Lowell Reviews 

Very simple to sort out my bills

Very helpful and understanding.
At no point did I feel pressured.

Professional, cooperative and well trained staff

I am struggling with mental health, and have tjis to deal with.

Speaking to them on the phone was easy and straight forward. They gave me good advice on how much they expect me to pay on monthly basis. I suggested on how much I could afford and they were very understanding.

The ineptitude of this company beggars belief!
I have now had 2 complaints against this company upheld ! Yet they continue to pay lip service to Trustpilot and me ! Companies like this should not be allowed to operate and not display a clearly erroneous trust pilot score which completely misrepresents this awful organisation !

The man I spoke to was very thoughtful and helpful

Extremely helpful from day 1, worked with me to help me with my debts, no pressure just help

Lowell made everything so easy great to deal with

I am disappointed with my experience with Lowell.

The account originally relates to a Capital One credit card. I have submitted a formal complaint to Capital One, and their Complaints Team has confirmed that they are carrying out a full investigation into my concerns and will provide a formal outcome once their review is complete.

Despite this, I continue to be passed between Capital One, Lowell and now Overdales Solicitors. As a customer, it is extremely frustrating because no one appears to be taking clear responsibility for resolving the issues I have raised.

If Lowell is now responsible for this account, I would appreciate a clear explanation of your role, why collection activity is continuing while the original lender's complaint is under investigation, and how you have satisfied yourselves that the information being relied upon is accurate.

I believe customers deserve clear communication and accountability, not to be passed from one company to another without their concerns being properly addressed.

I hope Lowell will review this matter and provide a clear and transparent response.

My experience with Capital One has been extremely disappointing.
When I experienced financial difficulties, I contacted Capital One to explain my circumstances and discuss an affordable repayment arrangement. I believed I was engaging with them in good faith, yet my account was later transferred to Lowell.

Since then, trying to establish exactly how my balance has been calculated and how my account has been reported to the credit reference agencies has been frustrating. I have asked for a detailed explanation and supporting evidence, but I still feel my questions have not been properly answered.

What has been particularly disappointing is the lack of clear communication between Capital One and Lowell. Capital One now refers me elsewhere, while Lowell has not fully addressed the specific issues I have raised regarding the balance and the accuracy of the information being reported on my credit file.

Consumers deserve transparency. If a debt is transferred, there should be a clear explanation of what has happened, how the balance has been calculated, and who is responsible for answering questions. In my case, I have found myself being passed between different companies without receiving the answers I was looking for.

I have now had to raise formal complaints and request supporting documentation to understand how this account has been managed.

I hope Capital One and Lowell will now provide the full information requested so this matter can finally be resolved.

Edit

Delete

Share
Capital One UK logo
Reply from Capital One UK

Jul 20, 2026
Dear Mohammed,

Thank you for taking the time to leave a review.

Our aim is to provide our customers with the best possible service at all times, so it’s disappointing to learn that your experience did not meet these expectations.

I understand your frustration regarding your account being transferred to Lowell, especially after you had already established a payment arrangement with us. To provide some context, Capital One utilises various methods for recovering unpaid debt, which includes selling accounts. Although I appreciate your concerns, I’d like to assure you that the organisations we partner with specialise in assisting customers who require extended periods to clear their balances. Lowell is fully regulated by the Financial Conduct Authority, just as we are, and they are committed to working with you to maintain an affordable repayment plan.

I am also sorry for any lack of clarity in the communications between you, Capital One, and Lowell. We aim for all of our correspondence to be completely transparent, and I'm sorry to hear this wasn’t your experience.

Since you’ve submitted a formal complaint, a dedicated member of our Complaints Team will thoroughly investigate your concerns. They will reach out with a complete outcome as soon as the review is finalised, ensuring any necessary remedial steps are taken and any outstanding documentation is fully addressed.

Kind regards,

Abbie

Helped me out when I needed it, thank you Lowell!

I got a phone call, it was about my payments, I was happy with what I was paying but I was given an alternative way, still paying the same amount, everything was explained in detail in a way I could understand, the lady I was talking to was very helpful, I would recommend anyone to use this service

Very pleased with them doing my bill

that allowed me to set up a regular payment.

Very helpful

Lowell is a very good company ,has understood my difficult time and situation

Very friendly and pleased to have finally paid off my sofa

Very helpful, polite and courteous throughout the conversation