Link Financial Outsourcing is a debt purchasing company based in Caerphilly, Wales and London. They buy old debt portfolios from banks, utilities, and other lenders — then chase you for the full amount. They’re legitimate and FCA-authorised, but if you’ve received a letter about a debt you don’t recognise, you have the right to challenge it.
Who Are Link Financial?#
Full legal name: Link Financial Outsourcing Limited Company number: 07059696 (incorporated 28 October 2009) Registered office: 11 Belgrave Road, London, SW1V 1RB Operational centre: Caerphilly, Wales — purpose-built facility opened December 2015, employs hundreds of staff for customer-facing operations, call centre, and account administration FCA authorisation: FRN 606817 Credit Services Association (CSA) membership: No. 321 (member since 21 February 2001) VAT registration: 884251409 Parent company: LC Financial Holdings Ltd (LC Group) Associated investment firm: LCM Partners Ltd / LCM Capital LLP S&P Global ratings: “Above Average” and “Strong” servicer rankings European operations: 9 countries, managing 7+ million accounts ICO registered: Yes, for data protection compliance
The Complex Regulatory History#
Link Financial Outsourcing Limited (FRN 606817) is the current authorised entity. However, the group has a complex history.
Previous registrations under “Link Financial Management”:
- FRN 187100 (no longer authorised)
- FRN 231863 (no longer authorised)
If you received letters years ago from “Link Financial Management,” it’s the same group — but the regulatory structure has changed. The current entity (Link Financial Outsourcing Limited, FRN 606817) is the one you should verify and complain to.
London vs Caerphilly: The Two-Site Model#
London (11 Belgrave Road, Pimlico) is the strategic and regulatory hub. Senior management is based here, and the office integrates with other LC Group companies like LCM Partners for portfolio acquisition and investment management.
Caerphilly, Wales is the operational engine room. The vast majority of customer-facing activities happen here: primary servicing, account administration, telephone recovery. If you call Link Financial or speak to a field agent, you’re likely dealing with the Caerphilly team.
The Caerphilly office also houses a Specialist Support Team that consistently receives praise in Trustpilot reviews for empathy when dealing with vulnerable customers, mental health issues, or severe financial anxiety. If you’re in a vulnerable position, ask for this team by name.
Do Link Financial Buy Debt or Collect It?#
This is the most important thing to understand. Link Financial operates a dual business model, and which one applies to your debt changes everything: your rights, settlement options, and who you ultimately owe.
Primary Model: Debt Purchaser#
Link Financial buys portfolios of non-performing loans from banks, utility companies, and other lenders. They purchase these debts at a fraction of face value — industry reports suggest around 10 pence for every £1 of debt.
Once purchased, Link Financial becomes the legal owner of the debt. The original creditor is out of the picture. Link can pursue you for the full balance — not just the 10p they paid for it.
This is why they can afford to settle for less (see below) — even a 50% settlement still gives them a 400% return on their investment.
Secondary Model: Third-Party Servicer#
Link Financial also acts as a “white-label” servicer for debts owned by other lenders. In this model:
- The original lender retains ownership
- Link manages the account using their technology and scale
- Link collects on behalf of the lender and takes a fee or commission
Why This Matters to You#
If Link purchased your debt:
- They own it. You deal with them directly.
- They have more flexibility to settle for a lower percentage.
- You need proof they legally acquired the debt (Notice of Assignment — see below).
If Link is servicing debt on behalf of someone else:
- The original lender still owns it. Link is just the middleman.
- Settlement offers may require the original lender’s approval.
- You may have more leverage by going back to the original lender directly.
How to Find Out Which Model Applies#
Ask Link Financial directly: “Do you own this debt, or are you collecting it on behalf of another company?”
They must tell you. This affects your strategy for negotiation, settlement, and dispute.
