LOWELL FINANCIAL, INC.
FT LAUDERDALE, FLORIDA

We see and respect the individuals behind the numbers, staying helpful, principled and fair in everything we do. With offices across Germany, Austria, Switzerland and the UK, as a European Group, we serve every part of the credit management value chain. With combined expertise in debt purchasing, third party collections, business process outsourcing, credit management and e-commerce. In the UK we have three core businesses: Lowell Financial, Fredrickson International and Lowell Solicitors. Our innovative and professional approach makes selling non-performing consumer debts to Lowell Portfolio I Ltd an integral part of many creditors’ recovery processes. It brings a number of immediate and tangible benefits including: Increased productivity of existing resources A more tailored, flexible environment to help customers manage their financial difficulties We are regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts and adhere to the Credit Services Association (CSA) Code of Practice. We are experts in ethical data-driven collections. Our operational model is built around our sophisticated technology platform and data intelligence fuelled with information on over 14 million owned accounts. We aim to work with each of our consumers to agree a realistic and sustainable payment plan tailor-made to their individual circumstances. Lowell UK was born from the idea that there was an opportunity to do debt recovery in a better way – a way that focused on using data and insight to deliver a truly tailored service for the individual. The premise of our business is to create a win-win situation for our clients, our consumers and the commercials. We believe there are three core areas that make our business special and result in us being the forerunner in our industry: Our pioneering approach to consumer insight – we aggregate our consumer data and third party data sources in a way like no other to ensure the solutions we provide are suitable and appropriate for individuals Our principled approach – we are fair in everything we do We are a signatory to the Code of Practice set out by the Credit Services Association (CSA) and comply with the Standards of Lending Practice from the Lending Standards Board. Our approach has led to Lowell Financial receiving a continued ‘Exceptional’ accreditation by independent-body Investor in Customers; it was the first company within its sector to receive such recognition. Reassurance that your reputation is in safe hands, due to our principled approach – evidenced by Lowell Financial Ltd becoming the first company to achieve an ‘outstanding’ rating from independent customer experience consultants Investor in Customers, which we have now exceeded to the ‘Exceptional’ rating. To find out more about who we are and what we do Our postal address is different to our office address. Why? We get lots of post each day and our team simply cannot manage it all. So we now work with a supplier who helps manage incoming post to ensure it is delivered to the relevant team in a timely manner. So if you’ve got something to send to us, use our PO address and it’ll reach the person that much quicker. Send it to the office address and its likely to be significantly delayed. We’ll let you decide which option you prefer. Our postal address is different to our office address. Why? We get lots of post each day and our team simply cannot manage it all. So we now work with a supplier who helps manage incoming post to ensure it is delivered to the relevant team in a timely manner. So if you’ve got something to send to us, use our PO address and it’ll reach the person that much quicker. Send it to the office address and its likely to be significantly delayed. We’ll let you decide which option you prefer.