Jeg sendte en e-post til Lowell

Erik Ribsskog <eribsskog@gmail.com>
Complaint/Fwd: Your account hold period is ending
Erik Ribsskog <eribsskog@gmail.com>	15. august 2025 kl. 09:24
Til: customer_services@lowellgroup.co.uk
Kopi: Contact <contact@dmpay.co.uk>, Q&A <contactus@stepchange.org>, post <post@finkn.no>, Sfovpost <sfovpost@statsforvalteren.no>, amnestyis <amnestyis@amnesty.org>, HRW UK <hrwuk@hrw.org>, postmottak@sivilombudet.no, Akademikerforbundet <post@akademikerforbundet.no>, Politikk Høyre <politikk@hoyre.no>, report@phishing.gov.uk, Phso Enquiries <phso.enquiries@ombudsman.org.uk>, 200018144 <epost@nito.no>, post@unio.no, post@hk.no, Post <post@forbrukerradet.no>, "inger.lise.blyverket" <inger.lise.blyverket@forbrukerradet.no>, lisa.eian@elden.no, Postmottak <postmottak@forbrukertilsynet.no>, postmottak@dfd.dep.no, mail@retshjaelpen.dk, h.bleken@haavind.no, goa@gjeld.org, Postkasse <postkasse@datatilsynet.no>
Hi there,

I'm unemployed in Norway, at the moment.

I also was unemployed in the UK, during/after the finance-crises.

Then Stephchange adviced me, that I could pay token-payments, untill I got a job.

So I can offer you to pay montly token-payments, to do with this debt.

(Like use to pay your collegues Debt Management, before Brexit).

I can pay you 10 NOK a month, untill I get a job.

Erik Ribsskog

PS.

This I think was a credit-card, that I got, when I lived in Liverpool City Center.

(Where I lived from 2006 til 2011).

So this debt is almost 20 years old.

And this is on top of a 'fishy' EE-debt that you have been buging me with, earlier this year.

So this I have to complaint about.

What's this supposed to mean?

I want a reply from a superior about this.
 

---------- Forwarded message ---------
Fra: Lowell <NoReply@lowellgroup.co.uk>
Date: fre. 15. aug. 2025 kl. 07:06
Subject: Your account hold period is ending
To: <eribsskog@gmail.com>



Lowell



Mr Erik Ribsskog

YOUR OUTSTANDING ACCOUNTS
ORIGINAL COMPANY NAME	LOWELL REF	BALANCE
Capital One	120143797	£880.58
£
£
£
£
£
BSENDDEF
15/08/2025



Dear Mr Ribsskog

Your account hold period is ending
We placed your account(s) on hold to give you time to get some debt advice. This hold period ends on 22/08/25.

What happens next?
If we don’t hear from you after 22/08/25, we’ll contact you to discuss options for your account.

If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.

You can review your account(s) online or call our friendly team on 0333 556 5700 if you have any questions.





Tap, Click or Scan to download the Lowell App	www.lowell.co.uk	0333 556 5700
Mon-Fri 9am-6.30pm & Sat 9am-4pm	PO Box 13079,
HARLOW, CM20 9TE
Independent free debt advice available
www.moneyhelper.org.uk
0800 138 7777
Government-backed, free,
impartial money advice
(see below for more info).


Yours sincerely

Lowell Customer Team


Sharon. 29/07/2024. Coleraine, UK.
The website is so easy to understand and straightforward to use. I set up a plan in 5 mins, no problem!



Andy. 20/08/2024. Scarborough, UK.They really are there to help. Just be honest and don’t be afraid to talk about your debt – they are very empathetic.

Calls may be recorded for training and monitoring purposes. Lowell Portfolio I Ltd, Company Registration number 4857418 and Lowell Financial Ltd, Company Registration number 4558936, are registered in England and Wales. Registered Office No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH. Lowell Portfolio I Ltd and Lowell Financial Ltd are Authorised and Regulated by the Financial Conduct Authority.
INTRODUCING LOWELL
Lowell is a group of leading companies in the debt purchasing business. We are Lowell Financial Ltd (LFL) and we will be supporting you by providing you with enough time and the right options to deal with your debt(s) based on your circumstances. Our opening hours are: Mon-Fri 9am-6.30pm & Sat 9am-4pm. Calls from a landline will be charged at a local rate; mobile charges may vary.
HOW WE USE YOUR DATA
Our privacy notice can be found at www.lowell.co.uk/our-privacy-promise. This explains what personal data we collect about you and how we use it; it also sets out your rights and how to exercise them. To listen to our customer privacy notice, please call 0800 021 2075 or if you would like a copy, please contact us.

FREE IMPARTIAL DEBT ADVICE	UPDATING YOUR CREDIT FILE
FREE IMPARTIAL DEBT ADVICE PROVIDERS

www.moneyhelper.org.uk - 0800 138 7777 - government-backed free debt and money advice support and solutions

www.moneywellness.com - 0161 518 8285 - confidential advice and ongoing support and solutions

www.stepchange.org - 0800 138 1111 - UK's leading debt charity for advice and solutions

www.businessdebtline.org - 0800 197 6026 - business debt advice

www.citizensadvice.org.uk - 0800 144 8848 - face-to-face holistic advice available

If we’re reporting your account to the credit reference agencies, late payment markers will continue to be reported on your credit file each month, this could impact your ability to obtain credit in the future. However, we will not register a new default on your account if your account is on hold. If your account has already been defaulted, the default will continue to show on your credit file for six years.

MAKING A COMPLAINT
At Lowell, we are committed to working in a fair, reasonable, and respectful manner. We have a documented Complaints Procedure – a copy of which is available upon request. If you want to make a complaint, contact our Customer Relations Team. The easiest way to do this is online at www.lowell.co.uk in the contact us section, by calling us on 0800 542 0058 (we’re open: Mon-Fri 9am-6.30pm), or by writing to us at Customer Relations, PO Box 13079, HARLOW, CM20 9TE.