Why has my account been passed to Lowell?
Vanquis has sold your account to us because there may have been some overdue payments on your credit card or loan with them.
We’re here to help you manage your account and find the best way forward.
Received a letter from Lowell regarding your Vanquis debt?
We buy debt from lots of different companies, including Vanquis. If we've sent you a letter about Vanquis debt collection, it means we've bought it from Vanquis and you now owe the debt to us instead. But don't worry, we believe becoming free of your Lowell debt should be simple and affordable. Our customers aren't just numbers to us, they're people.
Register or sign in to see your account information today.
Your questions, answered.
I think there’s been fraudulent activity on my account. What should I do?
If you suspect fraud, contact us at once.
We take security seriously. We’ll work with you to investigate any suspicious activity.
How can I make a payment or set up a payment plan?
One-off payments
You can make payments online once you’ve registered with us.
We accept debit card payments, but do not accept credit cards. See our ways to pay.
Payment plan
We understand that paying off a debt in one go isn’t always possible. With us, you don’t need to. Setting up an affordable, interest-free payment plan is straightforward – you can do it yourself online or through our app or you can call us to discuss a plan that fits your budget and helps you stay on track. See all the ways to pay Lowell via a payment plan.
Why is my balance higher than I expected?
What happens if I miss a payment?
Life happens - we get that. So, if you miss a payment, don’t worry.
But it’s important that you get in touch with us as soon as you can so we can work something out to help you get back on track.
If you don’t contact us and continue to miss payments, we will keep trying to contact you to see what’s going on.
Your options when repaying Vanquis debt
Work out how much you can afford to pay
Before you make any payments, it’s a good idea to understand what money’s coming in and going out. Our free budget calculator will help you set up a payment plan that’s affordable and suits your personal circumstances.
Set up your own account and interest-free personal debt management plan
We’ve made it as easy as we can for you to manage your debt from start to finish. You don’t even need to call us: you can do the whole thing online or on the Lowell app. To sign up for your Lowell account you’ll need the Lowell reference number from the letter we sent you.
Set up a debt management plan that works for you. Decide how much you want to pay, how often you want to pay it, and how you want to do it.
Being debt free should be simple and affordable. We promise you:
- We will make managing your debt simple with an easy-to-use online account
- We will help you work out what you can afford to pay using our budget calculator
- We will understand your situation and help you find the right support
- We won't charge interest or admin fees if you work with us to manage your account. Fees are only charged in instances of litigation.
- We won't expect you to pay more than you can afford
We are Here to Help
Even a small change in what you pay can make a big difference to how long it takes you to pay off your Lowell debt. Our team is supportive, friendly, and experienced when it comes to finance and debt. They can lay out every option available to you, to help you pay as little or as much as you can.
Our digital calculators also help to break down what you afford to pay by selected dates; they're very simple to use so have a play with them. You might be surprised how soon you can say goodbye to us if you are able to pay a little bit more each month.
Create an account
Use our step-by-step process to create your personalised Lowell account and take control of your debt today.
Sign up
How can Lowell help me?
Lowell is a debt collection company on a mission to help our customers take control of their debt. We'll work with you to find an affordable solution that suits you.
Learn more
Who are Lowell?
We believe that when it comes to debt, every step forward counts. No matter how big or small. That's why we give you all the tools and support you need to find a way forward, whatever your circumstances.
About Lowell