Last Updated On – 28-09-2026
Receiving a call from 03335565835 can immediately raise questions, particularly when the caller claims to represent a debt collection company.
The number 0333 556 5835 has been widely reported by UK phone-number communities as being connected with Lowell Financial, a major debt purchaser and collection company.
However, there is an important detail that should not be overlooked: 0333 556 5835 does not currently appear on Lowell’s published list of outbound telephone numbers.
That does not automatically mean a call from the number is fraudulent. Phone-number databases contain years of historical reports, companies can change the numbers they use, and caller ID can also be spoofed.
It does mean that anyone receiving a call from 03335565835 should independently verify it before discussing a debt, confirming personal details or making a payment.
If Lowell genuinely owns or manages a debt connected to you, there should normally also be a written paper trail rather than an unexpected telephone call being the first indication.
Who Called From 03335565835?
The number 03335565835, formatted as 0333 556 5835, has repeatedly been associated with Lowell Financial by UK caller-reporting websites and individual users.
Common reports connected with the number include:
- Debt Collection Calls – Callers referring to an unpaid account or outstanding balance.
- Repeated Calls – Some users report receiving several calls over a period of days or weeks.
- Lowell Identification – Numerous reports identify the caller as Lowell or a Lowell debt collection team.
- Unrecognised Debts – Some recipients state that they do not recognise the debt being discussed.
- Scam Concerns – Other recipients question whether a caller claiming to be Lowell is genuine.
At the time of this update, one major caller-reporting database had recorded hundreds of thousands of searches and hundreds of comments relating to 03335565835.
Those reports are useful as a community signal, but they should not be treated as definitive proof that every call displaying the number genuinely comes from Lowell.
Caller ID spoofing means a fraudster can potentially make a different telephone system display a familiar number.
Is 03335565835 a Scam Number?
It would be inaccurate to simply label 03335565835 either a confirmed scam number or a currently verified Lowell number.
Community caller databases strongly associate the number with Lowell Financial, but Lowell’s current official outbound-number list does not include 0333 556 5835.
There are several possible explanations.
The number may have previously been used in connection with Lowell, it may belong to a telephone range historically associated with Lowell calls, or a caller may be spoofing a number that people already associate with debt collection.
Whatever the explanation, seeing “03335565835” on a phone screen is not enough on its own to establish who is really calling.
If the caller asks for payment or sensitive personal information, do not rely solely on caller ID. End the call and contact Lowell independently using a current contact number.
Other Numbers Lowell Currently Says It Calls From
Lowell publishes a specific list of numbers used by its agents and teams.
As of its July 2026 update, the published Lowell outbound-number family is:
| Lowell Number | Current Status |
| 0333 556 5587 | Listed by Lowell |
| 0333 556 5583 | Listed by Lowell |
| 0333 556 5582 | Listed by Lowell |
| 0333 556 5580 | Listed by Lowell |
| 0333 556 5585 | Listed by Lowell |
| 0333 556 5581 | Listed by Lowell |
| 0333 556 5657 | Listed by Lowell |
| 0333 556 5653 | Listed by Lowell |
| 0333 556 5654 | Listed by Lowell |
| 0333 556 5652 | Listed by Lowell |
| 0333 556 5651 | Listed by Lowell |
| 0333 556 5655 | Listed by Lowell |
| 0333 556 5586 | Listed by Lowell |
| 0333 556 5656 | Listed by Lowell |
This is particularly important because Lowell should be considered as a family of telephone numbers rather than one single number.
Someone contacted by one Lowell-associated number may later receive a call from another.
What About 0333 556 5835, 0333 556 5838 and Similar Numbers?
Telephone-reporting databases also contain substantial historical or community reports connecting additional numbers with Lowell.
These include numbers such as:
- 0333 556 5835
- 0333 556 5838
- 0333 556 5845
- 0333 556 5843
- 0333 556 5842
- 0333 556 5700
- 0333 556 5561
- 0333 556 5562
- 0333 556 5563
- 0333 556 5564
- 0333 556 5565
These numbers should not be presented as part of Lowell’s current official outbound list, because Lowell’s latest published list is narrower.
Instead, they are better described as historically or community-reported Lowell-associated numbers.
For example, eBusiness Blog has separately examined calls from 03335565838 and their reported connection with Lowell Financial.
This distinction matters because telephone numbers can change ownership, become inactive or be spoofed. An old caller report therefore does not prove that a call received today is genuine.
Who Is Lowell Financial?