Who Do Link Financial Collect For?#
Link Financial manages a vast portfolio across multiple sectors. Here’s who they collect for:
Consumer Credit#
- Barclaycard — credit cards, personal loans
- Capital One — credit cards
- MBNA — credit cards
- High-street banks — overdrafts, personal loans
Utilities and Telecommunications#
- Npower — energy bills
- O2 — mobile phone contracts
- Water companies — unpaid bills
Government Debts#
- HMRC — tax arrears
- DVLA — vehicle excise duty (car tax), unpaid fines
- Local councils — parking fines, council tax arrears
Asset Finance#
- Auto loans
- Mortgages (shortfall debt after repossession)
- Student loans
Retail Credit#
- Littlewoods and similar catalogue companies
Debt Sold Multiple Times#
If you don’t recognise the original creditor Link mentions, it may be because the debt has been sold multiple times before Link bought it. Each sale transfers ownership, but the debt remains the same.
You have the right to request full documentation showing the chain of ownership from the original creditor to Link Financial.
The Notice of Assignment — Your First Line of Defence#
When Link Financial buys a debt, the legal transfer is called an “assignment of claim” under Section 136 of the Law of Property Act 1925.
What Is a Notice of Assignment?#
A Notice of Assignment is a formal letter that must be sent to you (the debtor) confirming:
- The debt has been legally transferred from the original creditor to Link Financial
- The name of the original creditor
- The amount you owe
- That Link Financial is now the legal owner
Why It Matters#
Without a Notice of Assignment, the legal transfer isn’t complete against you. You have the right to refuse payment until Link provides this notice.
This is not optional. It’s a legal requirement. If Link is demanding payment but hasn’t sent you a Notice of Assignment, they’re not entitled to enforce the debt against you yet.
How to Check#
Does the letter from Link Financial:
- Name the original creditor (e.g., “debt originally owed to Barclaycard”)?
- State the amount you owe?
- Explicitly reference that the debt has been assigned to Link Financial?
If you haven’t received this, write to Link Financial:
“I have not received a Notice of Assignment as required by Section 136 of the Law of Property Act 1925. Please provide this before I make any payment or acknowledge the debt.”
How to Challenge a Link Financial Debt (“Prove It”)#
Link Financial manages over 7 million accounts across Europe. With that volume, data errors happen. Debts get mixed up. Balances are wrong. Agreements are lost. Previous owners of the debt may have failed to keep proper records.
Before you acknowledge the debt or make any payment, challenge them to prove it.
What to Request in Writing#
Send a letter to Link Financial demanding:
A copy of the original signed credit agreement — the contract you signed with the original lender. This must have your signature and the lender’s signature to be enforceable under the Consumer Credit Act 1974.
A full statement of account — showing how the balance was calculated, including:
- The original amount borrowed
- All payments you made
- All interest and charges added
- The current balance Link is claiming
Evidence of the legal assignment — proof that the debt was legally transferred from the original creditor to Link Financial. This includes the Notice of Assignment and any intermediate sales if the debt changed hands multiple times.
What Happens If They Can’t Provide This?#
If Link Financial (or the original creditor) cannot produce a properly executed credit agreement with your signature, the debt is likely unenforceable under Sections 77-78 of the Consumer Credit Act 1974.
They can’t take you to court to recover it. They can still ask you to pay voluntarily, but you have significant leverage to negotiate a much lower settlement — or refuse to pay entirely.
Template “Prove It” Letter#
Dear Link Financial Outsourcing Limited,
Account Reference: [Your reference number]
I dispute the debt you claim I owe. Before I make any payment or acknowledge this debt, I require you to provide:
- A true copy of the original signed credit agreement under Section 77/78 Consumer Credit Act 1974
- A full statement of account showing how the balance was calculated
- Evidence of the legal assignment of this debt from [original creditor] to Link Financial Outsourcing Limited
Until you provide these documents, I will not be making any payments or acknowledging this debt.
Yours faithfully, [Your name]
Send this by recorded delivery. Keep a copy.
Link Financial Harassment — Your Rights#
The term “harassment” is frequently used by people dealing with Link Financial. The search query “link financial harassment” receives significant traffic, and the complaints are consistent: persistent calls, aggressive letters, threats of home visits, chasing debts people thought were long gone.
What the Law Says#
The Financial Conduct Authority’s Consumer Credit sourcebook (CONC 7) sets clear rules on what debt collectors can and cannot do.
