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PO Box 189, Huddersfield, HD8 1DY is a mailing address frequently seen on letters related to outstanding debts or financial matters in the UK.
It belongs to Lowell Financial Ltd, a regulated debt collection agency. If you’ve received a letter from this address, it’s important to understand its legitimacy, purpose, and your rights.
This guide provides a clear explanation of who uses this PO Box, what to do when contacted, and how to respond appropriately and safely.
What is PO Box 189 Huddersfield HD8 1DY?
PO Box 189, Huddersfield, HD8 1DY is a dedicated mailing address used by Lowell Financial Ltd.
As a PO Box, it does not correspond to a physical office location that is accessible to the public. Instead, it serves as a centralised point for receiving written communication from customers.
PO Boxes like this are commonly used by financial institutions and large organisations to:
- Separate incoming communication from other operations
- Maintain a consistent mailing point regardless of internal changes
- Ensure secure receipt of sensitive or legal correspondence
In this case, PO Box 189 is associated exclusively with the activities of Lowell Financial, particularly with regard to managing and responding to customer correspondence related to credit and debt matters.
Who is Lowell Financial Ltd and Why Are They Using This Address?
Lowell Financial Ltd is a well-known debt purchasing and collection agency operating within the UK.
The company acquires outstanding debts from original creditors, such as telecom providers, banks, retailers, and utility companies, and then works to recover those debts from consumers.
The company uses PO Box 189 in Huddersfield for the following key reasons:
- To streamline the handling of large volumes of incoming mail
- To avoid using a physical office address for privacy and logistical reasons
- To manage complaints, payment confirmations, and debt queries efficiently
Lowell Financial is authorised and regulated by the Financial Conduct Authority (FCA), which means it is legally bound to follow fair practices in its debt collection operations. Its use of a PO Box address is a standard part of its communication infrastructure.
Why Might You Receive a Letter from PO Box 189 in Huddersfield?
Contact About an Outstanding Debt
One of the most common reasons for receiving a letter from PO Box 189 is that Lowell Financial Ltd has purchased a debt that you once owed to a different creditor.
This could include unpaid balances from credit cards, loans, mobile phone contracts, or utility bills. Once Lowell acquires the debt, they become the legal owner and have the right to contact you regarding repayment.
Request to Set Up a Repayment Plan
In many cases, Lowell sends letters to initiate contact and offer manageable repayment options.
The letter may outline the total amount owed, a settlement offer, or options for setting up a monthly payment arrangement. This is part of their approach to engage debtors in an affordable and structured repayment process.
Response to a Previous Enquiry or Complaint
If you have already been in communication with Lowell regarding a disputed debt or complaint, a letter from PO Box 189 could be a response to your previous correspondence.
The reply might contain additional information you requested or an update on the status of your complaint or payment arrangement.
Regular Account Updates or Notifications
Lowell may also use PO Box 189 to send routine updates about the progress of a repayment plan or to provide notices about any changes to your account status.
This ensures all communication is documented and traceable through written correspondence.
Is Receiving Mail from PO Box 189 Huddersfield a Cause for Concern?
While receiving a debt-related letter can be worrying, a letter from PO Box 189 is not automatically a cause for concern.
In most cases, it is part of a legal and regulated attempt to recover a debt. However, the contents of the letter should always be assessed carefully.
There are clear signs to distinguish a legitimate communication from a potential scam:
| Indicator | Legitimate Lowell Letter | Potential Scam |
| Reference to your full name | Yes | Often missing or incorrect |
| Includes your account reference | Yes | May be generic or missing |
| Clear company branding | Lowell logo, company number, and FCA number | May look unofficial or have incorrect logos |
| Specific details of the debt | Original lender, amount owed, contact options | Vague or high-pressure tactics |
| Instructions for repayment | Step-by-step, with website or contact details | May demand urgent action or upfront payment |
If in doubt, it is always advisable to contact Lowell directly via the details listed on their official website. Do not respond to unfamiliar phone numbers or email addresses listed in a letter that seems suspicious.
What Should You Do If You Get a Letter from This Address?
Review the Letter Thoroughly
Before reacting, carefully read the entire letter. Check for your full name, account number, original creditor name, and any mention of the amount owed.
Understanding the contents helps determine whether the communication is relevant and accurate.
Verify the Legitimacy of the Debt
If you’re unfamiliar with the debt or unsure about its validity, you have the right to request a “notice of assignment” or a copy of the original credit agreement.
Under the Consumer Credit Act 1974, Lowell must provide this documentation upon request. Verifying the debt helps you avoid paying for a debt that may not belong to you.
Contact Lowell Financial Directly
If you need clarification or further details, contact Lowell Financial using the official phone number or website listed on their official site.
Avoid using contact details found solely in the letter unless they match the official source. Speaking to their customer service team can help clear up any confusion.
Respond in Writing if Necessary
In cases where you want to dispute the debt, raise a complaint, or make a formal request, it’s best to respond in writing to PO Box 189. Include:
- Your full name and address
- The reference number from the letter
- A clear statement of your request or dispute
- Any supporting documents
Always send your letter via recorded delivery and keep a copy for your records.
