Link Financial debt collectors: who they are and what to do

Company

Link Financial Outsourcing Limited

Regulation

Authorised by the FCA (FRN 606817)

Company number

07059696

Base

London and Caerphilly

Who are Link Financial?

Link Financial Outsourcing Limited is a debt servicing and collection company with its registered office in London and an operations centre in Caerphilly. It is authorised and regulated by the Financial Conduct Authority. It works for the owners of debt portfolios, and in some cases it has bought debts itself.

Are Link Financial legitimate?

Link Financial Outsourcing Limited is authorised and regulated by the FCA, under the reference 606817, and its complaints procedure refers to the Financial Ombudsman Service and the Credit Services Association. You can check it on the FCA register.

Do not use links or numbers in an unexpected message. Use the details on a letter you trust or on its official website at linkfinancial.eu.

Why are they contacting me?

You may be contacted by Link Financial for a debt you took out with someone else, such as a bank or a lender. Debts are often sold, and the buyer then appoints a servicer such as Link Financial to manage them. A letter from Link may say that it is acting for a company called a debt purchaser. Link also operates under trading names, for example Asset Link Capital for some portfolios.

If you do not recognise the debt, ask for the name of the original lender, the account number, how the balance is made up and the notice of assignment, which is the document that shows the debt was transferred. Many complaints to the Financial Ombudsman Service about Link concern whether it has shown enough evidence of the debt.

What can Link Financial do?

Link Financial is a debt collection firm, and a debt collector has no special legal powers of its own. It can write, phone, text and email you, and may offer a payment plan, but it must not mislead you, harass you or threaten action it cannot take.

• Court action: if you do not engage and the debt is genuine, the creditor or collector can start a county court claim. Never ignore court papers: a judgment can follow, which harms your credit record and lets the creditor enforce it.
• Bailiffs: for most ordinary debts, bailiffs can only be instructed after a court judgment. You do not have to let anyone in.
• Prison: you cannot be sent to prison for owing money to a debt collector.

Before you pay anything

• Ask for a letter showing the original creditor, the account number, the amount and how the balance is made up.
• Do not confirm personal details or read out card numbers on an unexpected call. Ring back using the number on a letter or the official website.
• Check your credit reports to see whether the account appears.
• Be careful with old debts. In England and Wales a debt can become unenforceable in court after six years (five in Scotland), but paying or admitting it can restart the clock. Get advice first.

How to deal with Link Financial

1. Open every letter and keep copies. Ignoring contact tends to make things worse.
2. Check the debt is yours and the amount is right.
3. If it is yours and you can afford regular payments, work out a budget first, then offer an amount you can keep to and get the agreement in writing.
4. If you cannot afford to pay, do not agree to a plan you cannot keep. Get free advice first.

Free advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice.

If you cannot afford to pay

• A debt management plan for steady income.
• An IVA for larger debts.
• A debt relief order or bankruptcy where income and assets are low or debts cannot be repaid.
• Breathing Space gives 60 days of protection while you get advice.

How to complain about Link Financial

Write to the Complaints & Dispute Resolution Team at the address above. If it does not resolve your complaint within eight weeks, or you disagree with its final response, you can take it to the Financial Ombudsman Service, which is free. Link’s procedure also says you can appeal to the Credit Services Association.

Link Financial contact details

We are not associated with Link Financial. This information is provided to help people contact their creditors. Contact details change, so check the company’s website before you write or call. Last reviewed 11 November 2026.

Frequently asked questions