, including emails and a recorded‑delivery letter. Their only reply was a generic message claiming they had already issued a “final response” in December — a response I never received — and they have ignored every subsequent email I’ve sent asking them to address the inaccuracies.

I’ve since learned that many other customers have raised similar concerns about PayPal accounts being defaulted incorrectly after being sold to Lowell. This appears to be a wider pattern, not an isolated case.

Given the lack of investigation, the failure to respond properly, and the serious impact this inaccurate default has had on my employment and mortgage process, I’ve now escalated the matter to the Financial Ombudsman Service and the Information Commissioner’s Office.

I would welcome a proper review of my case, but so far Lowell has not engaged with the evidence I’ve provided.

An alleged debt close to 20 years old which was confirmed in writing as not ours. They ignored the letters so phone call requesting them to back off as its not our debt and no knowledge as nothing on credit file etc and they claim it won't go away unless its paid. Have formally written to them requesting them to leave us alone as any alleged debt is stature barred and the despite the lack of any supporting documentation provided by them they continue to ignore this so now reported to the FSA for possible fraudulent practices.

Their complaints department don’t know the law they will take money from any vulnerable person.

These people are debt collectors who take on mostly fraudulent debt from dodgy car parks. They usually have connections to the car park companies via a director, or linked addresses.
They get hold of your phone number by illegal means, breaking Data protection laws doing so. Paying for phone number lists obtained illegally from Dark Web hackers.
Ask them where they obtained your phone number from...they won't be able to answer you, because it's been obtained illegally.
Each and every person working for crooks like these should be behind bars.

THIS COMPANY CHASE STATUTE BARRED DEBTS, THE THEY WILL LIE TO YOU AND SAY THAT THEY CAN CHASE IT THROUGH THE COURTS. DO NOT PAY A PENNY UNTIL THEY HAVE GIVEN YOU EVIDENCE OF THE DEBT, AND IF THE DEBT HAS HAD NO CONTACT OVER 6 YEARS, EVEN WITH A CCJ, YOU MAY NOT NEED TO PAY.

UPDATE - CLEAR REFUSAL TO PROVIDE EVIDENCE OF DEBT. COMPLAINT LOGGED SO FCA CAN INTERVENE.

You haven't answered a single question all you have are accusations of payment and claims that you're rated 5 stars but I go online and its 1 star, all of which are the same experiences that I am having to deal with due to your incompetence, you're previous email was on a no reply email of a receipt that as I am aware I yes I have already paid yes PAID with no actual information just "here are the receipts you asked for" I asked not for receipts but for reason, until you actually communicate like an actual company I am only to believe this is some kind of fear mongering scam!

Lowell gave me ccjs on statue barred debts. Don't know why the court allowed this.

You do what under one star I was going to give you below the below so you're another shark company that is a part of the Lowell family very nice building very nice building you build with peoples that's

Throughout the duration of your hold on my debt, I have not received any correspondence or communication from you.
This statement is contradictory because I have been under review for the past 20 years and have had to pay every penny to meet your strict criteria.
Now when I wanted to repay you, you're still maintaining the right to delve further into 'my business'.
You proposed a counter offer of 40% in real figures from £1159.18 > 695.51 before granting me the redemption figure offer that was rejected at 60%.
Even adding a pound to launch the one-time payment for closing the account.
It is fortunate that I am not going through the Ombudsman to discuss this matter further, as every agency that purchased this original debt outstanding has earned a profit for the past 20 years to date.

It took me 5 phone calls of which 2 were wasted on the bot.
Blocking customer service agent and 3 attempted calls to deal with this stressful situation.
The 1st agent refused to give redemption figure because I would not answer more personal reasons for discharging the debt.
And sent me an email generic link detail which my bank did'nt recognise as 'Lowell' and should of been 'Lowell Portfolio Ltd'.
The 2nd put forward my proposal of 60% which was countered with your offer of 40% even though I pointed out that by paying today would shave off four more years of carring a noose round my neck for the past 20 years.
The third lost call and the fourth managed to trace the lines of the other 3. After repeated q'ns contrary to 2nd agt proposal to direct debit one off payment I was invited to sacrifice another £ 1.00 to make the payment over the phone which failed three times.

This company harasses people that are protected by Mental Health Crisis Breathing spaces and Debt Relief orders.

Then their Call centre staff in South Africa demand the details of the mental health crisis, in my case witnessing a murder, , she needed this for my “financial wellbeing”.

I told her they do not have my consent to retain details of my mental crisis only the fact that there has been one in place.

She refused. I quoted GDPR, she says GDPR doesn’t apply to them.

How sick is this?

Definitely getting a copy of the call and under GDPR subject access request and sending it to the papers.

Considering a Protection from harassment Act 1999 , action.

Hi just an update from my previous review.
I have spoken with the Lowell team and it was a misunderstanding 🙂‍↕️
It’s been sorted now and the team was very helpful and understanding of my concerns and mental health.
Thank you guys ☺️

This company really stinks:

I would still describe this company as a “legal scammer". We all know, all scammers are “dirty liars" as well.

Why did I use the term “legal”? Because, sadly, they are officially registered in the UK as a company.

After I posted a review about them on Trustpilot (you can find my previous review there if you’re interested), they replied as follows:

Reply from Lowell Group

"Mr Mohammad Khan,
Thanks for reaching out to us here. We’ve sent you a DM to see what we can do to support you. Please don’t worry – just get in touch so we can help.
Kind regards,
Catherine."

