03335565838 | Why Did You Get a Call from This Number?

Have you recently received a call from 03335565838 and wondered who it was? Many people across the UK have reported receiving calls from this number, often leaving them confused or even worried.

In most cases, this number is associated with debt collection agencies or financial recovery services, but there are also instances where scam calls use similar numbers to deceive individuals.

In this article, we’ll explore:

• Who might be calling you from 03335565838
• Whether it’s a scam or legitimate call
• What steps to take if you receive a call
• How to stop unwanted calls

Let’s break it down and find out what this number really means.

Who Called Me from 03335565838?

The number 03335565838 belongs to Lowell Financial Debt Collectors, a well-known debt collection agency in the UK. Lowell Financial specialises in purchasing unpaid debts from various financial institutions, utility companies, telecom providers, and other service providers.

If you have outstanding debts with a creditor, Lowell Financial may have acquired the debt and is now attempting to recover the amount from you.

Lowell Financial is authorised and regulated by the Financial Conduct Authority (FCA), meaning they must follow legal guidelines when contacting individuals about outstanding debts.

Common Reasons Why Lowell Financial Might Call You:

• You have an unpaid debt that was sold to them by a lender or service provider.
• There has been a missed payment on an account they are managing.
• They are trying to verify your identity regarding a financial matter.
• They want to discuss repayment options or offer a settlement plan.

If you receive a call from 03335565838, it is important to verify the details before making any payments.

Who Is Lowell Financial?

Lowell Financial is a debt collection agency based in the UK. It is part of Lowell Group, one of the largest debt purchasing and recovery companies in Europe.

The company specialises in buying unpaid debts from various businesses, including banks, utility companies, telecom providers, and retail finance firms. Once they acquire a debt, they attempt to recover the outstanding amount directly from the debtor.

What Does Lowell Financial Do?

• Debt Purchasing: Lowell buys unpaid debts from creditors, such as banks and service providers, often at a reduced rate.
• Debt Collection: Once they acquire a debt, they contact individuals to arrange repayment.
• Negotiating Payment Plans: They offer repayment options based on a debtor’s financial situation.
• Credit File Management: If a debt is assigned to Lowell, it may appear on your credit report, affecting your credit score.
• Legal Action: In some cases, if debts remain unpaid, Lowell may pursue court action through a County Court Judgment (CCJ).

Is Lowell Financial a Legitimate Company?

Yes, Lowell Financial is a legitimate debt collection agency. They are authorised and regulated by the Financial Conduct Authority (FCA), meaning they must follow strict rules when dealing with customers. They are also a member of the Credit Services Association (CSA), which sets ethical standards for debt collection in the UK.

Who Might Owe Money to Lowell Financial?

If you have received a call from 03335565838, it may be because Lowell Financial has purchased a debt linked to one of the following:

• Credit cards and loans from banks like HSBC, Lloyds, or Barclays
• Utility bills from companies such as British Gas or E.ON
• Mobile phone contracts from providers like Vodafone or O2
• Retail finance debts from stores offering “buy now, pay later” services
• Personal loans and payday loans

How Can I Check If I Owe Money to Lowell Financial?

If you are unsure whether you owe money to Lowell Financial, you can:

• Check your credit report on websites like Experian, Equifax, or TransUnion.
• Request proof of the debt from Lowell Financial in writing.
• Contact the original creditor to confirm if the debt was transferred to Lowell.

Is 03335565838 a Scam or a Legitimate Call?

Calls from 03335565838 are not necessarily a scam, as Lowell Financial Debt Collectors is a legitimate company. However, it is always important to remain cautious when discussing financial matters over the phone.

How to Confirm If the Call Is Genuine:

• Ask for Written Confirmation: A legitimate debt collection agency will provide written details of your outstanding balance.
• Verify Their Contact Details: Check the official website of Lowell Financial and compare their contact numbers.
• Check Your Credit Report: If you owe money to Lowell, it should appear on your credit file.
• Do Not Share Personal Information Immediately: Ensure the caller is genuine before providing any sensitive details.

How to Spot a Scam Call:

• The caller pressures you into making an immediate payment.
• They refuse to provide written proof of the debt.
• They ask for sensitive information like bank details or passwords.
• The number does not match official contact details listed on Lowell Financial’s website.

If you suspect a scam, hang up immediately and report the call to Action Fraud UK or the Financial Conduct Authority (FCA).

Why Am I Receiving Calls from 03335565838?

If you are receiving repeated calls from 03335565838, there are several possible reasons:

• Your Debt Was Sold to Lowell Financial: Many financial institutions sell unpaid debts to debt collection agencies. If you had a credit card, loan, or utility bill that was unpaid, Lowell Financial may now be responsible for collecting the amount.
• You Missed a Payment: If you have an existing repayment plan with Lowell and missed a payment, they might be calling to remind you.
• They Are Trying to Verify Your Identity: Sometimes, debt collection agencies contact individuals to confirm personal details before discussing financial matters.
• Mistaken Identity: If you believe the debt does not belong to you, it’s possible that Lowell Financial has incorrect information on file. You should request proof of the debt and dispute any errors.

If you continue to receive calls for a debt that you do not recognise, you can ask Lowell Financial to stop contacting you until they provide proper evidence of the debt.

What Should I Do If I Receive a Call from 03335565838?

Receiving a call from 03335565838, which belongs to Lowell Financial Debt Collectors, can be stressful, especially if you’re unsure why they are calling. However, it’s important to remain calm and take the right steps to handle the situation professionally. Here’s what you should do if you receive a call from this number.

