Last Updated On – 28-09-2026
If you have received a call from 03335565838, online reports commonly associate the number with Lowell, a major UK debt-purchasing and debt-collection business.
However, 03335565838 does not appear on Lowell’s published list of outbound telephone numbers as of July 2026, so it should not automatically be treated as an officially verified Lowell number.
That does not necessarily mean the call is fraudulent.
The safest response is to avoid giving personal or payment information during the unexpected call, find any previous Lowell correspondence you have received, and independently contact Lowell through its published contact details.
Who Is Calling From 03335565838?
Reports online commonly connect 03335565838 with debt-collection activity and, particularly, Lowell.
Lowell purchases or manages debts originally connected with organisations such as:
- Credit Card Providers
- Banks And Lenders
- Mobile Networks
- Utility Companies
- Retail Finance Providers
- Mail-Order Companies
- Other Consumer Credit Businesses
Receiving a call therefore does not automatically mean that you currently owe Lowell money.
The call could relate to an account legitimately transferred to Lowell, an old account, incorrect contact information, a previous owner of your telephone number or somebody impersonating a genuine debt-collection company.
For comparison, similar uncertainty can occur with calls associated with other collection companies. Consumers dealing with unfamiliar numbers may also encounter calls attributed to Moorcroft Debt Collectors or Wescot Debt Collectors.
The underlying rule is the same: verify the company and debt independently before discussing financial information or making a payment.
Is 03335565838 Really Lowell?
It should not currently be described as a confirmed Lowell outbound number.
Lowell publishes a list of telephone numbers that it says it may use when contacting customers. Its July 2026 information covers the following groups:
- 0333 556 5580
- 0333 556 5581
- 0333 556 5582
- 0333 556 5583
- 0333 556 5584
- 0333 556 5585
- 0333 556 5586
- 0333 556 5587
- 0333 556 5651
- 0333 556 5652
- 0333 556 5653
- 0333 556 5654
- 0333 556 5655
- 0333 556 5656
- 0333 556 5657
The number 03335565838 is not on that list.
This creates an important distinction between two separate facts:
Lowell is a genuine debt-collection business.
But:
A caller claiming to represent Lowell should not automatically be considered genuine simply because the displayed telephone number resembles numbers Lowell uses.
Phone numbers can also be spoofed, meaning the number shown on a recipient’s screen does not always prove where the call originated.
Verify a 03335565838 Call in 60 Seconds
You do not need to decide whether the caller is genuine while still on the telephone.
A safer verification process is:
1. Do Not Give Security Information Immediately
Avoid confirming your full address, date of birth, banking information, card details or account passwords before establishing who is calling.
2. Ask Who Is Calling
Ask for the company name and general reason for the contact. Do not supply information simply because the caller appears to know your name.
3. Look for a Notice of Assignment
If Lowell has purchased your debt, you would normally expect written correspondence explaining that ownership or collection responsibility has changed.
4. Check for Earlier Creditor Correspondence
The original creditor may have sent a letter explaining that the account was being assigned or transferred.
5. End the Unexpected Call
Tell the caller you will independently verify the matter rather than continuing through an incoming number.
6. Contact Lowell Separately
The callback number Lowell currently publishes for people who want to check whether a call was genuine is:
0333 556 5552
Do not rely solely on the telephone number supplied by an unexpected caller.
What Should I Have Received Before Lowell Calls?
Lowell describes a process in which customers will normally receive written communication relating to the transfer of their account.
This can include a “goodbye” letter from the original creditor explaining that the debt has been sold or transferred.
Lowell may then issue a Notice of Assignment, commonly shortened to NOA.
The NOA is important because it helps establish:
- Who The Original Creditor Was
- Who Now Owns Or Manages The Debt
- Which Account Is Involved
- The Reference Connected With The Account
- How The New Debt Owner Can Be Contacted
Lowell states that telephone contact should normally follow the Notice of Assignment process.
Therefore, someone receiving a completely unexpected call claiming to be Lowell but who has never received any corresponding paperwork has an additional reason to verify the situation independently.
What Information Might Lowell Ask to Verify?
Before discussing private financial information, a genuine debt collector will normally need to complete security checks.