Link Financial must NOT:
- Contact you multiple times a day or at unreasonable hours (early morning, late night, weekends)
- Use documents that look like court papers or government letters when they’re not
- Pressure you to sell your home, borrow more money, or go without essentials to pay them
- Discuss your debt with your family, neighbours, or employer without your permission
- Threaten actions they cannot legally take (e.g., “we’ll send bailiffs” when they can’t)
- Continue contacting you after you’ve requested letter-only contact in writing
Why Link Financial Generates More Harassment Complaints#
Reason 1: They Chase Old “Zombie” Debt Link Financial buys portfolios of very old, non-performing debt. You may not have heard about this debt in years — possibly a decade. Suddenly, Link contacts you demanding the full balance. This feels like harassment because you thought the debt was gone or forgotten.
Reason 2: High-Frequency Automated Calling Link uses automated dialling systems. If you’re flagged as a “priority account,” you may receive multiple calls per day. The system doesn’t always account for when you’ve already spoken to someone or agreed to call back.
Reason 3: Field Agent Home Visits Link appoints field agents to visit your home. This is legal, but the agents are not bailiffs (see below). The threat of a stranger knocking on your door feels aggressive and intimidating.
Reason 4: Cross-Border Chasing Link operates across 9 European countries. If you’ve moved abroad (e.g., UK debt but you now live in Spain), Link may still chase you. Cross-border debt collection is complex, and the tactics can feel relentless if you’re unfamiliar with the legal protections in your new country.
What to Do If You’re Being Harassed#
- Request letter-only contact — Write to Link Financial:
“I request that all future contact regarding account reference [your reference] be in writing only. Do not call my phone or send text messages.”
Under FCA rules, they must honour this.
Document everything — Keep copies of all letters, emails, voicemails, and text messages. Note dates and times of calls.
Complain to Link Financial — Write a formal complaint (see “How to Complain” section below).
Escalate to the Financial Ombudsman Service — If Link doesn’t resolve your complaint within 8 weeks, escalate to the FOS at financial-ombudsman.org.uk.
Report to the FCA — Serious breaches (threatening violence, repeatedly calling after being told to stop) should be reported to the Financial Conduct Authority at fca.org.uk/consumers.
Can Link Financial Send Bailiffs?#
No. Link Financial field agents are not bailiffs.
This is one of the most common sources of anxiety. Let’s be clear about the difference.
Link Financial Field Agents#
- No right of entry — They cannot force their way into your home
- Cannot seize goods — They have no power to take your belongings
- Role: Discussion, negotiation, delivering notices
If a Link Financial agent knocks on your door:
- You don’t have to let them in. Tell them to leave.
- If they refuse to leave, that’s harassment. Call the police.
- Request letter-only contact and close the door.
Court-Appointed Bailiffs#
These are completely different. Bailiffs (in England and Wales) or sheriff officers (in Scotland) are appointed by a court after Link Financial has:
- Taken you to court
- Won a County Court Judgment (CCJ) or decree
- Applied for a warrant to send bailiffs
Bailiffs have enforcement powers. Link Financial field agents do not.
For more on the difference, see our bailiffs guide.
Can You Settle a Link Financial Debt for Less?#
Yes — and often for significantly less than the full balance.
If Link Purchased the Debt#
Because Link bought your debt at around 10 pence per £1, they can accept a reduced settlement and still profit.
Typical settlement range for purchased debt: 40-60% of the total balance as a lump sum.
Strategy:
- Start your offer at 20-30% of the balance
- Negotiate up if needed
- Aim for 40-50% as your target
Example: If Link claims you owe £5,000, offer £1,000 (20%). They’ll likely counter with £2,000-£2,500 (40-50%). If you can pay £2,000 as a lump sum, Link still makes £1,500 profit on their £500 investment.
If Link Is Servicing the Debt#
If Link doesn’t own the debt and is just collecting on behalf of the original lender:
- Settlement may require the original lender’s approval
- Expect a higher percentage (70-90%)
- You may have more success negotiating directly with the original lender
Get It in Writing#
Before you pay a single penny, get the settlement agreement in writing from Link Financial (or the original creditor if Link is just servicing). The letter must state:
- The settlement amount
- That paying this amount clears the debt in full
- That no further balance will be pursued
If they refuse to put it in writing, don’t pay.
