Having previously worked for this atrocious company over a year ago I thought i would share some facts to helps those unlucky one with debts now under the lowell group ownership. Firstly if you have any doubt with a debt you apparently owe question the collector on when i was occurred when it was last paid and specify that you are not acknoldging rthe debt in any form. If you request a CCA always put a timeframe on the request, as this is a weak point to this company. Lowell have statue barred accounts in their collection cycle, if your harrased by them tell them you are recording the call and request politly that to do not wished to be contacted by phone or letter. ***The majority of debt is purchased at 10% of the total value*** as the company is a debt purchaser and specialises in collecting BAD debt (debt that the original company has claimed back of it insurances and that has been through a number of previous collection companies with no success). If looking to settle a debt with Lowell bear this in mind that: collection agents can offer 10% disc, team leaders 15%, group team leader 25% head of collections 50% and directors 75% ( and still make a profit). In order to get a large discount ie 10% - 75% you need to provide speceific details which include the follwing your ocuppation, income, income expenditure, other debts, if you OWN YOUR HOME / HOW LONG? EQUITY VALUE- a key one as larger discounts ar difficult to be agreed by management. So think of your story and stick to it, bear in mind with high balances the compnay will check your credit report to check some of these facts. November , december and january are quite time for the debt industry so the likleyhood of a better discount is within this period. Also the debt management team DMP operate a system which means if you provide an financial statement with your income and expenditure and offer less than £5 per month then after 6 months if you maintain this agreement you will automatically be offered a 50% discount then after 12 months a 75% dicsount. *** Remember that the company cannot cross reference these figures you provide with any other information apart from that possibly supllied on the credit application for the original debt which is often not provided to the company - as the less information attached to the debt = cheaper purchase price = more profits made by the two fat directors and american investors I hope this information is of value and use it to your advantage