If you’ve received a call from 03335565835, you’re likely dealing with Lowell Financial, one of the UK’s largest debt collection agencies. This number is legitimate but has sparked widespread complaints about aggressive tactics, repeated calls, and confusion over debts. In this guide, we’ll explain who Lowell is, why they’re contacting you, and how to stop unwanted calls—while protecting your rights.
Who Called Me from 03335565835?
03335565835 is a non-geographic UK number used by Lowell Financial Debt Collectors, a company that purchases unpaid debts from banks, telecom providers, and utility companies like Vanquis Credit, Capital One, O2, and Littlewoods 38. Lowell then attempts to recover these debts, often through persistent calls and letters.
Key facts about Lowell:
- Operates since 2007, regulated by the Financial Conduct Authority (FCA).
- Known for issuing County Court Judgments (CCJs) if debts are ignored 313.
- Uses multiple contact numbers, so blocking one may not stop calls 3.
Why Am I Being Called by 03335565835?
Lowell contacts individuals for several reasons:
- They’ve purchased your debt: Original creditors (e.g., credit card companies) sell unpaid debts to Lowell for a fraction of the value.
- Missed payments: If you’ve defaulted on loans, bills, or credit agreements, Lowell may step in to collect.
- Outdated contact info: They might trace you via public records or credit files if your details have changed 13.
Common scenarios:
- Calls for someone else (e.g., previous phone owner or incorrect data).
- Disputes over old debts, including statute-barred debts (over 6 years old in England/Wales) 411.
- Aggressive tactics, such as multiple daily calls or workplace harassment 1114.
What Happens If I Can’t Pay?
Ignoring Lowell can lead to serious consequences:
- CCJs: A court judgment could damage your credit score for 6 years.
- Increased debt: Interest and fees may accrue if unresolved 47.
- Bailiff action: Only after a CCJ is issued 4.
Options if you can’t pay:
- Negotiate a payment plan: Lowell often accepts affordable monthly payments.
- Seek debt advice: Free services like StepChange or Citizens Advice can help 13.
- Challenge the debt: Request proof of ownership and validity. Use a “prove the debt” letter template.
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How Should I Deal with Lowell?
Follow these steps to manage contact from 03335565835:
- Verify the debt:
- Ask for a Notice of Assignment or Letter of Authority confirming Lowell owns the debt 13.
- Check your credit report for accuracy.
- Communicate in writing:
- Avoid admitting liability until the debt is verified.
- Use recorded delivery for letters.
- Know your rights:
- Lowell cannot harass you, call outside 8am–9pm, or discuss your debt with others 4.
- Report violations to the Financial Ombudsman Service (FOS) 411.
How Do I Stop the Calls and Letters?
To reduce contact from Lowell:
- Submit a formal request: Send a letter asking them to limit communication to specific times/methods.
- Complain to FOS: If Lowell ignores your preferences 411.
- Block numbers: Though Lowell may use alternate numbers, blocking can reduce immediate stress 14.
Example letter template:
“I request that all future communication regarding [reference number] be in writing only. Unauthorized calls may be reported to the FOS.”
Need Help with Debt?
Lowell Financial Debt Collection Contact Details
| Method | Details |
|---|---|
| Phone | 03335565835 (Mon–Fri 8am–8pm, Sat 8am–2pm) 4 |
| [email protected] | |
| Address | Lowell Financial, PO Box 13079, Harlow, CM20 9TE 8 |
How to Deal with a Debt Collection Letter from Phillips & Cohen Associates
While Phillips & Cohen isn’t directly linked to Lowell, debt letters should be handled similarly:
- Verify the debt: Request proof of ownership.
- Dispute inaccuracies: Use templates from MoneyHelper 4.
- Seek advice: Contact free debt charities for support.
A Guide to an Attachment of Earnings Order
If Lowell obtains a CCJ, they might apply for an Attachment of Earnings Order, deducting payments directly from your salary.
- How to challenge: Prove financial hardship or errors in the claim.
- Legal aid: Consult a solicitor or debt advisor 37.
Key Resources
Contact the Money Advice Team
For free, impartial support:
- Call: 0800 368 8133 (freephone) 3.
- Online: Submit a callback request via debt charity websites.
Final Thoughts
Calls from 03335565835 can be stressful, but understanding your rights is crucial. Always verify debts, negotiate payment terms, and report harassment. Remember: statute-barred debts older than six years may no longer be enforceable 411.
Need urgent help? Contact the Money Advice Service or use the free helpline above. Don’t let debt collectors control the narrative—take proactive steps today with Networkustad .
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