Lowell Financial Ltd is part of the Lowell group of companies operating in the UK debt-purchasing and credit-management sector.
A useful distinction is between Lowell Portfolio I Ltd and Lowell Financial Ltd.
Lowell Portfolio I Ltd purchases portfolios of outstanding debts from other companies. Lowell Financial Ltd then manages and collects those accounts.
This means the person being contacted may never previously have borrowed money directly from Lowell.
The debt may originally have related to:
- Credit Cards
- Personal Loans
- Mobile Phone Contracts
- Home Shopping Accounts
- Utility Accounts
- Banking Products
- Retail Credit
Lowell has publicly confirmed that it purchases debts from companies including Vanquis and Capital One.
Lowell debts have also historically been associated with accounts originating from telecommunications and catalogue providers, including names such as O2 and Littlewoods.
Therefore, someone who has never opened a Lowell account can still receive correspondence from Lowell if an original creditor has sold an outstanding account.
The broader UK debt collection process explains how unpaid accounts can progress from the original creditor to specialist debt collectors or purchasers.
Why Could Lowell Be Calling You?
A Lowell-related call does not necessarily mean the recipient deliberately ignored a debt.
There are several possible reasons.
An Original Creditor Sold the Debt
A credit card provider, lender, mobile network, catalogue business or another creditor may have transferred ownership of an outstanding balance.
Lowell may then become responsible for managing collection.
Lowell Wants to Discuss a Payment Plan
Where a debt is recognised, the company may contact the customer to discuss repayment based on what the person can reasonably afford.
A Payment Has Been Missed
Someone who already has a Lowell repayment arrangement may receive contact after missing or changing a payment.
Lowell Is Trying to Confirm Contact Details
A caller may first need to confirm that they are speaking with the correct person before disclosing information about an account.
The Debt May Not Be Yours
Old addresses, recycled telephone numbers, matching names and outdated records can occasionally result in the wrong person being contacted.
A person who does not recognise the account should not simply pay to make the calls stop. The debt should first be identified and checked.
The Call Could Be Fraudulent
Fraudsters can impersonate genuine companies and can spoof telephone numbers.
A caller creating urgency, demanding immediate bank transfers or refusing to provide an opportunity for independent verification should be treated cautiously.
How Lowell’s Process Usually Works Before a Call?
One of the most useful ways of checking an unexpected Lowell call is to look for the paperwork that should normally come before it.
Lowell describes a three-stage process when it has purchased a debt.
1. The Original Creditor Sends a Goodbye Letter
The company that previously owned the debt should inform the customer that ownership of the account has changed.
This is sometimes informally referred to as a goodbye letter.
It tells the customer that the original creditor will no longer be responsible for collecting the balance.
2. Lowell Sends a Hello Letter or Notice of Assignment
Lowell then sends its own correspondence.
This is commonly referred to as the hello letter or Notice of Assignment, often shortened to NOA.
The notice explains that the debt is now owned by Lowell Portfolio I Ltd and provides information about the account and what should happen next.
A Notice of Assignment is particularly useful for verifying an unexpected telephone call because it provides a written reference that can be independently checked.
3. A Telephone Call May Follow
Lowell states that it may telephone if it has not received a response after sending the Notice of Assignment.
In other words, a completely unexpected demand for money by phone without any corresponding paperwork deserves additional scrutiny.
It does not automatically prove fraud: letters can be lost, addresses can be out of date and recipients may overlook previous correspondence.
However, someone who has never received a goodbye letter or Notice of Assignment should ask for written account information before making a payment.
What Will Lowell Ask to Verify Your Identity?
Debt collectors have to be careful about discussing an account before establishing that they are speaking with the correct individual.
Lowell says its security check may ask a customer to confirm:
- Name
- Reference Number From the Notice of Assignment
- Address
- Date of Birth
The caller should not need unrestricted access to personal or banking information merely to establish who they are speaking to.
If someone does not feel comfortable completing a security check during an incoming call, they can end the conversation.
Lowell’s currently published verification callback number is:
0333 556 5552
A safer procedure is to hang up, independently confirm the telephone number and then call back.
Lowell also currently publishes 0333 556 5550 for concerns about suspicious calls or someone impersonating the company.
Current Lowell Contact Details
The older version of this article contained contact information that is no longer current.
