If you have received a call from the number 01619687065, you may be inquiring about its possible connection to Lowell Financial Debt Collectors. It is essential to understand their identity and verify the legitimacy of their calls to protect your personal information and rights. This article will delineate the identity of Lowell Financial, assess the authenticity of the aforementioned number, and offer practical steps on how to respond should you receive a call. By remaining informed, you can effectively navigate the complexities of debt collection.
Who Are Lowell Financial Debt Collectors?
Lowell Financial Debt Collectors, similar to Moorcroft Debt Collectors, is a leading debt collection agency in the United Kingdom, specialising in the recovery of outstanding debts on behalf of a diverse range of creditors. This includes utility companies such as United Utilities, Virgin Media, and NPower, as well as government departments like HMRC.
Their operations encompass effective communication with individuals regarding their debts, providing tailored debt solutions, and negotiating repayment options, including monthly payments, to assist individuals in managing their financial obligations.
As a third-party agency, Lowell Financial also engages with County Court Judgments and possesses the capability to escalate debt recovery processes through legal channels when deemed necessary.
What is the Number 01619687065?
The phone number 01619687065 is frequently associated with Lowell Financial Debt Collectors and is used for contacting individuals regarding their outstanding debts. This number may be employed by debt recovery agents to initiate communication with clients to discuss their financial situations, payment plans, or possible legal actions concerning unpaid debts. Understanding the purpose of this specific phone number can assist individuals in determining whether they are being legitimately contacted by Lowell Financial or if it may be a potential scam.
When receiving a call from 01619687065, it is crucial for recipients to carefully assess the context. Lowell Financial typically reaches out to various types of customers, including those who may have missed payments on loans, credit cards, or other financial obligations. Their objective is to discuss potential settlement options or repayment plans that align with the customer’s circumstances. Given the prevalence of phishing scams, it is increasingly important to verify the authenticity of unknown phone numbers.
To avoid potential scams and protect personal financial information, individuals are advised to look up the number online or to contact Lowell Financial directly using their official contact details, such as freephone numbers. Staying informed and cautious can give the power to individuals to navigate communications with debt collectors effectively and ensure the maintenance of their privacy.
Is 01619687065 a Legitimate Number for Lowell Financial Debt Collectors?
Determining the legitimacy of the phone number 01619687065 associated with Lowell Financial Debt Collectors is of paramount importance for individuals receiving calls from this number, particularly those experiencing financial stress or dealing with debt. Given that many individuals encounter challenging financial situations due to outstanding obligations such as credit card debts, utility bills, or council tax liabilities, it is essential to verify the authenticity of the caller. A legitimate call typically includes identifying information regarding the debt collection agency and clearly stated intentions concerning debt recovery actions.
To confirm the legitimacy of the number, individuals should take several important steps, including consulting with organizations like Money Advice Online or ATN Group Limited for professional financial advice:
- They should seek official contact information for Lowell Financial from their website or other reputable sources, allowing them to cross-reference the number.
- Consulting the Financial Conduct Authority can provide additional reassurance regarding the legitimacy of the agency attempting to collect the debt.
In instances where a call appears suspicious, potential indicators of scams may include aggressive tactics, a refusal to provide basic information, or pressure to make immediate payments. It is essential to adopt a cautious approach and safeguard personal information during such communications.
It is important to remember that legitimate debt collectors refrain from sharing sensitive information over the phone unless the caller’s identity has been verified.
How to Verify if 01619687065 is from Lowell Financial Debt Collectors?
To ascertain whether the number 01619687065 is associated with Lowell Financial Debt Collectors, individuals should adhere to a systematic approach that ensures they are engaging with a legitimate debt collection agency.
Given the increasing incidence of scams and fraudulent communications, it is imperative to conduct thorough verification before disclosing any personal information or consenting to payment arrangements.
This verification process may involve examining official communication channels, consulting with a debt adviser, and obtaining financial guidance to comprehend one’s rights in matters related to debt collection, including the potential of debt write-off or debt negotiation.
Check the Company’s Website
The initial step to ascertain whether the phone number 01619687065 is associated with Lowell Financial Debt Collectors is to consult the company’s official website, which provides current contact information and details about their services. Reputable debt collection agencies, such as Lowell Financial, maintain transparency by listing their contact numbers, including official helplines or freephone numbers for customer enquiries. This practice enables individuals to confirm that they are engaging with a recognised agency in the debt recovery sector.
