Lowell Financial Ltd
Lowell Financial Ltd is an FCA-authorised debt collection company (Firm Reference Number 730175) that, per Lowell’s own published materials, services debts owned by Lowell Portfolio I Ltd within the Lowell group.
Who they are
Lowell Financial Ltd is registered in England and Wales (Companies House number 04558936) with its registered office at 1 The Square, Thorpe Park View, Leeds, LS15 8GH. Companies House records its incorporation date as 10 October 2002 under the original name Premier Seekers Limited, renamed to its current form in 2004. Per Lowell’s own FAQ at lowell.co.uk, Lowell Financial Ltd is part of a wider Lowell group that also includes Lowell Portfolio I Ltd (which the FAQ states purchases debt from original creditors) and Overdales Legal Limited (the group’s solicitors, regulated by the Solicitors Regulation Authority under SRA number 806769). Lowell’s corporate website at lowell.com describes the wider group as operating in the UK, DACH (Germany, Austria, Switzerland) and Nordic regions.
Regulatory status
Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority under FCA CONC rules for consumer credit firms. Its Firm Reference Number is 730175 and it has been authorised since 21 June 2017 per its FCA register entry. Lowell Financial Ltd is a member of the Credit Services Association (CSA), the UK debt collection industry trade body, listed as member 335 in the CSA member directory.
The FCA register records two requirements applied to Lowell Financial Ltd. The first, effective 2 December 2022, is a standard consumer buy-to-let carve-out applied to many consumer-credit firms. The second, effective 7 March 2025, is a Deed Poll requirement stating that the firm has “accepted responsibility for” the past business of Lowell Portfolio I LTD (FRN 730071). Lowell Portfolio I LTD itself ceased to be FCA-authorised with effect from 18 August 2025 per its own FCA register entry. No enforcement actions, fines, or supervisory notices against Lowell Financial Ltd itself were recorded on the FCA register at the time of last verification.
How they may contact you
Debt collection companies in the UK typically contact people by letter, phone, text message, or email. Where a contact letter relates to a Lowell debt, Lowell’s own published address for correspondence and complaints is 1 The Square, Thorpe Park View, Leeds, LS15 8GH per the FCA register. Per Lowell’s own FAQ, where a case has been escalated to the group’s solicitors you may instead receive correspondence from Overdales Legal Limited.
Your rights if they contact you
Under FCA CONC rules, you can ask Lowell to provide evidence that the debt exists and that they have authority to collect it. You can ask Lowell to apply forbearance if you are in vulnerable circumstances such as serious illness, bereavement, or financial hardship. If you are not satisfied with how Lowell handles your complaint, you can refer it to the Financial Ombudsman Service free of charge. In England, Wales, and Northern Ireland the Limitation Act 1980 provides that most unsecured consumer debts generally become unenforceable in court after six years if no payment has been made and the debt has not been acknowledged in writing during that period; in Scotland the Prescription and Limitation (Scotland) Act 1973 generally provides a five-year period.
Where to get free help
You do not need to deal with debt collection contact alone. Free, confidential debt help is available from regulated UK debt charities and from Citizens Advice. Speaking to a debt adviser is free and will not affect your credit file.
Last verified 26 May 2026 by the Compliance Reviewer.