Credit File Impact#
A settled debt shows as “Settled” (partially paid) not “Satisfied” (paid in full) on your credit report. This negative mark stays for 6 years from the date of settlement.
Multiple Debts? Consider an IVA#
If Link Financial is chasing you and you have other debts totalling £5,000+, an Individual Voluntary Arrangement (IVA) could write off up to 70% across all your debts — including Link Financial.
Once your IVA is approved, Link must stop contacting you. All communication goes through your Insolvency Practitioner.
Check if you qualify using our IVA calculator — takes 2 minutes.
Is Your Link Financial Debt Statute-Barred?#
This is especially relevant for Link Financial because they buy old debt portfolios. You may be contacted about a debt you haven’t heard about in 5, 10, or even 15 years.
What Is Statute-Barred?#
A debt becomes “statute-barred” (also called “time-barred” or “prescribed”) after a certain period with no payment or written acknowledgement. Once statute-barred, the creditor cannot take you to court to recover it.
England and Wales: 6 years (Limitation Act 1980) Scotland: 5 years (Prescription and Limitation (Scotland) Act 1973) — in Scotland, the debt is extinguished (it ceases to exist), not just unenforceable
The Clock Starts From:#
- The date of your last payment, OR
- The date you last acknowledged the debt in writing
The Clock Restarts If:#
- You make any payment (even £1)
- You acknowledge the debt in writing (e.g., “I know I owe this but I can’t pay right now”)
This is why you should never pay or acknowledge a debt until you’ve checked the dates.
Can Link Financial Still Contact You?#
Yes. Link can still send letters asking for payment on a statute-barred debt. But they cannot take you to court.
Under FCA rules (CONC 7.14), if you tell Link the debt is statute-barred, they must:
- Stop collection activity, OR
- Prove the limitation period hasn’t expired
What to Do If You Think Your Debt Is Time-Barred#
- Check the dates — When was your last payment? When did you last acknowledge the debt?
- Do NOT make a payment — This restarts the clock.
- Do NOT acknowledge the debt in writing — Even saying “I owe this” counts as acknowledgement.
- Write to Link Financial:
Dear Link Financial Outsourcing Limited,
Account Reference: [Your reference]
I believe this debt is statute-barred under the Limitation Act 1980. My last payment was on [date], which is over 6 years ago. I have not acknowledged this debt since that date.
Under FCA CONC 7.14, you must cease collection activity unless you can prove the limitation period has not expired.
Yours faithfully, [Your name]
Send by recorded delivery. Keep a copy.
For more detail, see our statute of limitations help and advice page.
Link Financial’s European Operations#
Link Financial isn’t just a UK company. They operate in 9 countries across Europe, managing over 7 million accounts.
France: Link Financial SAS#
Link Financial established a permanent operation in Nantes, France in 2018 under the subsidiary Link Financial SAS. This office is led by Guillaume de Trogoff, who brings 20 years of experience from BNP Paribas.
Why French people search for Link Financial:
- Link contacts French consumers about debts assigned from French banks and consumer lenders
- French law (Article 1322 of the Civil Code, effective October 2016) requires a “notification of assignment” to be sent to confirm the debt is owed to Link Financial, not the original lender
If you’re in France and being contacted by Link Financial, the same rules apply: request proof of assignment, challenge the debt, check if it’s time-barred under French limitation rules.
Ireland: Galway Office#
Link Financial provides credit management services from an office in Galway, Ireland. This office is subject to the Irish Financial Services Ombudsman.
Cross-Border Debt Collection#
If you owe a UK debt but now live abroad (or vice versa), Link can still contact you. However:
- They must comply with the laws of the country where you currently live
- Enforceability depends on the original credit agreement and the jurisdiction
- You may have stronger protections in your current country than under UK law
If you’ve moved abroad and Link Financial is chasing you: Seek legal advice in your country of residence. The rules for cross-border debt enforcement are complex and vary by jurisdiction.
