Paul Thomas

Capital One (Europe) Plc issues credit card. It also provides retail financial services. The company is headquartered in Nottingham, the United Kingdom.

Lowell Group Ltd. provides credit management, debt recovery, data analytics and customer insight services. The firm purchases portfolios from a client base that includes banks, credit card issuers and finance houses, utilities, telecoms and mobile providers, retail credit, and home entertainment providers. The company was founded by Andrew Paul Bartle, Joyce Newman, and James John Cornell in 2004 and is headquartered in Leeds, the United Kingdom.