Upon navigating the website, users will encounter a well-structured layout that allows for easy access to essential sections, such as customer service, frequently asked questions, and comprehensive service descriptions. By taking the time to explore these areas, individuals can gather pertinent information and verify the legitimacy of the contact number.
Accessing this information not only enhances confidence in dealings with debt collectors but also give the power tos clients to make informed decisions regarding their financial circumstances. Furthermore, reviewing customer testimonials and service ratings can offer valuable insights into the agency’s reputation and effectiveness in debt recovery.
- Visit the official website
- Locate the customer service section
- Check for up-to-date contact information
- Review any available client feedback
In conclusion, the significance of conducting due diligence cannot be overstated, as it plays a critical role in safeguarding oneself against potential scams or misunderstandings throughout the debt recovery process.
Contact Lowell Financial Directly
Reaching out to Lowell Financial directly through their official channels is an effective method to verify the number 01619687065, as well as to check other phone numbers used for contact. This can be accomplished by calling their designated customer service numbers or using their online contact forms, ensuring that individuals communicate with an authorised representative capable of confirming the legitimacy of the call or message received. Additionally, consulting a debt adviser can provide further clarity regarding debt collection inquiries.
By establishing this connection, individuals can be assured they are accessing reliable information and not engaging with potential scams. It is crucial for anyone seeking assistance to consider the following important points:
- Always use the officially listed contact numbers from Lowell Financial’s website to initiate communication.
- A debt adviser can facilitate this process by guiding individuals on best practices when responding to inquiries.
- Consulting with experts can also provide peace of mind while navigating complex financial concerns.
Taking the initiative to verify contact numbers and discussing issues with a knowledgeable debt adviser are proactive steps that can lead to improved financial outcomes.
Ask for Written Confirmation
Requesting a written confirmation of the debt from Lowell Financial is a sensible course of action for individuals seeking to verify the legitimacy of communications received from the number 01619687065. This written confirmation should provide detailed information regarding the outstanding debts, their origin, and any relevant payment options or legal actions that may ensue if payments are not made. Such documentation is essential to protect consumers’ rights and to clarify their debt situation.
In the absence of written communication from the creditor, individuals may find themselves at a disadvantage when disputing the validity of a debt. It is imperative for consumers to fully understand their financial obligations, and a formal request can facilitate the uncovering of important details. This process not only confirms the legitimacy of the debt but also acts as a safeguard against potential miscommunication or identity theft.
- Individuals should maintain records of any correspondence.
- Seeking confirmation can prevent unrecognised debts from escalating.
- Documentation can be advantageous in negotiating potential repayment plans.
By formally requesting debt information, debtors equip themselves with the knowledge necessary to make informed decisions regarding their financial future, potentially avoiding County Court Judgements.
What to Do If You Receive a Call from 01619687065?
Receiving a call from the number 01619687065, which may be associated with debt collectors like Moorcroft or Phillips & Cohen Associates, may raise concerns, particularly for individuals who are unaware of any outstanding debts or are facing challenges in managing their financial obligations. It is crucial to approach such communications with caution and to refrain from disclosing any personal information until the legitimacy of the caller has been established.
Understanding how to handle these situations appropriately can significantly alleviate debt stress and give the power to individuals to navigate their financial circumstances effectively while exploring viable debt management solutions, such as debt restructuring or a debt management plan.
Do Not Give Out Personal Information
When receiving a call from 01619687065, it is imperative to refrain from disclosing any personal information, including bank details or national insurance numbers, until the legitimacy of the caller has been thoroughly verified. Protecting personal information is essential to prevent becoming a victim of scams or identity theft, particularly in the context of debt collection, where individuals may feel undue pressure to comply with requests from entities such as debt collectors or companies like United Utilities and Virgin Media.
In today’s digital age, the significance of security and privacy in financial communications cannot be overstated. With the proliferation of phishing scams and advanced identity theft techniques, individuals must remain vigilant. When faced with unknown callers, it is crucial to pause and assess the situation with caution, especially regarding recent debts.
- Verify the caller’s identity prior to sharing any information.
- Consider contacting the company directly using a trusted telephone number.
Neglecting to safeguard personal information can result in severe repercussions, including financial difficulties and long-lasting damage to one’s credit rating. Debt collection agencies typically operate under strict regulations from bodies like the Financial Conduct Authority; therefore, understanding one’s rights and responsibilities during these interactions can lead to more favourable outcomes.
Ask for Details About the Debt
When communicating with a representative calling from 01619687065, it is advisable to request specific details regarding the debt in question. This should include the nature of the outstanding debts, the identity of the original creditor such as NPower, and any available repayment options. Such transparency is essential to prevent misunderstandings and to clarify the caller’s intentions concerning debt collection, thereby enabling informed financial decision-making.
