PO Box 189 Huddersfield HD8 1DY: Who Uses It ?

Quick answer

PO Box 189 Huddersfield HD8 1DY is primarily used by Lowell Financial, a UK debt collection agency. It’s also linked to other businesses like the Cambridge Building Society. If you’ve received a letter from this address, it’s likely related to debt collection or a financial statement.

Why You’re Getting Mail from PO Box 189 Huddersfield HD8 1DY

Have you recently received a letter with the return address PO Box 189 Huddersfield HD8 1DY? You’re not alone. This postal address has sparked curiosity—and concern—across the UK. Many people report receiving unexpected mail from this address, often tied to financial matters.

This post breaks down who uses this PO Box, why you’re getting contacted, and what steps you should take next. Whether it’s a debt notice or a bank statement, understanding the origin is key to responding appropriately.

Let’s demystify the infamous PO Box 189 Huddersfield once and for all.

Key Facts About PO Box 189 Huddersfield HD8 1DY

Who Is Lowell Financial Ltd?

A Major UK Debt Collection Agency

Lowell Financial Ltd is a Leeds-based debt collection company. They purchase debt from banks, credit card companies, and mobile providers. Once acquired, they chase repayment through letters, emails, and phone calls.

Authorised & Regulated

Lowell is authorised by the Financial Conduct Authority (fca.org.uk) to operate in the UK. They are a legitimate business—not a scam—though their communication can cause anxiety.

Types of Debts They Handle

• Overdue credit card balances
• Unpaid personal loans
• Utility arrears
• Store card accounts

Why Did You Receive a Letter from This PO Box?

1. You Owe Money

Most commonly, if Lowell Financial has contacted you, they believe you owe a debt they’ve purchased. It may have been acquired from a provider like:

• Vodafone
• Capital One
• Littlewoods

2. Mistaken Identity

Sometimes letters are sent to the wrong recipient due to outdated data. If you’re certain the debt isn’t yours, respond to Lowell to dispute it.

3. Annual Statements

Not all mail from PO Box 189 relates to debt. Some users report receiving annual savings statements, especially from the Cambridge Building Society (cambridgebs.co.uk).

What To Do If You Receive a Letter

Step 1: Don’t Ignore It

Even if you believe the letter is an error, ignoring it could escalate matters.

Step 2: Identify the Sender

Check the letterhead. Is it from Lowell Financial? Another financial institution? This tells you whether it’s debt-related or just informational.

Step 3: Verify the Debt

If the letter says you owe money, request:

• A copy of the original credit agreement
• Details of when and how the debt was incurred
• Proof that Lowell owns the debt

Step 4: Check Your Credit Report

Use a service like Experian or ClearScore to review your credit file. It may list any debts Lowell is collecting.

Is PO Box 189 Huddersfield a Scam?

No. While it’s natural to feel uneasy getting unexpected financial mail, this address is linked to real, regulated organisations. However, always confirm legitimacy by checking with the company directly—not by replying blindly.

Important: Never give personal information until you’ve confirmed the sender’s identity.

What Others Say About This Address

Reddit & MSE Forum Users

Dozens of threads reference this PO Box. Themes include:

• Surprise letters from Lowell
• Confusion about why they’re being contacted
• Unfamiliar account references

In most cases, it’s either an old debt or an error in data matching.

How to Stop Mail from This Address

If you’re getting repeated letters and want them to stop:

• Write to the sender formally requesting no further contact under Section 40 of the Administration of Justice Act.
• If you’re not the intended recipient, return the mail marked “Not at this address”.
• File a complaint with the FCA if the issue continues.

Conclusion

If you’ve received mail from PO Box 189 Huddersfield HD8 1DY, don’t panic—but don’t ignore it either. It’s likely from Lowell Financial, a UK-regulated debt collector, or a financial institution like Cambridge Building Society. Open the letter, read it carefully, and take appropriate steps—whether that’s repayment, dispute, or information gathering.

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