Your Rights When Dealing with Link Financial#
Link Financial is regulated by the Financial Conduct Authority. They must comply with FCA CONC rules, which include:
Treating Customers Fairly (TCF)#
- No aggressive practices, harassment, or misleading statements
- Cannot misrepresent their powers (e.g., claiming they’re bailiffs when they’re not)
- Cannot contact you at unreasonable times (e.g., late at night, early morning)
- Cannot discuss your debt with third parties (family, neighbours, employers) without your permission
Vulnerable Customer Protections#
Link Financial must identify and support vulnerable customers. If you have:
- Mental health issues (anxiety, depression, PTSD)
- Serious illness or disability
- Recent bereavement or relationship breakdown
- Other circumstances affecting your ability to deal with debt
Tell Link Financial in writing. They must:
- Stop aggressive collection tactics
- Provide extra time to respond
- Offer alternative communication methods
- Consider suspending collection activity while you seek debt advice
Ask for the Specialist Support Team#
Link Financial’s Caerphilly office has a Specialist Support Team that consistently receives praise in Trustpilot reviews for empathy and compassion when dealing with vulnerable customers.
If you’re struggling with mental health or severe financial anxiety, ask for this team by name. Many reviewers report a dramatically different experience once transferred to this team.
Your Right to Request Letter-Only Contact#
You can request that Link stop calling and texting you. Write to them:
“I request that all future contact regarding account reference [your reference] be in writing only. Do not call my phone or send text messages.”
They must honour this under FCA rules.
Your Right to Challenge the Debt#
You have the right to request:
- A copy of the original credit agreement (s77/78 Consumer Credit Act 1974)
- Full statement of account
- Proof of legal assignment from original creditor to Link Financial
Your Right to Request a Return to the Original Creditor#
If Link is servicing the debt on behalf of someone else, you can ask them to return your account to the original creditor:
“I request that you return my account to [original creditor]. I will deal with them directly.”
Link may comply, or they may refuse if they have a contract with the creditor to pursue the debt. But it’s worth trying, especially if you have a better relationship with the original lender.
How to Stop Link Financial Contacting You#
You have several options depending on your situation.
Option 1: Pay the Debt or Set Up a Repayment Plan#
The most straightforward way to stop Link contacting you is to clear the debt. If you can’t pay in full:
- Negotiate a repayment plan you can afford
- Ask for the Specialist Support Team if you need empathy and flexibility
- Get the agreement in writing before making any payments
Option 2: Request Letter-Only Contact#
If phone calls and texts are causing stress, write to Link requesting letter-only contact (see above). They must stop calling you.
Option 3: Challenge the Debt#
Send a “Prove It” letter demanding:
- Original credit agreement
- Full statement of account
- Proof of legal assignment
If they can’t produce these, the debt may be unenforceable.
Option 4: Breathing Space#
If you’re struggling with multiple debts, you can apply for Breathing Space — a 60-day legal protection that stops most creditors (including Link Financial) from:
- Contacting you
- Adding interest or charges
- Taking enforcement action
Contact a debt advice charity like StepChange or Citizens Advice to apply. Visit our homepage for more on Breathing Space.
Option 5: IVA or Trust Deed#
An Individual Voluntary Arrangement (IVA) in England/Wales or a Trust Deed in Scotland is a formal debt solution that writes off a portion of your debt (typically 60-70%).
Once your IVA or Trust Deed is approved, Link Financial must stop contacting you. All communication goes through your Insolvency Practitioner.
Link Financial debts can be included. Check if you qualify using our IVA calculator — takes 2 minutes.
Option 6: If the Debt Is Statute-Barred#
If you believe the debt is over 6 years old (5 years in Scotland) with no payments or written acknowledgement, write to Link Financial stating the debt is statute-barred. They must cease collection unless they can prove otherwise.