The information associated with Lowell’s verification process can include:
- Your Name
- Your Notice Of Assignment Reference
- Your Address
- Your Date Of Birth
However, the existence of security questions does not prove that an incoming caller is genuine.
Fraudsters can sometimes obtain partial personal information from data breaches, social media, leaked databases or previous scams.
If you are uncomfortable answering security questions during an unsolicited call, end the conversation and initiate contact yourself using independently verified details.
Is 03335565838 a Scam Number?
There is not enough evidence to categorically describe 03335565838 as either an official Lowell number or a scam number.
The most accurate position is:
The number is commonly linked to Lowell in online reports, but it is not included on Lowell’s current published list of outbound numbers.
Reports surrounding the number have also included negative experiences and suspicions about debt-recovery or potentially misleading calls.
That makes independent verification particularly important.
Warning Signs of a Debt-Collection Scam
Be cautious if somebody calling from 03335565838:
- Demands Immediate Payment
- Threatens Immediate Arrest
- Refuses To Explain The Debt
- Will Not Provide Written Information
- Requests Passwords Or PIN Numbers
- Demands Cryptocurrency Or Gift Cards
- Asks You To Transfer Money To An Individual
- Pressures You Not To Speak To Anyone Else
- Claims Bailiffs Will Arrive Immediately Without Court Procedures
- Refuses To Let You Verify The Company Independently
A genuine debt problem may require action, but legitimate debt collection does not remove your right to verify what you are being asked to pay.
What If the Debt Is Really Mine?
If you independently confirm that Lowell owns or manages a debt belonging to you, ignoring the underlying debt indefinitely is usually not the best solution.
Start by checking:
- The Original Creditor
- The Account Number
- The Balance Claimed
- When The Debt Originated
- When You Last Made A Payment
- Whether You Have Previously Disputed It
- Whether Lowell Has Provided Evidence Of Assignment
- Whether The Balance Appears Correct
If the debt is valid but you cannot afford to pay it in full, you may be able to discuss affordable repayment arrangements.
Do not agree to payments that leave you unable to cover essential living expenses.
What If the Debt Is Not Mine?
Wrong-person debt collection is more common than many people realise.
It can happen because:
- You Inherited Someone Else’s Telephone Number
- A Previous Occupant Used Your Address
- Another Person Has A Similar Name
- An Account Contains Incorrect Contact Details
- Old Records Have Not Been Updated
- Someone Fraudulently Used Your Details
If you believe Lowell has the wrong person, do not simply make a small payment to stop the calls.
Clearly tell the company that you dispute liability and ask it to investigate its records.
If the telephone number belongs to you but the debt relates to somebody else, ask Lowell to remove your number from the other person’s account.
Keep a record of:
- The Date You Contacted Lowell
- Who You Spoke To
- What You Told Them
- Any Reference Number
- Copies Of Letters Or Emails
- Whether Further Calls Occurred
Can I Ask Lowell to Prove the Debt?
Yes. If you do not recognise a debt, you can ask for sufficient information to establish what is being claimed.
Useful information may include:
- The Original Creditor
- The Original Account Reference
- The Amount Outstanding
- Details Of The Assignment
- Relevant Statements
- The Basis On Which Lowell Says You Are Liable
Do not confuse requesting information with admitting liability.
This distinction can become particularly important when dealing with old debts.
Could the Debt Be Statute-Barred?
Some debts become legally unenforceable through court after a specified limitation period has expired.
For many ordinary unsecured debts in England and Wales, the relevant period is generally six years, although the exact calculation depends on the type of debt and circumstances.
The position can become complicated because certain actions, including a qualifying written acknowledgement or part-payment, may cause the limitation period to start again.
That means someone dealing with a very old debt should establish its status before making a token payment or providing a written acknowledgement of liability.
Scotland
Scotland has different rules.
Many consumer debts can become extinguished through prescription after five years, provided the relevant legal requirements are satisfied.
Scottish terminology and procedures also differ from England and Wales.
Northern Ireland
Northern Ireland has its own limitation and court system. Rules broadly similar to six-year limitation periods may apply to some contractual debts, but the specific circumstances matter.
Anyone uncertain about an old debt should obtain independent debt advice before acknowledging it or making payment.
