How we'll measure our impact

    Colleague Engagement Score

    How our colleagues rate us in our annual engagement survey

    Client Satisfaction Score

    How our clients rate us in our annual satisfaction survey

    Active engagement and partnerships

    Our partnerships and involvement with clients, partners, industry bodies, regulators and policy makers

    Review the full range of measures we use to track our progress on Better Ethics and Understanding

    Go to our Performance Scorecard

    We are putting our values into practice with campaigns and projects that all aim to improve the financial health of our customers and reduce the stigma of debt across society. We believe there is much more to be done to improve financial education, accessing free and fair debt advice and how debt should be collected responsibly, by both public and private sectors. We believe in making a difference and putting the customer at the heart of what we do.

    John Pears

    UK Regional CEO



    Our colleagues bring our values to life every day as it’s the big and small things we do for each other, our customers and clients that help us make credit work better for all. We’re proud our values are fully embedded throughout Lowell – we include them in our job advertising and interview processes to help us attract and select the right people; we train all our colleagues on our Values as part of our welcome programme; and we make sure all of us are reviewed and rewarded based on performance against our Values, as part of our Let’s Talk reviews. 


    Our Values were created in collaboration with our colleagues, customers and clients to capture the heart, spirit and soul of our organisation. They are:
    Pioneering, Ambition, Compassion, Excellence, Responsibility.

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    Client and customer promise

    With over 4,000 colleagues and more than 18 million active customers, our business touches the lives of many. We seek to engage with everyone in the right way by having a range of people policies and robust governance framework. Whether it’s showing compassion or taking responsibility to deliver on our promises, our teams set their own standards aligned to our values. For example in the UK, specific Customer Commitments were published on our customer website to offer additional reassurance during the uncertain times of the COVID-19 pandemic.


    42% of debt problems in the UK related to Government originated debt, so last year we worked with the Centre of Social Justice to contribute to a debt management bill in the UK to raise standards in other sectors.

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    Advancing standards and understanding

    We are committed to advancing standards within and beyond our industry by sharing insight and increasing understanding, so others follow our lead. We work with clients, partners, regulators and policy makers to improve outcomes for all consumers in the regions we operate in.

    In the UK, Lowell is heavily involved with a wide range of trade bodies and associations. We work closely with our Industry Trade Body, the CSA, to raise standards and support fairer outcomes for all consumers. Our UK Operations Director, Kathryn Morgan, was recently appointed to the CSA board and we also represent all CSA members on a UK Treasury Working Party focusing on VAT related issues for Credit Management organisations.

    Working across our sector is important too – we have been the driving force behind an industry forum for CEOs in the UK, to discuss important topics and take collective action around raising standards In the industry.


    In the UK we help to fund the free debt advice sector through the Fair Share contribution scheme (FSC). In 2020 we paid over £3.5million, helping to ensure free independent debt support will be available to those in need.

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