By requesting detailed debt information, individuals can gain a better understanding of their obligations and formulate an appropriate plan to address their financial responsibilities, such as an Individual Voluntary Arrangement. Knowing the exact amounts owed and the context surrounding the debt can facilitate more productive discussions regarding repayment strategies.
Key questions to consider include:
- What is the exact amount owed?
- When was the original debt incurred?
- Are there any options for negotiating payment terms?
Posing these important questions give the power to individuals to make informed choices, potentially leading to a more manageable repayment schedule and reducing the debt stress often associated with outstanding debts.
Request a Validation Letter
Individuals receiving a call from 01619687065 are advised to request a validation letter from Lowell Financial. This document serves to confirm the legitimacy of the debt being claimed and should include details regarding the nature of the debt, the amount owed, and the original creditor, possibly HMRC or Virgin Media. Such documentation is essential for understanding one’s financial responsibilities and exploring potential debt resolution options like debt assistance or an attachment of earnings.
A validation letter is a critical component of the debt collection process, ensuring that consumers are treated fairly and can make informed decisions. By obtaining this documentation, individuals can not only verify the legitimacy of the debt but also gain valuable insights into their rights and obligations concerning repayment, possibly involving debt restructuring or a debt relief program.
Without this clarity, navigating the complexities of debt recovery can become challenging, resulting in unnecessary anxiety and confusion.
- Protection: A validation letter serves to protect the consumer against fraudulent claims, allowing them to dispute any incorrect information.
- Transparency: It provides a clear outline of the debt’s details, offering a better understanding of one’s financial standing.
- Empowerment: Having knowledge of the origins and specifics of the debt enables consumers to engage more effectively with collection agencies.
Ultimately, requesting this letter represents a proactive approach to financial awareness and control, equipping individuals with the necessary information to address their debt responsibly.
Report the Call to the Authorities
If the call from 01619687065 appears suspicious or if the caller employs aggressive tactics, it is imperative to report the call to the appropriate authorities, such as the Financial Conduct Authority or the Financial Ombudsman. Reporting fraudulent calls not only serves to protect individuals but also contributes to the enforcement of regulations surrounding debt collection practices, ensuring that legitimate agencies like ATN Group Limited adhere to the law.
By meticulously documenting interactions and gathering evidence, individuals can provide a comprehensive account of their experiences, which is crucial for any subsequent investigation. Maintaining detailed records of each call, including dates, times, employment status, and the nature of the conversation, enables consumers to effectively articulate their concerns.
Key aspects to document include:
- The caller’s identification.
- The content of their demands.
- Any threats or aggressive behaviour witnessed.
Such documentation assists authorities in identifying patterns of abuse and can form the basis for potential legal actions. The protection of consumers in debt collection remains a priority, highlighting the necessity for vigilance and the proactive reporting of suspicious activities to the relevant entities that oversee compliance with established standards.
UK debt issues or when communicating with debt collectors.
Frequently Asked Questions
1. Who is calling me from 01619687065?
The number 01619687065 belongs to Lowell Financial Debt Collectors, a company that specialises in collecting debts from individuals and businesses.
2. Why am I receiving calls from this number?
If you have received a call from 01619687065, it is likely that you owe a debt to Lowell Financial or one of their clients. They may also be attempting to collect a debt from a family member or previous owner of your phone number.
3. Is 01619687065 a legitimate debt collection agency?
Yes, Lowell Financial Debt Collectors is a legitimate company and is authorized and regulated by the Financial Conduct Authority in the UK, similar to other agencies such as Phillips & Cohen Associates. They have been in operation since 2003 and have a good reputation in the industry.
4. What should I do if I am contacted by 01619687065?
If you receive a call from this number, or from similar numbers such as 0800 3688133, it is important to answer or return the call as soon as possible. Ignoring their attempts to contact you could result in further debt collection actions or damage to your credit score.
5. Can I stop receiving calls from 01619687065?
You can request for Lowell Financial to stop contacting you, but they may still continue to do so if you owe a debt. If you believe the calls are unjustified, you can request for them to provide evidence of the debt and dispute it if necessary.
6. What if I cannot afford to pay the debt?
If you are unable to pay the debt, you can contact Lowell Financial Debt Collectors to discuss a payment plan or negotiation. They may also provide you with financial advice and assistance to help you manage your debt. Avoiding contact or ignoring the debt will not make it go away, so it is important to communicate with them and find a solution.