Can Lowell Give Me a CCJ?
No.
A debt collector does not personally issue a County Court Judgment.
A creditor or debt owner can start a court claim in England or Wales. If the claim results in judgment against the debtor, the court issues the judgment.
This distinction matters because statements such as “Lowell will send you a CCJ” are inaccurate.
A typical progression might involve:
- Debt Collection Contact
- Formal Pre-Action Correspondence
- Opportunity To Respond
- Court Claim
- Response, Defence Or Admission
- Court Judgment If Appropriate
- Possible Enforcement If A Judgment Remains Unpaid
Enforcement measures are not automatically available simply because somebody telephones demanding payment.
What Happens Before a Court Claim?
For many consumer debts in England and Wales, creditors are expected to follow a pre-action process before beginning proceedings.
This usually involves a formal Letter of Claim containing information about the debt and explaining how the recipient can respond.
Do not ignore a Letter of Claim simply because you disagree with the debt.
It is usually better to respond within the specified period, request any missing information and explain clearly if the debt is disputed.
What If a Court Claim Form Arrives?
A genuine court claim requires prompt attention.
Deadlines can be short. Depending on how a claim is handled, an initial response may be required within approximately 14 days, while filing an acknowledgement can provide additional time for a defence.
Do not ignore official court documents.
Ignoring a valid claim can result in judgment being entered by default even where the person may have had a defence.
Can Lowell Send Bailiffs to My Home?
A debt collector cannot simply decide to send enforcement agents to seize goods because you missed a telephone call.
Court procedures generally have to occur first for debts where court enforcement is required.
A debt collector and a court-appointed enforcement agent are not the same thing.
If you receive threats during an unexpected telephone call suggesting that bailiffs will immediately arrive unless you pay within minutes, treat this as a significant warning sign and verify the matter independently.
How Do I Stop Calls From 03335565838?
You can block the telephone number, but blocking 03335565838 alone may not stop future calls.
Lowell publicly lists numerous outbound telephone numbers, so legitimate contact could potentially come from another number.
A more effective approach is to tell the company how you want to be contacted.
For example, you can request communication:
- By Post
- By Email
- At Particular Times
- Without Repeated Telephone Calls
Keep written evidence of any communication preference you submit.
Blocking a number can still be useful when dealing with suspected scam calls, but it should not be confused with resolving a genuine underlying debt.
How Do I Complain About Lowell?
If your complaint concerns Lowell’s conduct, start by complaining directly to Lowell.
Clearly explain:
- What Happened
- When It Happened
- Which Number Contacted You
- Why You Believe The Conduct Was Wrong
- What You Want Lowell To Do
Keep copies of your complaint and any response.
If Lowell does not resolve the complaint satisfactorily, or the applicable complaint-response period passes without a satisfactory outcome, you may then be able to take the complaint to the Financial Ombudsman Service.
For many financial complaints, firms normally have up to eight weeks to provide their final response.
The Ombudsman is therefore generally a later-stage complaint route rather than the first organisation to contact.
Who Handles Different Types of Complaints?
Not every unwanted telephone call belongs with the same regulator.
Financial Ombudsman Service
Relevant where the dispute concerns how a regulated financial business has treated you and the firm’s own complaints procedure has already been used.
Information Commissioner’s Office
Potentially relevant where the issue concerns personal data, incorrect records, privacy or the way an organisation has used your information.
Ofcom
Ofcom deals with telecommunications regulation and broader nuisance-call issues, but it is generally not the primary body for resolving an individual dispute about whether a debt is valid.
Police or Fraud Reporting Channels
Appropriate where there is evidence of fraud, impersonation or theft rather than simply a disagreement over debt collection.
Letter Template: Ask for Proof of the Debt
You can adapt the following wording:
Subject: Request for Information About Alleged Debt
Dear Sir or Madam,
I have been contacted regarding an alleged debt under reference [REFERENCE].
I do not currently have sufficient information to confirm that I am liable for this balance.
Please provide details showing:
- The original creditor
- The original account reference
- The amount claimed
- Details of how the balance has been calculated
- Evidence explaining why you are entitled to collect the account
- Details of any Notice of Assignment
Until I have been able to review this information, please record the account as disputed.