Avoid Immediate Payment Without Confirmation
Do not feel pressured to make a payment until you are completely confident the debt is valid and the letter is from Lowell.
Scammers often attempt to replicate legitimate company names and PO Boxes. Confirm details first, then proceed through official payment channels.
How Does PO Box 189 Differ from PO Box 188 in Huddersfield?
It is easy to confuse PO Box 189 with PO Box 188 due to their similar addresses and the fact that both are located in Huddersfield with the same postcode. However, they are used by different divisions within the Lowell Group.
| Feature | PO Box 188 | PO Box 189 |
| Associated Company | Overdales Solicitors | Lowell Financial Ltd |
| Function | Legal matters and court correspondence | General customer service and responses |
| Department | Legal services division | Debt collection and customer queries |
| Common Use Case | Receiving legal notices or claims | Sending complaints or debt responses |
This distinction is important when preparing written responses. Letters intended for Lowell Financial should be directed to PO Box 189, while legal notices from Overdales Solicitors will usually reference PO Box 188.
Can You Reply or Send Complaints to PO Box 189?
Yes, PO Box 189 is the correct address to use for any formal written communication with Lowell Financial Ltd.
Whether you are responding to a debt notification, disputing a claim, or sending a complaint, this address is their official point of contact for postal correspondence.
When writing to Lowell via PO Box 189, it is best to include the following details:
- Your full name and contact details
- Your reference or account number (from the letter)
- A clear explanation of your reason for writing
- Copies of any relevant documents or evidence
It’s also advisable to send your letter via a trackable postal service such as Royal Mail Signed For or Special Delivery. This ensures you have proof of delivery should there be a dispute later.
Is PO Box 189 Associated with Debt Collection Agencies in the UK?
PO Box 189 is specifically associated with Lowell Financial Ltd, which is one of the largest debt collection agencies in the UK.
It is not used by multiple companies or organisations and should not be confused with addresses used by unrelated agencies.
Lowell works with a number of clients across industries and is known for acquiring debts related to:
- Credit cards
- Store finance accounts
- Utility bills
- Mobile phone contracts
- Unsecured personal loans
Their use of a PO Box is in line with industry practice and provides a reliable way for consumers to communicate with them, whether making repayments or resolving disputes.
What Are the Legal Rights of Consumers Contacted by Lowell Financial?
When dealing with any debt collection agency in the UK, including Lowell Financial, consumers have several important legal rights.
These are enforced by the Financial Conduct Authority and supported by other consumer protection laws.
Key rights include:
- The right to receive full details of the debt being claimed
- The right to dispute a debt you do not believe is yours
- The right to request a copy of the original credit agreement
- The right not to be harassed or misled
- The right to lodge complaints and escalate unresolved issues to the Financial Ombudsman Service
If you feel that Lowell Financial has not followed correct procedures or has acted unfairly, you are entitled to make a complaint.
Initially, this should be done in writing to PO Box 189. If the issue remains unresolved, you can escalate it to the Financial Ombudsman after eight weeks.
How Can You Protect Yourself from Scam Letters Claiming to Be from PO Box 189?
Although PO Box 189 is a legitimate address, there are occasions where scammers attempt to impersonate recognised organisations. Consumers should remain cautious, especially when a letter contains vague or suspicious requests.
Protect yourself by:
- Checking all correspondence against official Lowell contact details
- Avoiding any immediate action without confirming the legitimacy of the letter
- Never making payments to bank details not listed on the official Lowell website
- Contacting Lowell directly to verify any letter you are unsure about
Being proactive in verifying debt communications helps avoid potential scams and ensures that legitimate matters are addressed properly.
Conclusion
Understanding the role of PO Box 189 Huddersfield HD8 1DY helps individuals navigate communication from Lowell Financial Ltd with clarity and confidence.
Whether you’re dealing with a debt query, disputing a claim, or seeking more information, it’s vital to know your legal rights and responsibilities.
Always verify letters, respond thoughtfully, and use proper channels for complaints or repayment discussions.
Staying informed is the best way to handle financial correspondence and protect yourself from potential issues or misunderstandings.
FAQs About PO Box 189 Huddersfield HD8 1DY
What kind of company is Lowell Financial Ltd?
Lowell Financial Ltd is a UK-based credit management and debt collection firm that buys and manages unpaid debts from a range of creditors, including banks and utility providers.
Why do companies like Lowell use PO Boxes?
PO Boxes offer privacy, centralised communication, and secure handling of high mail volumes. They help streamline customer service operations for large companies.
Is PO Box 189 used by any government agencies?
No, PO Box 189 is not linked to any UK government department. It is used solely by Lowell Financial Ltd for customer correspondence.
What should I include when writing to PO Box 189?
Include your full name, account or reference number, and a clear summary of your request or complaint. Always send letters via recorded post.
Can Lowell take legal action against me?
If a debt is unpaid and valid, Lowell can pursue legal action. However, they must follow due process and provide all necessary documentation.
How can I confirm the debt is really mine?
You can request a copy of the original credit agreement or contact Lowell’s support team to get further documentation. Always verify before making payment.
Is ignoring a letter from PO Box 189 a good idea?
No. Ignoring correspondence from Lowell can escalate the matter. It’s better to respond or seek advice from a debt advice charity.