Fix PO Box 189 Huddersfield HD8 1DY Debt Letters Now
PO Box 189 Huddersfield HD8 1DY is a generic UK return mailing address frequently printed on correspondence from debt purchasers such as Lowell Financial Ltd. It is not an officially published contact point for Lowell, according to company records checked in October 2026.
Key Takeaways
- Lowell Financial Ltd publishes PO Box 13079, Harlow, CM20 9TE for general post and PO Box 13079, Harlow, CM20 7TE for complaints; neither official page lists PO Box 189 Huddersfield.
- Recipients name many different senders for the Huddersfield box, including debt purchasers and pension schemes, so the address alone cannot prove who wrote a letter.
- A letter addressed to a former occupant of business premises is not a demand against the current occupier, and Business Debtline gives free advice on 0800 197 6026.
A letter from this box can mean a genuine debt, a mistaken delivery or a scam. The sections below separate the three.
Who Owns PO Box 189 Huddersfield HD8 1DY?
No public register names the holder of the box, and the sender most often reported by recipients is Lowell Financial Ltd. Lowell’s own contact and complaints pages do not list the address, so ownership remains unconfirmed.
Three facts can be stated with confidence:
- Postcode directories list HD8 1DY as a “large user” postcode under the name “Returns”. These are third-party listings, not Royal Mail’s own data.
- Recipient-report sites tie the box to Lowell, but also to Cabot Financial, Wescot, Capquest, pension schemes and building societies.
- Lowell’s official pages give different addresses for post, complaints and data protection, covered in the address table further down.
A PO Box is a rented mailing address similar to other shared UK return facilities like PO Box 4988 Swindon or PO Box 7472 Bilston, so the same Huddersfield box can serve more than one organisation or mail-handling contractor.
Recipient reports for PO Box 189 Huddersfield name Lowell Financial Ltd most often, but no official source confirms who rents the box today.
What the Records Show and What Recipients Report
The official records support Lowell’s addresses in Harlow, Northampton and Leeds, but none of them mentions Huddersfield. Only third-party sources link the Huddersfield box to a sender.
| Source | What it shows | Reliability |
|---|---|---|
| Lowell contact page | General post goes to PO Box 13079, Harlow, CM20 9TE | Official |
| Lowell complaints page | Complaints post goes to PO Box 13079, Harlow, CM20 7TE | Official |
| Lowell privacy notice | The Data Protection Officer’s address is PO Box 1411, Northampton, NN2 1BQ | Official |
| Companies House | Lowell Financial Ltd, number 04558936, is active with a Leeds registered office | Official |
| Postcode directories | HD8 1DY is listed as a large-user postcode named “Returns” | Third-party, unchecked |
| Recipient reports | Many senders are named for the box, including Lowell and Cabot Financial | Anecdotal |
Conflict resolution: Lowell’s two official pages show different Harlow postcodes, CM20 9TE and CM20 7TE. The difference follows purpose, not error: the first is for general post and the second is for the Customer Relations Team.
The table raises a naming problem, because Lowell appears as two separate companies.
Lowell Portfolio I Ltd and Lowell Financial Ltd: Which Company Is Which?
Lowell Portfolio I Ltd buys debts, and Lowell Financial Ltd manages the accounts, so letters usually come from Lowell Financial Ltd. According to Lowell’s privacy notice, that split explains why two names appear on correspondence.
Lowell’s website footer gives company number 4857418 for Lowell Portfolio I Ltd and 4558936 for Lowell Financial Ltd. Both list the registered office at No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH.
Lowell Financial Ltd states that it is authorised and regulated by the Financial Conduct Authority. The Information Commissioner’s Office register also lists both companies at the Leeds address.
Which Lowell Address and Phone Number Should You Use Instead?
Use the published Harlow address for general post and the separate Harlow address for complaints, never an address copied from a forwarded or unverified source. Both come from Lowell’s own pages.
| Purpose | Address or number | Source |
|---|---|---|
| General post | Lowell Financial Ltd, PO Box 13079, Harlow, CM20 9TE | Lowell contact page |
| Complaints | Customer Relations Team, Lowell Financial Ltd, PO Box 13079, Harlow, CM20 7TE | Lowell complaints page |
| General phone line | 0333 556 5552 | Lowell contact page |
| Phone hours | 9am to 6:30pm Monday to Friday, 9am to 4pm Saturday, closed Sundays and bank holidays | Lowell contact page |
| Letter that does not look like Lowell’s | 0333 556 5550 | Lowell contact page |
| Data Protection Officer | PO Box 1411, Northampton, NN2 1BQ | Lowell privacy notice |
A complaint that Lowell cannot resolve within 8 weeks can go to the Financial Ombudsman Service, within 6 months of Lowell’s final response. A separate Lowell debt collector phone call guide covers unexpected calls.
