Do you have debt with Link Financial Outsourcing?

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If you’ve found yourself in contact with Link Financial Outsourcing and need some help and advice, we’ve got everything you need to know.

Whether you’re being pursued for a debt you aren’t sure is yours or struggling to meet the repayments associated with your account, we’re here to help.

Being chased by debt collectors for money you owe can be a stressful situation. We understand that you may have questions you aren’t comfortable asking them, or perhaps you’ve simply lost their phone number.

The information below is a simple overview of who they are, what they do, and how to contact them.

Link Financial Outsourcing contact details:

Company Name: Link Financial Outsourcing

Other Names: Link Financial

PO Box 30095

Main Contact Number(s): 0800 064 4499




Other phone numbers that they might use to contact you:

0292 085 3500 or 0292 080 8685

Opening hours:

Monday–Thursday: 8:00am–8:30pm
Friday: 8:00am–5:00pm
Saturday: 9:00am–6:00pm

Who is Link Financial?

Link Financial is a European loan management and solutions company. They opened in 1998, and today they manage over 2.5 million accounts, employ over 700 people throughout their eleven European offices, covering around €25 billion of outstanding balances.

They provide loan servicing, debt purchase and standby services to banks, credit card companies and a selection of other credit providers.

They are a member of the Credit Services Association (CSA) and are regulated by the Financial Conduct Authority. They are an award-winning member of the CSA community.

Why would they contact you?

Link Financial take over loans and debts that some banks and credit companies have decided not to put further time and money into recovering.

Link Financial has taken over more than 2,000 of these cases in their time. If you’ve had a call, a letter or a visit from any of their collection team, that’s more than likely why.

If you’ve regularly missed payments or failed to engage with a bank or business you owe money to, Link Financial may have taken on the responsibility of collecting what you owe.

Do you owe Link Financial money?

The first step in dealing with Link is to be sure that you do owe them the money they’re trying to recover. If you’ve recently settled the account or you don’t believe the debt is yours, then you shouldn’t be expected to make repayments.

It could be possible that some of the paperwork may not have been processed yet. It could be that the debt is linked to a new address you’ve recently moved to, or even to a partner or family member.

If you need to investigate the status of the debt in question, it’s best to contact the company directly to question this.

How old is the debt Link is collecting?

When a debt reaches a certain age, then it could be the case that the debt is no longer active.  This could also be the case if the payments towards it have been overlooked for a specific amount of time.

This is known as being statute barred, which means that you legally don’t have to make any payments towards the debt, and it should be written off.

If you think this is the case, then you should contact the Financial Conduct Authority to check your rights and the status of the debt itself.

Is Link Financial treating you unfairly?

When it comes to your money and recovering debts, everyone has legal rights that collection agencies must stick to. The rules are set out and managed by the Financial Conduct Authority and are designed to protect you from being treated unfairly.

There are many ways that an agency can overstep the mark when it comes to their treatment of the people they’re chasing, including:

  • Harassment
  • Talking about your debt with people you work with or your family
  • Refusing to give you advice or deal with an agent you have chosen to manage the debt for you
  • Forcing you to take additional loans to repay the debt

These are only a few of the many ways an agent could be breaking the law. If you think you have been treated unfairly, contact the Financial Ombudsman Service to make a complaint.

Managing your debt

Talk About Debt knows everything there is to know about tricky loan situations. We are here to help you get your financial health back on track and can offer a selection of ways to make this happen.

You should never be expected to pay any money you can’t afford. We know the jargon, we know what they expect, and we can offer advice and suggest further support to deal with companies like Link Financial.

We’d also like to make sure you stay financially healthy, helping you to understand the various ways of managing credit and debt issues when they arise. Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

*Talk About Debt is not associated with Link Financial or any of the agencies in our debt collection agency and bailiff directory.