The present details are:
| Detail | Current Information |
| Company | Lowell Financial Ltd |
| General Customer Number | 0333 556 5552 |
| Suspicious/Fraud Call Number | 0333 556 5550 |
| Monday-Friday Hours | 9:00am-6:30pm |
| Saturday Hours | 9:00am-4:00pm |
| Sunday/Bank Holidays | Closed |
| Registered Office | No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH |
| Postal Correspondence | Lowell Financial Ltd, PO Box 13079, Harlow, CM20 9TE |
Anyone verifying a telephone call should independently use current contact information rather than simply calling the number displayed in their recent-calls list.
What Should You Do After a Call From 03335565835?
Do not feel pressured to resolve everything during the first telephone conversation.
Confirm Who Is Calling
Ask for the caller’s name, organisation and reason for making contact.
Do not allow the caller’s knowledge of your name or address to be treated as proof that the call is genuine. Personal information can come from many sources.
Look for the Notice of Assignment
Check whether you have received written notification from the original creditor and Lowell.
The paperwork should help identify the account and original company.
End the Call If You Are Unsure
If something does not feel right, end the incoming call and independently contact Lowell using a current verified number.
Check the Original Creditor
If the debt allegedly originated with Vanquis, Capital One, O2, Littlewoods or another company, compare the claim with your own account records.
Request Account Information
If the debt is unfamiliar, ask for details including:
- Original Creditor
- Original Account Reference
- Outstanding Balance
- Relevant Dates
- Information Showing Why Lowell Says You Are Liable
Do Not Make a Panic Payment
A legitimate debt does not become more legitimate because someone demands payment immediately.
Verify the account first.
Is the Lowell Debt Statute-Barred?
Another issue that should be checked before acknowledging a very old debt is whether it may be statute-barred.
In England and Wales, many ordinary unsecured debts are subject to a six-year limitation period.
However, the rule is more complicated than simply checking whether an account is six years old.
For many simple contractual debts, the limitation position can depend on factors including:
- When the creditor first had a legal right to take action
- Whether a payment has been made during the limitation period
- Whether the debtor acknowledged the debt in writing
- Whether court proceedings have already started
- Whether a CCJ has already been obtained
- The type of debt involved
A written acknowledgement or part-payment made while a limitation period is running can cause the limitation clock to begin again.
That is why a person dealing with a very old account should establish the dates before making a token payment or sending a written acknowledgement.
Does Statute-Barred Mean the Debt Disappears?
Not necessarily.
In England and Wales, a statute-barred debt can still technically exist, but the expiry of the applicable limitation period can prevent a creditor from bringing a new court claim to enforce it.
The rules are different where court judgment has already been obtained.
Scotland also operates under a different prescription framework, so the English and Welsh six-year explanation should not automatically be applied to Scottish debts.
Anyone unsure whether a Lowell account is statute-barred should establish the exact timeline before agreeing to payment.
What Happens If You Ignore Lowell?
Ignoring a genuine debt is different from disputing or verifying it.
Someone who believes a debt is incorrect should communicate that clearly and request appropriate information. Simply ignoring genuine correspondence can allow matters to progress.
The process is not a guaranteed sequence, and not every account goes through every enforcement method.
A typical escalation could involve the following.
Continued Contact
Lowell may continue sending letters, emails, text messages or making telephone calls where it is trying to establish contact about the account.
Referral to Solicitors
If the account remains unresolved, Lowell may instruct solicitors.
Lowell says its former Lowell Solicitors operation stopped practising as a law firm in March 2024. Accounts requiring legal work may instead be dealt with through other solicitors within or instructed by the group.
Letter Before Legal Proceedings
Before a court claim, further formal correspondence may warn that legal action is being considered.
This stage should not be ignored.
County Court Claim
A creditor can ask the County Court to determine whether the money is legally owed.
The court — not Lowell itself — decides whether to issue a County Court Judgment (CCJ).
County Court Judgment
If judgment is entered and remains unpaid, it can have serious financial consequences.
A CCJ can normally remain on the relevant public register and credit file for six years unless circumstances allow it to be removed.
Enforcement After Judgment
If a CCJ is not paid as ordered, a judgment creditor can potentially ask the court to authorise one or more enforcement methods.
These are alternative enforcement routes rather than an automatic step-by-step chain.
They can include:
- Attachment of Earnings – Money can be deducted from earnings through a court order where the legal requirements are met.
- Charging Order – A charge can potentially be placed against property.
- Third-Party Debt Order – Money held by a third party, such as funds in certain bank accounts, can potentially be frozen and redirected.
