Who: Dukes Bailiffs

What: Lowell is a UK credit management company that purchases and manages consumer debt, helping customers find affordable routes towards becoming debt-free.

It offers flexible payment plans without interest or fees for engaged customers, supported by online accounts, a mobile app, budget and benefits calculators, guidance and access to independent debt advice.

Lowell says it has helped more than 3.5 million customers become debt-free. Its approach focuses on treating customers fairly, understanding affordability and providing responsible support throughout the repayment journey.