1. Verify the Caller’s Identity

Before discussing any financial details over the phone, confirm that the call is genuinely from Lowell Financial. Debt collection scams are common, and fraudsters often impersonate legitimate companies to trick people into making payments. To verify the caller’s authenticity:

• Ask for their full name and job title within Lowell Financial.
• Request their contact details, including a direct phone number and email address.
• Check the official Lowell Financial website to see if the number matches their published contact information.
• Call Lowell Financial directly using their official phone number to confirm that the call was legitimate.

If the caller refuses to provide verifiable information, do not share any personal or financial details. Hang up and report the call to Action Fraud UK.

2. Request Written Proof of the Debt

Under UK law, debt collectors must provide written confirmation of any debt they claim you owe. If Lowell Financial states that you have an outstanding balance, ask them to send a “debt validation letter” or written notice that includes:

• The original creditor’s name and details of the debt.
• The total amount owed, including any interest or fees.
• Information on how you can dispute the debt if you believe it is incorrect.

Do not make any payments until you have received and reviewed this documentation. If they fail to provide written proof, you have the right to challenge the claim.

3. Do Not Make Immediate Payments

Even if the debt appears to be valid, do not rush into making a payment over the phone. Instead, ask for details on repayment options and ensure you fully understand your rights. You can:

• Negotiate a repayment plan that fits your budget.
• Request a debt reduction or settlement offer if you are struggling financially.
• Seek financial advice from organisations like StepChange Debt Charity or Citizens Advice before making any commitments.

If Lowell Financial pressures you into paying immediately, remind them that you have the right to review the debt before making any payments.

4. Know Your Rights and Avoid Harassment

Debt collection agencies must follow strict rules under the Financial Conduct Authority (FCA) and Consumer Credit Act 1974. They cannot:

• Call you repeatedly in a short period.
• Use aggressive or threatening language.
• Discuss your debt with family members, employers, or third parties.
• Demand payment without providing proper documentation.

If you feel that Lowell Financial is acting unfairly or harassing you, you can:

• Request that all communication be made in writing instead of by phone.
• Report them to the Financial Ombudsman Service if they do not respect your rights.

5. Dispute the Debt If Necessary

If you believe the debt is incorrect, you can formally dispute it. Send a written request to Lowell Financial asking them to provide detailed evidence, including:

• The original credit agreement you signed.
• A detailed breakdown of payments and outstanding balance.
• Proof that Lowell Financial legally owns the debt.

If they cannot provide this information, they cannot legally enforce the debt.

6. Seek Professional Financial Advice

If you are struggling with debt or feel overwhelmed by debt collection calls, seek free advice from reputable UK organisations such as:

• StepChange Debt Charity – Free expert advice on managing debts.
• Citizens Advice – Legal and financial guidance.
• National Debtline – Confidential support for handling debt problems.

These organisations can help you negotiate repayment plans, challenge unfair practices, and explore legal options if necessary.

By taking these steps, you can protect yourself, verify the legitimacy of the call, and handle the situation in a calm and informed manner.

How Can I Stop Calls from 03335565838?

If you no longer wish to receive calls from 03335565838, there are several ways to stop them:

• Request Communication in Writing: You can ask Lowell Financial to stop calling and communicate only via post or email.
• Register with the Telephone Preference Service (TPS): Although TPS registration mainly stops marketing calls, it can sometimes reduce unwanted debt collection calls.
• Block the Number: If you do not want to receive calls, you can block 03335565838 on your phone. However, this does not remove your financial obligations if you genuinely owe money.
• Send a Formal Complaint: If you feel that the calls are excessive or aggressive, you can complain to the Financial Ombudsman Service or the Financial Conduct Authority (FCA).

Debt collectors must follow UK regulations and cannot harass or intimidate you. If you believe they are acting unfairly, you have the right to take action.

Can a Debt Collection Agency Keep Calling Me?

Debt collection agencies must follow strict guidelines set by the Financial Conduct Authority (FCA) and the Consumer Credit Act 1974. While they can contact you about unpaid debts, they cannot:

• Call you excessively or at inappropriate times (such as late at night).
• Use threatening or aggressive language.
• Pretend to have legal powers they do not possess.
• Contact your employer or family members about your debt without permission.

If you believe Lowell Financial is calling you too often or using unfair tactics, you can:

• Ask them to limit their calls and request communication via email or post.
• Report them to the Financial Ombudsman Service.
• Seek legal advice if you feel harassed.

Where Can I Get Help If I’m Facing Debt Collection Calls?

If you are struggling with debt collection calls from 03335565838, there are several UK-based organisations that provide free advice and support:

These organisations can help you understand your rights, explore repayment options, and deal with debt collection agencies in a legal and professional manner.

If you believe that Lowell Financial is contacting you unfairly or that the debt does not belong to you, you should challenge the claim and seek professional advice.

Conclusion

Receiving a call from 03335565838 can be concerning, but understanding who is calling and why can help you take the right steps. If the call is legitimate, follow professional steps to address any concerns. If you suspect a scam, report it and block the number.

If you’re struggling with debt collection calls, remember that help is available. Stay informed, know your rights, and take control of your financial well-being.

FAQs About 03335565838 and Debt Collection Calls

Is 03335565838 a scam number?

Not necessarily. While some reports suggest it belongs to a legitimate financial recovery service, others have flagged it as spam. Always verify before responding.

What should I do if 03335565838 keeps calling me?

If you don’t recognise the caller and they won’t verify their identity, block the number and report it to Action Fraud UK or Ofcom.

Can I be taken to court over debt collection calls?

Debt collection agencies cannot take legal action themselves, but they may pass your case to solicitors. Always seek legal advice if you receive court-related notices.

How can I tell if a debt collection call is real?

Ask for written confirmation of any debt, check the company’s official website, and never provide sensitive details over the phone.

Are debt collection calls legal in the UK?

Yes, but they must follow FCA regulations and cannot harass or threaten you. You have the right to request written communication instead.