- Warrant or Writ of Control – Enforcement agents, commonly called bailiffs, may be authorised to enforce the judgment.
A statutory demand is a separate insolvency-related procedure rather than a compulsory stage between a CCJ and bailiff action.
That distinction is important. Debt enforcement has several possible legal routes, and a creditor cannot simply move through them without the required notices, applications and court authority.
For comparison, similar issues arise when dealing with other UK collection agencies such as Wescot Debt Collectors and Moorcroft Debt Collectors.
Can Lowell Send Bailiffs to Your Home?
A normal Lowell telephone call does not give anyone authority to send bailiffs immediately.
A debt collection company and a court-authorised enforcement agent are not the same thing.
For ordinary consumer debt, court proceedings and a judgment would generally have to come first before enforcement agents could become relevant.
Lowell itself explains that where an account is passed for legal action, a CCJ may be sought and later enforcement action can potentially follow if the judgment is not dealt with.
A caller saying, for example, that bailiffs will arrive immediately unless money is transferred during the phone call should therefore be treated with particular caution.
What Debt Collection Practices Could Be Unfair?
Debt collection is regulated in the UK. Owing money does not remove a person’s consumer protections.
Potential warning signs include:
- Calling At Unreasonable Times – Firms should consider reasonable requests about when, where and how a customer is contacted.
- Revealing The Debt To Other People – A collector should not unfairly disclose details of the debt to relatives, colleagues, neighbours or employers.
- Creating Public Embarrassment – Communications should be handled in a way that protects the customer’s privacy.
- Pretending To Have Powers They Do Not Have – A debt collector should not imply that it already has court or enforcement powers where it does not.
- Using Misleading Communications – Letters, telephone messages or other communications should not misrepresent why contact is being made.
- Pressuring Someone Into Unaffordable Payments – A customer should not be pushed into an unreasonably large payment or an unrealistically short repayment period where that would harm their finances.
- Pressuring Someone To Borrow More – Customers should not be pressured to raise repayment money through further borrowing or selling property.
- Using Legal Threats Incorrectly – A company should not threaten proceedings it cannot legitimately bring or suggest legal consequences inaccurately.
- Ignoring A Genuine Dispute – Where liability or the amount is genuinely challenged, that dispute should be properly considered rather than simply treated as refusal to pay.
- Misleading Someone About Statute-Barred Debt – A collector should not imply that fresh court action can be taken where it knows the relevant limitation period has expired.
- Continuing To Demand A Statute-Barred Debt After A Clear Refusal – Specific FCA rules apply once a customer states that they will not pay because the debt is statute-barred.
Keeping records can be useful if there is a dispute. Note the date, time, number used, caller’s name and what was said.
What If the Lowell Debt Is Not Yours?
Do not assume that receiving several calls proves liability.
Mistaken identity can happen because:
- A previous owner had your telephone number
- Someone with a similar name owes the money
- Records contain an old address
- Contact details have been entered incorrectly
- Identity fraud has occurred
- An account has been incorrectly matched
Tell Lowell clearly that the debt is not recognised and ask for enough account information to establish where it came from.
Do not provide fabricated information simply to get through security. Equally, do not make payments on an unknown account merely to stop the calls.
Can You Manage a Lowell Account Without Calling?
Yes.
People who have verified that the account is genuine do not necessarily have to manage it by telephone.
Lowell provides an online account and mobile app through which customers can manage relevant accounts.
Available functions can include:
- Checking Account Balances
- Reviewing Payments
- Making One-Off Payments
- Setting Up A Payment Plan
- Changing Certain Payment Arrangements
- Using Apple Pay Or Google Pay Where Available
This can be useful for someone who prefers to manage financial matters online rather than discuss them through repeated telephone calls.
However, only access an account through a website or app independently located and verified by the user. Do not follow an unexpected payment link sent by an unverified caller.
Can You Stop Calls From 03335565835?
If the debt has been resolved, belongs to another person or the contact details are incorrect, ask Lowell to update its records.
Where an account is genuine but telephone contact is difficult, it can also be appropriate to ask whether communications can be handled through another suitable channel.
Blocking 03335565835 on the handset will stop calls displaying that particular number, but it will not necessarily stop Lowell contacting someone through another published number if there is a legitimate unresolved account.
That is another reason the number-family approach matters.
Simply blocking one number may not resolve the underlying reason for contact.
Why Do Lowell and Other Companies Use 0333 Numbers?
0333 numbers are UK non-geographic numbers.