How to Check a Letter From PO Box 189 Huddersfield Before You Pay Anything
Verify the sender through independent sources before paying, replying or confirming any personal details. A real debt letter survives these checks, and a scam rarely does.
- Read the sender’s name and company number in the letter’s footer. Lowell correspondence should name Lowell Financial Ltd or Lowell Portfolio I Ltd.
- Compare the name and address on the envelope with your own records.
- Search the firm on the Financial Conduct Authority register and on Companies House.
- Compare the reply address with the official addresses listed above.
- Phone the number on Lowell’s contact page, not a number printed on the letter.
- Ask in writing for the original creditor, the amount and the account reference. Pay nothing until these match.
- Check your statutory credit report for free via Experian, Equifax or TransUnion. If a debt purchaser has legitimately acquired an old debt in your name, a default or new account entry will usually appear on your file.
Any letter reaching business premises with a different person’s name is a separate problem.
Wrong-Person Debt Letters at Business Premises: What to Do
A letter addressed to someone else at your business address is not a demand against you, and the safest response is to return it. Lowell’s complaints page says anyone receiving a letter for a person they do not know should contact Lowell so it can find the correct address.
Receiving a debt letter for a former tenant or employee does not make the current occupier responsible for that debt. The occupier can mark the envelope “not known at this address” and return it, or tell the sender once that the named person has moved on.
Handle the post this way:
- Do not open post addressed to a named individual or a different company.
- Write “not known at this address” on the envelope and return it to Royal Mail.
- Tell the sender once if a forwarding address exists, and keep a note of the date.
- Never ring a number on the letter to “clear it up” unless the debt is genuinely yours.
Consumer-finance guidance from Debt Camel gives the same advice, but it is a secondary source, not an official statement.
Letters addressed to a company. A company’s registered office may stay in the public record after the business has moved on, according to GOV.UK, a company must tell Companies House within 14 days of a registered-office change.
The address does not change until Companies House registers it, and previous addresses remain visible on the register. The next question is whether the debt belongs to you at all.
Is the Debt Yours? Personal Debt, Sole Traders and Company Directors
Whether a debt is yours depends on the name on the account and on how the business trades. A sole trader and the business are the same legal person, while a limited company’s debts belong to the company unless a director signed a personal guarantee.
Work through these steps:
- Confirm whether the name on the letter matches yours, a business name or your company’s.
- Establish whether you trade as a sole trader or through a limited company.
- Check any contracts or finance agreements for a personal guarantee.
- Take free advice before replying. Business Debtline helps the self-employed and small businesses on 0800 197 6026, Monday to Friday, 9am to 8pm.
MoneyHelper runs a debt advice locator for other free services.
Conclusion
PO Box 189 Huddersfield HD8 1DY is a reported return address, not a published Lowell contact point. Check the sender, use Lowell’s official Harlow addresses and phone line, and return post for other people unopened. Seek free advice before paying anything you cannot match to your own account.
FAQs
Who owns PO Box 189 Huddersfield HD8 1DY?
No official source confirms the holder. Recipients report several senders, most often Lowell Financial Ltd.
Is PO Box 189 Huddersfield a Lowell address?
Not according to Lowell’s own pages, which list Harlow, Northampton and Leeds addresses only.
What happens if you ignore Lowell?
Lowell states that an ignored account may pass to external solicitors, which may lead to a County Court Judgment.
Do you legally have to pay Lowell?
Only if the debt is yours and the amount is correct. A letter alone does not prove either.
Who does Lowell Portfolio I Ltd collect for?
Lowell Portfolio I Ltd buys accounts from original creditors, and Lowell Financial Ltd manages them.
Can Lowell send bailiffs?
Lowell’s website says an unresolved account could lead to a bailiff visit. Dispute a debt that is not yours in writing before that stage. National Debtline and Citizens Advice also offer free guidance.
Lending and debt terms vary by company and individual circumstances, and this article is general information, not advice. Details reflect Lowell’s published pages checked on 17 October 2026, so confirm current contact details with the company directly.
