Lowell are committed to protecting your privacy and that’s why we have designed this website to make it easy for you to get all the information you need. See below to find out how we use your personal information, who we may share it with and how we protect it, as well as finding out about your rights and how to exercise them or see our detailed customer privacy notice for more information.
We will regularly review this notice and keep it updated to make sure that the information we provide you with is accurate and up to date.
Any changes to this notice will be highlighted so that you can see what has been changed.
Where we have made a significant change to the information contained in this notice, we will let you know either by email if we have an email address for you or in the next letter that we send you.
This notice was last reviewed and updated in May 2018.
We will regularly check your credit file to ensure the information that we hold about you on our systems is accurate, complete and up to date. This check is called a ‘soft search’ and may leave what is known as a “soft footprint”. This means that it is not visible to any other organisations and will not affect your credit score. It can only be seen by you, us and the credit reference agency and will show as account administration on your credit file.
Where you provide us with information about your family, lifestyle and social circumstances, employment status and your work history, we may record and use this information where it affects your account with us.
Where it has or may have an impact on your ability to pay the amounts you owe, we may collect information about your mental and physical health. For more details about how we use this information, please see the section Special categories of personal data in our full privacy notice.
We may also collect some limited information, including publicly accessible information such as media reports, about any current criminal convictions you have if we have reason to believe that you may be in prison. We will use this for the purposes of updating the information we hold about you and managing your account. We may also use this information for the purposes of crime and fraud prevention and for complying with our obligations under the anti-money laundering and counter-terrorist financing legislation. Please see the section Information relating to criminal convictions in our full privacy notice for more details.
We may also collect publicly accessible information about you, for example through a Google search, where we have been unable to contact you using the contact details that we hold for you.
For more details about what information we collect about you, please see the section What information do we collect about you? in our full privacy notice.
The Lowell group is made up of the following companies incorporated in the UK
|Lowell Finance Ltd||Company number 05069513|
|Lowell Portfolio I Ltd||Company number 04857418|
|Lowell Financial Ltd||Company number 04558936|
|Lowell Solicitors Limited||Company number 08647091|
|Fredrickson International Limited||Company number 02679522|
|Lowell Receivables Financing 1 Limited||Company number 11344999|
|Interlaken Group Limited||Company number 03167536|
|SRJ Debt Recoveries Limited||Company number 05064551|
|Tocatto Ltd||Company number 05069843|
|Lowell Portfolio III Holdings Limited||Company number 08336897|
|Lowell Portfolio III Limited||Company number 08096778|
|Lowell Portfolio IV Holdings Limited||Company number 08647094|
|Lowell Portfolio IV Limited||Company number 08654105|
Lowell are a group of companies which includes Lowell Portfolio I Ltd and Lowell Financial Ltd. Where we use “we”, “our” or “us” in this privacy notice, we mean both Lowell Portfolio I Ltd and Lowell Financial Ltd unless we say otherwise.
We buy customer accounts where there is an outstanding balance from a wide range of organisations including banks, retailers and credit card, mobile phone, home shopping and utility (gas, electricity and water) companies.
If you are a Lowell customer, this means that Lowell has bought your account and we will work with you to arrange repayment of the outstanding balance.
Lowell Portfolio I Ltd buys your account and Lowell Financial Ltd manages your account on behalf of Lowell Portfolio I Ltd. This means that if we write or speak to you, it will usually be Lowell Financial Ltd that you are dealing with.
Lowell Portfolio I Ltd
Lowell Financial Ltd
Company number 04857418
Company number 04558936
Incorporated in the UK
Incorporated in the UK
Ellington House, 9 Savannah Way, Leeds Valley Park, Leeds LS10 1AB
Ellington House, 9 Savannah Way, Leeds Valley Park, Leeds LS10 1AB
We are joint controllers of your information which means that we are both responsible for looking after it.
We also provide credit management solutions to other companies to help them manage the accounts that you have with them.
For details of the UK companies in the Lowell group, please see the section Who are the Lowell group below.
We need your information to manage your account and collect the debt that you owe. This includes using your information to locate you, check your identity and confirm the information that we hold about you is correct.
Your information is generally stored on servers and filing systems in the UK but from time to time it may be stored in or accessed from countries outside the UK. Where this may happen, we always make sure that there are appropriate safeguards in place, such as the model contract clauses, binding corporate rules or the EU-US Privacy Shield, to guarantee that your information – and your rights – are protected to the same high standard as under UK law.
We only keep your information for as long as we need it and we will keep your information for no more than 7 years from the date you cease to have any active accounts with us.
However, we won’t keep all of your information for so long, and we will delete some information much sooner.
We use the information we hold about you to calculate a score on the basis of a mathematical model to predict how likely you are to pay your balance or respond to any type of communication. This is known as profiling which means that we use our computer systems to help us predict this information about you. This helps us to decide what is likely to be the best way for us to work with you to manage your account.
If you do not repay the amounts you owe us, we may make automated decisions about whether or not to take legal action against you and about what type of action we may take to enforce our legal rights to collect those amounts from you.
For more details about how we use your information for profiling, the automated decisions that we make, the consequences of those decisions for you and your rights in respect of profiling and automated decision-making, please see the section Do we carry out profiling and automated decision-making? in our full privacy notice.
Under the data protection rules, you have a number of rights in respect of your information, which include the right to:
Some of these rights only apply in certain situations. For more details about how these rights apply to the way we use your information, please see the What rights do you have? section of our full privacy notice.
If you would like to exercise any of your rights, please contact our Data Protection Officer by writing to Data Protection Officer, Lowell Financial Ltd, PO Box 1411, Northampton, NN2 1BQ.
Our Data Protection Officer deals with data protection for all our UK companies, so whichever Lowell company your question, query or request relates to, please contact our Data Protection Officer using these contact details.
If you have any questions, concerns or complaints about the way either Lowell Portfolio I Ltd or Lowell Financial Ltd process your personal information, please contact our Data Protection Officer in the first instance by writing to Data Protection Officer, Lowell Financial Ltd, PO BOX 1411, Northampton, NN2 1BQ and they will do their very best to help you.
Our Data Protection Officer deals with data protection for all our UK companies, so whichever Lowell company your question, concern or complaint relates to, please contact our Data Protection Officer using these contact details.
If you are not happy with the way we have handled your complaint or are still concerned about our handing of your personal information, you have a right to take your complaint to the Information Commissioner’s Office at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF and www.ico.org.uk.
We sometimes need to share some of your information with other organisations.
We may share information with third party debt collection agencies and third party law firms if we instruct them to act on our behalf in connection with your account.
We collect some information directly from you, for example the information you give us when we speak to you on the phone or which you send to us by email or by letter or by using our websites.