Jeg sendte en e-post til Lowell (i England)

Erik Ribsskog <eribsskog@gmail.com>
Complaint/Fwd: We are considering further recovery action
Erik Ribsskog <eribsskog@gmail.com>	5. januar 2026 kl. 19:30
Til: complaintsresolution@lowellgroup.co.uk
Kopi: customer_services@lowellgroup.co.uk, 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>, RBS <DigitalBanking@information.rbs.co.uk>, ~ RBS Customer Relations <Customer.Relations@rbs.co.uk>, Q&A <contactus@stepchange.org>, Internethelp <internethelp@barclays.com>, Rina Begum <Rina.Begum@cases.financial-ombudsman.org.uk>, "complaint.info" <complaint.info@financial-ombudsman.org.uk>, Lowell Norge AS <strom.no@lowell.com>, Lowell Norge AS <svc.no.nova@lowell.com>, Lowell Norge - kundesenter <kundesenter.no@lowell.com>, data.access@justice.gov.uk, "emb.london" <emb.london@mfa.no>, post@rettferdnorge.no, derya.incedursun@nordea.no, newsdesk@independent.co.uk, contactus@amnesty.org, samediggi@samediggi.no
Hi,

you should have received a £1 token-payment that I sent you at the end of last month.

If you don't have access to a computer (and can't see the updated balance) then it's a bit silly, I think.

This I have to complain about.

As far as I understand it, we have an agreement that I should send you £1 token-payments, until I get a new job.

Yet I get a lot of 'nagging-emails' from you, several times a week.

This time I got the reference-number right I think.

(120143797).

On the first token-payment (that I sent about a month earlier).

Then I possibly used the reference-number for the Vanquis-debt, that I paid you (after you bought the debt from Vanquis) in 2017.

(This was around £300.

If I'm not mistaking).

Regards,

Erik Ribsskog

PS.

Here is more about this:

'Erik Ribsskog
Your reference: 198760613
Erik Ribsskog 14. desember 2017 kl. 23:39
Til: post@lowellgroup.co.uk
Hi,

I’m refering to your letter from 11/12.
I’ve now arranged a payment from my account with RBS, of the £304.14, that I owe you/Vanquis.

(Since I’ve now finally managed to sell some property in Norway, after many many years).

So you should receive this payment one of the next days.

Thanks for the loan.

Regards,

Erik Ribsskog'.


---------- Forwarded message ---------
Fra: Lowell <noreply@lowellgroup.co.uk>
Date: man. 5. jan. 2026 kl. 18:57
Subject: We are considering further recovery action
To: <eribsskog@gmail.com>



Lowell



Mr Erik Ribsskog

YOUR OUTSTANDING ACCOUNTS
ORIGINAL COMPANY NAME	LOWELL REF	BALANCE
Capital One	120143797	£880.58
£
£
£
£
£
EPSN3DEF
05/01/2026



Dear Mr Ribsskog

We are considering further recovery action
Its important you get in touch with us to let us know how you will be paying your outstanding account(s). As you have not contacted us or set up a payment plan, we are considering taking further action to recover what you owe. This could mean we will look to continue recovery action which may include you receiving further calls, emails, letters and text messages.

What you need to do
We'd would prefer to avoid involving a third-party debt collection company and work with you directly, so please call our team today on 0333 556 5700.

If you prefer to manage your account(s) online, you can set up a payment plan on our app or website.





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

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 Financial Ltd is authorised and regulated by the Financial Conduct Authority.
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.
TO MAKE A PAYMENT OR TO SET UP A PAYMENT PLAN

If you already know how much you can afford to pay, you can use our automated 24 hour 7 day a week service to pay by debit card.

Call us on 0333 556 5700

Please have your Lowell reference number(s) and your debit card to hand.


If you bank online, you can pay directly to us.
Our bank account number: 39543749

Our sort code: 60-00-01

You'll also need your Lowell reference number(s).

If you set up payments this way, please let us know when to expect them so we can set up your payment plan for you.


Set up an affordable Direct Debit by calling us on 0333 556 5700 or by visiting our secure website www.lowell.co.uk. (you'll just need your reference number(s) and bank details). Alternatively, complete and return the Direct Debit mandate below.
To see the full Direct Debit Guarantee see www.lowell.co.uk/direct-debit-guarantee

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
If you are worried about your debts, you can get free and confidential advice from a number of independent organisations including:
StepChange Debt Charity

0800 138 1111 or www.stepchange.org

National Debtline

0808 808 4000 or www.nationaldebtline.org	
If your account(s) are being reported to the credit reference agencies, we'll update them with details of your payments. If you fall behind with contractual payments, your account will fall into arrears / your arrears will increase, which could impact your credit file status and lead to a default being entered. A default would be visible on your credit file for six years. This could impact your ability to get credit. If you pay your account in full, it will show on your credit file as 'satisfied/settled' to show the balance has been paid in full. If we accept a discounted settlement, when paid, the account will show on your credit file as 'partially satisfied/partially settled', which shows the balance has not been paid in full.

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.

DIRECT DEBIT
If you're paying by Direct Debit (DD) we will collect your payments on an agreed frequency until your balance is cleared or the payment plan is broken. If your payment fails, you may be charged a fee by your bank/building society, but Lowell will not charge you. Payments will show on your statement as 'Lowell Portfolio I Ltd'. You can cancel the DD at any time by contacting us or your bank/building society, but you must do this at least three working days before a payment is due to stop the payment.

Weekly – If you're making weekly payments, we'll try to take your payment on the scheduled day. If this payment is unsuccessful, we'll cancel your payment plan, and we'll contact you. Fortnightly plan – If you're making fortnightly payments, we'll try to take your payment on the scheduled day. If this fails, we'll attempt to take your next two agreed payments on the scheduled dates. If these payments fail, we'll cancel your plan and contact you.

Four weekly/monthly plan – If your first scheduled payment fails, we'll attempt to take the missed payment 14 days later. If this payment fails, we'll attempt to take your next scheduled payment. If we're unable to take this payment, we'll cancel your plan and contact you.

INSTRUCTIONS TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT	
Please fill in the whole form in ball point pen and send to us at Lowell Financial Ltd. PO Box 13079, HARLOW, CM20 9TE
Bank/building society account number	Branch sort code
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Name and postal address of your bank or building society
 

 

Post code

 

 

 

 

 

 

 

 

Your name (as it appears on your bank/building society account)
 

Signature	Today's Date
 

 

D

D

M

M

Y

Y

Y

Y

Lowell Reference number(s)	Amount
 

 

£

 

 

£

 

 

£

 

 

£

 

 

£

 

 

£

Frequency of payments

m  Monthly

m  Weekly

m  4-Weekly

m  Monthly

First payment date (Not 31st)

D

D

M

M

Y

Y

Y

Y

Instruction to your bank or building society
Please pay Lowell Portfolio I Ltd Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Lowell Portfolio I Ltd and if so, details will be passed electronically to my bank/building society.