When we look at their wordings— “We’ve sent you a DM to see what we can do to support you” — the term DM means “direct message,” and “We’ve” means the action has already been completed.

However, the fact is that I have not received any direct message from them at all.

So once again, as I mentioned in my previous review, they are “legal scammers.” They may be officially registered as a company in the UK, but in reality, I know them by their actions, as follows:

First, they sent a letter in my name to our address. According to them,
I had taken a mobile phone contract — including an iPhone 12 Pro Max handset — from O2 (UK) Ltd in 2021 and that I owed Lowell £1,226.05 because they had allegedly purchased this debt from O2. They also included a Lowell reference number in that letter.

After I contacted Action Fraud (UK Police) and reported the matter, I was issued a crime reference number (NFRC25……). I passed this number to Lowell. At that time, I gave them a very basic test — I asked if they could tell me my full name and my email address. They completely failed to do so. In addition, I challenged them to take me to court, as they would not be able to provide any details of my bank account or ID, which are required to purchase the products they mentioned. After that, they stopped sending letters in my name.

Surprisingly, this “legal scammer” then made a new attempt.

On 27 October 2025, a new letter arrived at our address with a new reference number and a slightly different amount of £1,229.10. This time, the letter was addressed not to me, but to my wife.

In this new letter, Lowell claimed that my wife had taken a contract with O2 (UK) Ltd, including an iPhone 12 Pro Max handset, in 2021 — and that they had purchased this alleged debt from O2, meaning she supposedly owed them the stated amount.

The truth is: neither my wife nor I have ever taken any contract from O2. In our entire household — including our two underage children — no one has ever used an iPhone handset. Moreover, until now, we could not afford to buy mobile phones for our children. I am a disabled person. Our family relies on my occupational pension. My wife has never worked and has always been a housewife. So, in her name, such a purchase would not even be possible.

We are absolutely confident that Lowell cannot provide any genuine evidence against us. They do not, and cannot, have our identification or bank details, which are required for signing any legitimate contract.

Once again, after I reported this new incident to 'Action Fraud', I was provided with another crime reference number (NFRC……), which I have already passed on to Lowell.

The police strictly advised us not to provide any further information about ourselves to Lowell.

While Action Fraud is already investigating this company, I desperately hope that Lowell’s licence will soon be cancelled.

we have sent letters starting that the so called debt is not ours we wrote letters we sent emails but they still send letters we explained to them over phone that some one had taken.out.these so called loans but all lowells said it will be paid well not by us they also bought the so called debt so even if it was ours which it isn't then it's not our bill they've bought it so they can not produce any paper work so Lowell stuff it we won't reply again

This debt was written off 6 years ago when i obtained my dro, lowell were written to and told, since then i have told them multiple times the debt does not exist, besides that the original debt was from 16 years ago so it was already statute barred before the dro eradicated all debts, 3 times catherine here has replied do not worry we will help you can you fill out the form and we will sort it out, 3 times i have sent the form back and now the threatening letters are accompanied by threatening emails all from lowell, still insisting i pay the debt, these people are absolutely the worst, total illegal harrassing idiots

Scum bags steeling from the poor to get rich, massive scam company just ignore the letters do not correspond. They buy statut barred debts for around 10% of what the original debt was , there a failed unprofessional company about to be liquidated , some of there files they chase belong to dead people lol haven't a clue how to work in line with the law or guild line, the FCA regularly close there cases and the FCO hate there nonchalant behaviour especially towards disabled and vulnerable people and that is a parliamentary legal act set up in 2006 nearly 20 years ago. This company 🤬 can go on for ever about them .
We can all set up
A collection company and run it like a cold shower of S:)T . And let's talk about the debts they owe haha hence the sell out to be restructured they owe more than what's on there books five times over . Insiders thanks 🙏🏻

Stop harassment every single day you call. Its relentless. Looks I'm not the only one who gets harrassed

I was contacted by this company, informing me I owed a sum of money on a Tesco credit card. I duly informed them via email, that the alleged account was statute barred and I wouldn't be paying. Despite me receiving written correspondence from them, they insisted on confirmation of said address and date of birth, before they would correspond with me via email. It took email ping pong over several weeks before they accepted I was the person they had originally written to. They finally admitted the account was SB and that the account would be closed. Lo and behold, I received another email informing me that they were looking to collect on another three SB accounts, to which I replied no payment would be forthcoming.

On 16th September 2025, I finally received not one, but four letters in one envelope, informing me all accounts were closed!

Advice to anybody who receives a letter from these people, they buy old debts at a fraction of the original cost, and then chase you for the full amount. Beware!

These clowns specialise in attempting to collect statute barred debts by hoodwinking people into making some sort of admission to the ‘debt’
Reading on forums this practice sometimes involves chasing old accounts from 15 plus years ago!
I’ve recently been contacted re some nonsense about a vanquis credit card and how to pay them - which I’m I have no intention of doing as there is no liability.
Their communication even mentioned ‘checks were made as to my old address , and various accounts opened there’ meaning I still live there according to them.
My ex partner and myself have checked these claims in case of fraudulent activity and everything is clear.
Lowell are treading a very fine line in not being reported to the FCA for these actions - that is if they even performed them at all , and not an effort to mislead.
They have been told to cease and desist , yet I received a further email demanding payment , so a report will be forthcoming

Had to pay off a debt to three mobile so I did, all of a sudden they want me to pay again although I have already payed? Absolutely ridiculous company