FAQs

We have provided answers to some of our most frequently asked questions. If the information you require is not stated below, please do not hesitate to contact us.

General information about Lowell Solicitors

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Established in 2015, Lowell Solicitors is a specialist law firm providing industry leading litigation and debt recovery services to clients seeking to recover outstanding debts.

Lowell Solicitors Limited is part of the Lowell Group and is authorised and regulated by the Solicitors Regulation Authority. SRA No. 622605

For the best way to contact us, please refer to our Contact Us page.

My account and contact from Lowell Solicitors

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Calls from a landline will be charged at a local rate. Mobile phone charges can vary based on network provider. Contacting us through our website and email is free.

To find more details about our opening hours and the contact methods available click here.

We offer a range of convenient methods by which payments can be made.

To make a payment online please click here

Login or Register to easily make payments and amend a Direct Debit.

Payments can be made over the telephone. To see our contact details please click here.

We strongly advise you not to send cash through the post.

If you need to speak to someone, visit our Contact Us page.

You can contact us through a variety of methods to find out more information about your account.

To see details about our opening hours and the contact methods available click here.

If you have had a missed call from Lowell Solicitors you should get back in contact with us as soon as possible using the numbers provided or by one of the other available methods.

To see the details about our opening hours and the available contact methods please click here.

If you have received a letter from us, it is important you respond as required to avoid any legal consequences.

If you do not respond to our contact or to the court when prompted to do so legal proceedings may continue.

To see the details about our opening hours and the available contact methods please click here.

We will explain the status of the debt we are instructed to recover, and what stage the proceedings are at.

We will not use legal jargon or technical terms without explaining them to you, and we will give you the opportunity to make payment and/or resolve any dispute so as to remove the need for legal proceedings, where this is possible.

We will listen to what you say and suggest you take independent legal advice where this would be helpful to you. If you need time to consider your position, or to take any legal or financial advice, we will give you time to do so.

If you are struggling with your budget or unable to make a scheduled payment then please get in touch as soon as possible to discuss your circumstances with one of our team.

Our opening hours and the available methods to contact us can be found on the following link

Our aim is to work with you all at all points of contact in a professional, understanding and timely manner so that where appropriate an amicable solution can be agreed.

If you are concerned about existing or proposed legal action, you may wish to seek independent advice through a solicitor or the Citizens Advice Bureau:

Citizens advice Bureau national phone service for England call 03444 111 444, for Wales call 03444 77 20 20 or Text Relay users should call 03444 111 445. https://www.citizensadvice.org.uk

If you are concerned about debts, you may wish to seek free confidential and impartial advice through organisations such as:

Step Change Debt Charity provide free and independent debt advice throughout the UK and can be contacted on 0800 138 1111. https://www.stepchange.org

National Debtline provide debt advice and information and can be contacted on 0808 808 4000. https://www.nationaldebtline.org

 

If we are trying to contact someone who does not live at your address, please let us know by calling 0113 335 3334 or emailing us at help@lowellsolicitors.co.uk.

Unopened mail can be returned in the post by crossing out the delivery address and marking the envelope ‘No longer at address – please return to sender’.

Dealing with a Debt Management Agency or Advisor

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It is important that you provide your debt management agency or advisor with our contact details and your reference number as soon as possible.

You also need to provide us with their reference number and information as soon as possible to avoid further action being taken.

It is possible that your Debt Management Agency or Advisor is unaware of this debt.

You should provide them with our contact information and reference number as soon as possible to avoid any further action being taken.

It is also important that you provide us with ther reference and details as soon as possible.

My credit file

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Where our client is reporting your debt to the Credit Reference Agencies (CRAs) it is likely to affect your credit worthiness in the eyes of other lenders, potential employers and other service providers.

Lowell Solicitors does not report your debt to the CRAs, but our client will be aware of any payments that you make and will update your record accordingly.

If a CCJ is registered against you and you make full payment within one month calendar month, we will apply to have the CCJ entry removed from your credit file.

If you do not make full payment within one month, the CCJ will remain on your Credit File for 6 years and will make it more difficult for you to obtain further credit, such as a mortgage, credit card, car finance or mobile phone contracts. However, if you make payment in full during this time we will update the Court and the status of the CCJ will be marked as ‘satisified’ which could improve your credit rating and help you get your finances back on track.

You may find it helpful to visit the Registry Trust website for more information about the recording of a CCJ.