Who are Link Financial?
Link Financial Outsourcing are a debt collection agency and debt recovery company.
As a debt collection company they specialise in collecting payments of debts owed by individuals or businesses. They collect debts on behalf of HMRC and companies like Capital One, O2, Littlewoods and the like.
Chances are they are calling or writing to you because they believe you owe money.
They also buys "bad debts" or "old debts" from banks, credit card companies and other lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Link Financial. The debt collection agency typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they may be calling or writing to you because they have purchased your debt from the original lender, like MBNA Credit Cards, Barclaycard and numerous pay day loan companies. They now own the debt and believe you owe money.
Link Financial is one of the largest debt collectors in the UK. However they have been found to use less than fair collection methods, as feature in this article by the BBC
If you have been contacted by them, you have to make a decision on how to deal with them.
Do you actually owe them any money?
Link Financial are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
How old is the debt they are collecting?
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can't afford to pay that much each week or month.
Our experts deal with Link Financial every day, and can quickly help you determine if the debt is statute barred, in which case you won't have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Link Financial.
This will make sure that if you do owe them money you onlt enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.
Stop the letters & calls
Fed up of constant letters and calls! Do you even owe them? FREE check to stop the calls & collection action NOW.
What can Link Financial do?
All debt collectors must follow the strict debt collection guidance laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that companies like Link Financial must adhere to in order to be considered fit to operate as a debt collector.
Under the FCA rules, they can not claim unfair or excessive collection charges, they can not harrass you, they can't threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
If you're one of the many people being sent constant letters, text messages and not answering your phone without looking at "whocallssme.com" in order to avoid the many (and we mean MANY) phone calls by debt collectors, keep reading, WE CAN HELP.
If you have received a letter about a debt you don't recognise or think you've paid off, you need to read our
11 steps to deal with debt collectors. It explains exactly what they can do and how to dispute a debt and how to handle their calls and letters.
Numbers they call from:
Please note: debt collectors keep changing the numbers they dial out from, so this is may not be a complete and up to date list of numbers they use.
Link Financial Outsourcing Contact Details:
- Company Name: Link Financial Outsourcing
- Other Names: Link Financial
PO Box 260
- Contact Number: 0800 064 4499
- Website: www.linkfinancial.eu/home/customer/
- Email: [email protected]
- 8:00 am - 8:30 pm
Monday - Thursday:
Friday: 8:00 am - 5:00 pm
Saturday: 9:00 am - 6:00 pm
Please note that we are not associated with Link Financial Outsourcing in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Link Financial you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them.
If you’re struggling to repay a debt and would like us to deal with Link Financial on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.
Need Help With Link Financial Debt Collectors?
If you want more help on dealing with Link Financial, call our FREE Helpline on 0800 368 8133 (freephone, including all mobiles) or take the online debt test and find your best solution.