Unlike a geographic 01 or 02 telephone number, an 0333 number does not identify a particular town or region.
Businesses can use them for centralised customer-contact operations serving people nationwide.
Calls to 03 numbers are generally charged on the same basis as calls to standard 01 and 02 numbers and are normally included where a telephone package includes those geographic calls.
The presence of an 0333 prefix therefore tells you very little about whether a call is genuine.
Both legitimate organisations and fraudulent callers can appear to use familiar-looking telephone numbers.
What Are People Reporting About 03335565835?
Community reports about 03335565835 are mixed but show several recurring themes.
Many users identify the number as connected with Lowell or debt collection.
Other users complain about repeated calls, including instances where no useful voicemail was left.
Some commenters say that they have no debts or do not recognise the account being discussed.
Others classify the calls as suspicious or fraudulent.
These reports should be treated as individual experiences rather than verified findings.
Someone reporting “scam” does not establish that the telephone number itself is fraudulent, just as someone reporting “Lowell” cannot prove that every subsequent call displaying the number is genuinely from Lowell.
This is exactly why the most reliable approach is to verify the account independently rather than trusting or dismissing the call solely on the basis of online comments.
Enabling comments beneath this article can also help keep the page current by allowing readers to describe recent calls, provided personal details, account numbers and other sensitive information are not published.
Should You Block 03335565835?
Blocking the number can be sensible where the call is clearly irrelevant, fraudulent or repeatedly reaching the wrong person.
However, blocking it should not replace dealing with a legitimate financial issue.
If the call may relate to a genuine debt:
- Verify The Caller
- Check For The Notice Of Assignment
- Identify The Original Creditor
- Check Whether The Balance Is Correct
- Consider Whether The Debt Could Be Statute-Barred
- Dispute It If It Is Not Yours
- Deal With A Genuine Account Through A Verified Channel
That approach protects against both fraud and the consequences of ignoring genuine correspondence.
FAQs About 03335565835
Who is calling from 03335565835?
The number has been widely reported by caller-identification communities as associated with Lowell Financial. However, it is not included in Lowell’s current published outbound-number list, so an incoming call should be independently verified.
Is 03335565835 an official Lowell number?
It is not one of the 14 outbound numbers on Lowell’s current published list. Historical and community reports associate 0333 556 5835 with Lowell, but that should not be treated as current official verification.
What number can I use to verify a Lowell call?
Lowell currently states that customers who are uncomfortable during an incoming call can hang up and call 0333 556 5552 to verify that they are speaking with Lowell.
Should Lowell send a letter before calling?
Lowell says that where it purchases a debt, the original creditor sends a goodbye letter and Lowell sends a hello letter or Notice of Assignment. Lowell states that an outbound call would not normally happen until the Notice of Assignment has been sent.
What information might Lowell ask during a security check?
Lowell says it may ask for a name, Notice of Assignment reference number, address and date of birth to confirm that it is speaking with the correct person.
What if I never received a Notice of Assignment?
Ask for written details of the account and verify the original creditor before making a payment. An absent letter does not automatically prove fraud because address or delivery problems can occur.
Is Lowell Financial legitimate?
Lowell Financial Ltd is a legitimate UK debt-management company and is authorised and regulated for relevant consumer-credit activities. Fraudsters can nevertheless impersonate legitimate organisations.
Which companies sell debts to Lowell?
Lowell purchases debt portfolios from various sectors. It confirms relationships involving companies such as Vanquis and Capital One, while Lowell accounts have also historically involved telecommunications, home-shopping, utility and banking debts.
Can a Lowell debt become statute-barred?
Some unsecured debts in England and Wales can become statute-barred after the applicable six-year limitation period, but payments, written acknowledgements, court action and the type of debt can affect the position.
Can Lowell get a CCJ?
Lowell Financial does not itself “issue” a CCJ. Solicitors acting for the debt owner can bring a court claim, and the court decides whether to enter judgment.
Can Lowell send bailiffs?
Enforcement agents do not normally become involved simply because Lowell has telephoned. For ordinary consumer debt, a court judgment and the appropriate enforcement process would generally be required first.
Can I manage Lowell debt without speaking on the telephone?
Yes. Once the account has been independently verified, Lowell provides online-account and app facilities for functions including checking balances, making payments and managing payment plans.
Should I block 03335565835?
Blocking it may help if the calls are fraudulent or intended for someone else. If there could be a genuine account behind the contact, verify and resolve or dispute the underlying issue rather than relying only on call blocking.