Yours faithfully,
[NAME]
Letter Template: Dispute a Debt That Is Not Yours
Subject: Debt Dispute – Incorrect Person
Dear Sir or Madam,
You have contacted me regarding account/reference [REFERENCE].
I do not recognise this debt and do not believe I am the person responsible for it.
Please investigate your records and provide sufficient information to explain why my details have been connected with this account.
If the debt belongs to another person, please remove my telephone number and other incorrect contact information from that person’s account.
Please confirm in writing when your investigation has been completed.
Yours faithfully,
[NAME]
Letter Template: Request Contact by Letter Only
Subject: Communication Preference
Dear Sir or Madam,
Regarding account/reference [REFERENCE], I am requesting that future communication about this matter is made in writing.
Please update my communication preferences and avoid unnecessary telephone contact.
My request does not constitute an admission regarding any disputed balance.
Please confirm that my contact preferences have been updated.
Yours faithfully,
[NAME]
Free Independent Debt Help
You do not have to pay a commercial debt-management company simply to understand your options.
Free debt guidance is available from organisations such as:
- StepChange Debt Charity
- Citizens Advice
- National Debtline
These organisations can help people understand repayment options, court correspondence, old debts, affordability problems and formal debt solutions without requiring someone to buy a commercial service simply to receive initial guidance.
This can be particularly valuable before agreeing to an IVA, debt-management arrangement or settlement promoted through a lead-generation website.
Should I Answer 03335565838?
There is no requirement to resolve the situation during an incoming telephone call.
Because 03335565838 is not currently listed among Lowell’s published outbound numbers, the safer option is to independently verify the contact before discussing private financial information.
If you answer, you can simply ask who is calling and then say you will contact the company yourself.
You do not need to:
- Make An Immediate Payment
- Give Card Details
- Provide Online Banking Information
- Reveal Passwords
- Agree To A Payment Plan Immediately
- Confirm A Disputed Debt
If the underlying debt is genuine, independently contacting Lowell allows you to deal with it without relying on an unverified incoming number.
Lowell’s Current Contact Details
For telephone verification, Lowell currently publishes:
Telephone: 0333 556 5552
Its published registered-office information identifies an address at:
Thorpe Park View
Leeds
LS15 8GH
Older articles may display different Lowell addresses or telephone numbers. When verifying an unexpected call, use the company’s most recently published information rather than relying on an old blog post, forum discussion or number supplied by the caller.
FAQs About 03335565838
Is 03335565838 an official Lowell number?
As of Lowell’s July 2026 published information, 03335565838 is not included on its list of outbound telephone numbers. Third-party reports commonly associate it with Lowell, so independently verify any call before providing information.
Is Lowell Financial a real company?
Yes. Lowell is a genuine UK debt-purchasing and debt-collection business. However, the legitimacy of the company does not automatically prove that every caller claiming to represent Lowell is genuine.
What Lowell number should I call to verify a call?
Lowell currently publishes 0333 556 5552 for people who want to contact the company and verify an account or unexpected call.
Should I call 03335565838 back?
If you are uncertain who called, it is safer to contact Lowell independently using its published contact details rather than returning an unverified incoming call.
Why would Lowell be calling me?
Possible reasons include a debt transferred from an original creditor, an existing repayment arrangement, an account query or incorrect contact information.
What is a Notice of Assignment?
A Notice of Assignment informs you that ownership or responsibility for collecting a debt has changed. It should identify relevant account information and the organisation now handling the debt.
Can I ask Lowell to prove the debt?
Yes. If you do not recognise the account, ask for information about the original creditor, account reference, balance and basis on which Lowell says you owe the money.
What should I do if Lowell has the wrong person?
Tell Lowell that you are not responsible for the debt and ask it to investigate. If your telephone number has been connected to another person’s account, specifically request that it be removed.
Will blocking 03335565838 stop Lowell calling?
Not necessarily. Lowell publishes multiple outbound telephone numbers, meaning blocking one number may not prevent contact from another. Requesting a different communication method can be more effective.
Can Lowell issue a CCJ?
No. Lowell may bring a qualifying court claim as a creditor or debt owner, but a County Court Judgment is issued by the court, not by Lowell itself.
