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.

Please visit our Coronavirus FAQs page for further information. 

Established in 2015, Lowell Solicitors is a Leeds-based, specialist law firm providing industry leading litigation and debt recovery services to the Lowell group of companies.

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

If you would like to speak to a member of our helpful team, please Contact Us.

Overdales Solicitors has started to take conduct of a number of cases previously handled by Lowell Solicitors.

If your case is now being handled by Overdales Solicitors, you will be contacted directly.

For further information about Overdales Solicitors, visit www.overdales.com

Lowell Solicitors will have contacted you in relation to an unpaid debt.

This debt would have been assigned from the original creditor to Lowell Portfolio I Ltd (our client).

Our client will have instructed Lowell Solicitors to recover this debt using legal action (where necessary) after the person owing the debt failed to repay the balance.

You can contact us through a variety of methods if you have any queries or to find out more information about your account.

Online

Maybe you want to know the status of your account, the outstanding balance or view your Lowell Solicitors’ transactions history?

If so then you can register an account and login to manage your account online without having to pick up the telephone. You can also make payments and use our helpful Budget Calculator to check out what you can afford.

Telephone

We have dedicated telephone numbers depending on the status of your account.

You can call a member of our helpful team using the relevant number on our Contact us page.

Calls from a landline will be charged at a local rate. Mobile phone charges can vary based on network provider.

Email

You can also email us at help@lowellsolicitors.co.uk

When you email this address for the first time, you will be asked for some security information to verify that you are the account holder.

If you have had a missed call / received a letter from Lowell Solicitors you need to Contact Us as soon as possible to avoid any potential legal consequences.

A member of our helpful team will explain whether legal action has commenced to recover your debt and inform you about the relevant stage of proceedings your debt is 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 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 where possible.

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.

We offer a range of convenient methods to make payments.

Pay online

The easiest way is to register an online account and login to check out what you can afford, view your transaction history and make payments including setting up / amending a Direct Debit.

You can also make payments without logging in from our Payments page.

Give us a call

If you need to speak to someone, find the relevant number from our Contact Us page and call a member of our helpful team who can assist you.

Other payment options

We also accept a range of other payment options which are available here.

We strongly recommend that you not to send cash through the post.

If you are struggling with your budget or unable to make a scheduled payment, please contact us to discuss your circumstances with one of our helpful team.

Our aim is to work with you at all points of contact in a professional, understanding and timely manner so that where possible, 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:

The Citizens Advice Bureau national phone service for England is 03444 111 444; for Wales call 03444 77 20 20 or Text Relay users should call 03444 111 445.

Website: https://www.citizensadvice.org.uk

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

  • StepChange Debt Charity provide free and independent debt advice throughout the UK and can be contacted on 0800 138 1111. Website: https://www.stepchange.org
  • National Debtline provides debt advice and information and can be contacted on 0808 808 4000. Website: https://www.nationaldebtline.org

You will have received a notification from Lowell Financial Ltd that Lowell Solicitors Limited has been instructed to recover the outstanding balance.

You will have received a Letter of Claim as you have not responded to the above notification by:

  • repaying the amount you owe; or
  • maintaining an agreed payment plan; or
  • contacting us to resolve this matter.

The Letter of Claim (enclosing a Pre Action Protocol Response Pack) details how you need to respond within 30 days of the date of the letter to avoid a County Court Claim being issued against you.

We sent you a Letter of Claim detailing how you could avoid a County Court Claim being issued against you.

You had 30 days to:

  • pay the debt in full; or
  • maintain an agreed payment plan; or
  • contact us to resolve this matter; or
  • send the relevant response to us using the Response Pack.

As you have either failed to respond to the Letter of Claim or your response did not resolve this matter, a County Court Claim has been issued against you to recover the outstanding debt. 

The County Court Claim pack will specify the time the court has given you to respond.

The Claim Form sets out the options available you, which are:

  • paying the full amount
  • admitting you owe the full amount but request time to pay
  • admitting you owe the full amount but want to pay at a later date
  • completing the Part Admission if you believe you owe some of the amount claimed
  • defending the claim (if you do not think you owe any money or you have already paid)

The Claim Form also states that failure to respond to the claim within the timescales provided could result in a County Court Judgment (CCJ) being entered against you.

If you are unsure how to complete the response pack and/or require guidance, you can seek independent advice.

Online

You can now make a full admission online if you admit you owe all of the claim but need time to pay.

  1. Register an account online
  2. login.
  3. Select the relevant account
  4. Respond to the claim
  5. Select the option - I admit I owe all of the claim but I need time to pay
  6. Complete the court affordability form – This will save your information onto our system
  7. You can then make an offer of payment and set up a Direct Debit in order to respond to the claim.

Depending on the length of time your payment offer takes to pay the claim in full, a County Court Judgment (CCJ) may be entered against you.

Give us a call

You can call 0113 333 3338 and speak to a member of our helpful team who will get an understanding of your circumstances.

You may fill in the Part Admission form - which is where you admit to owing an amount less than the Claim amount.

You may fill in the Defence and/or Counterclaim form contained in the response pack.

If you do not respond to the claim in the time specified, we may be instructed to make an application to the court for a County Court Judgment (CCJ) to be entered against you.

A CCJ could have been entered against you as you:

  • failed to respond to the County Court Claim as directed to do so; or
  • failed to maintain your agreed payment plan; or
  • failed to contact us to resolve your debt.

If you pay your debt in full within one calendar month from the date the CCJ was entered, we will notify the Court who will notify Registry Trust that the CCJ should be cancelled. Once cancelled, Registry Trust will notify the credit reference agencies that the CCJ can be removed from your credit file.

If you do not make full payment within one calendar month of the CCJ date, the CCJ will remain on your credit file for 6 years and may make it more difficult for you to obtain further credit, such as a mortgage, credit card, car finance or mobile phone contracts.

If you make full payment after one calendar month of the CCJ date, we will update the Court and the status of the CCJ will be marked as ‘satisfied’ which may improve your credit rating and help you get your finances back on track.

If a solicitor is acting on your behalf, we require letter from your solicitor confirming that they are acting on your behalf.

We cannot deal with correspondence from other third parties unless you, as the account holder, authorise them to act on your behalf.

Please call us on 0113 335 3334 to provide this authorisation or send in written signed authority (either by post or attached to an email sent to help@lowellsolicitors.co.uk).

It is important that you provide the authorised third party working on your behalf with our contact details and your Lowell 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 authorised third party is unaware of this debt.

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

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