Link Financial Contact Details#
Registered office: Link Financial Outsourcing Limited 11 Belgrave Road London SW1V 1RB
Operational centre: Caerphilly, Wales
Website: linkfinancial.co.uk (verify current URL on their official communications)
Complaints: Write to the registered office marked “Complaints Department” — Attention: Complaints Manager
If unresolved after 8 weeks: Financial Ombudsman Service — phone 0800 023 4567
FCA register: Check FRN 606817 at register.fca.org.uk
CSA verification: Membership No. 321 at csa-uk.com
How to Complain About Link Financial#
If Link Financial has broken FCA rules (harassment, misrepresentation, refusing to honour letter-only contact), follow these steps:
Step 1: Complain Directly to Link Financial in Writing#
Send a formal complaint letter to:
Link Financial Outsourcing Limited 11 Belgrave Road London SW1V 1RB
Mark the envelope: Complaints Department
State clearly:
- Your name, address, and Link Financial account reference
- What Link did wrong (be specific: dates, times, what was said)
- How it affected you
- What you want them to do (e.g., stop contacting you, correct your credit file, compensate you)
Keep a copy of your letter and send it by recorded delivery.
Step 2: Financial Ombudsman Service (8 Weeks Later)#
If Link doesn’t respond within 8 weeks, or if you’re unhappy with their response, escalate to the Financial Ombudsman Service (FOS).
The FOS is a free, independent complaints service. They can order Link to:
- Pay you compensation (up to £430,000 for complaints made after 1 April 2024)
- Stop collection activity
- Correct your credit file
- Refund unfair charges
Contact the FOS at financial-ombudsman.org.uk or call 0800 023 4567.
Step 3: Report FCA Rule Breaches#
If Link has committed serious breaches (e.g., threatening violence, repeatedly contacting you after being told to stop, misrepresenting their powers), report them to the Financial Conduct Authority.
You can’t complain directly to the FCA about your individual case, but they track patterns of misconduct. If multiple people complain, the FCA may investigate Link Financial.
Report at fca.org.uk/consumers.
Step 4: Data Protection Issues#
If Link has mishandled your personal data (e.g., disclosed your debt to a third party, refused to provide information you requested under GDPR, contacted you after you withdrew consent), complain to the Information Commissioner’s Office (ICO).
Report at ico.org.uk/make-a-complaint.
If you’re struggling with debt and want to find out what options are available, use our free IVA calculator to see how much you could write off.
Frequently Asked Questions#
Is Link Financial Outsourcing a real company?#
Yes. Link Financial Outsourcing Limited is a legitimate debt collection and purchasing company registered in England (company number 07059696). They’re authorised by the FCA (FRN 606817) and are members of the Credit Services Association (No. 321). You can verify this on the FCA register at register.fca.org.uk.
Can Link Financial send me to jail?#
No. Unsecured debt in the UK is a civil matter, not a criminal one. Link Financial cannot have you arrested or imprisoned for owing them money. The only exception is wilful refusal to pay a court fine (e.g., council tax liability order) — but even then, it’s the court that takes action, not Link Financial.
Will Link Financial repossess my home?#
Extremely unlikely for unsecured debt. Link Financial would need to:
- Take you to court and win a County Court Judgment
- Apply for a Charging Order to secure the debt against your property
- Apply for an Order for Sale to force you to sell your home
This is a last resort and rarely happens for typical consumer debts (credit cards, personal loans). Courts are reluctant to grant Orders for Sale, especially if you have dependents living in the property.
How do I stop Link Financial from calling?#
Write to Link Financial requesting letter-only contact. State clearly: “I request that all future contact regarding account reference [your reference] be in writing only. Do not call my phone or send text messages.” Under FCA rules, they must honour this. Send your letter to 11 Belgrave Road, London, SW1V 1RB by recorded delivery.
Can Link Financial affect my credit score?#
Indirectly. Link Financial doesn’t report to credit agencies themselves. But the original creditor does. If you had defaults, missed payments, or a CCJ before the debt was sold to Link, those stay on your credit file for 6 years. Link may also apply for a CCJ against you if you don’t pay, which will appear on your credit report.
Why is Link Financial contacting me about an old debt?#
Link Financial buys portfolios of old, non-performing debt. You may not have heard about this debt in years because the original creditor wrote it off. Link purchased it (for around 10p per £1) and is now chasing you for the full amount. Check if the debt is statute-barred — if it’s over 6 years old (5 in Scotland) with no payments, they likely can’t take you to court.
Can I negotiate with Link Financial?#
Yes — and they’re often willing to accept significantly less than the full balance. If they purchased your debt at 10p per £1, they can settle for 40-60% of the full amount and still profit. Start your offer at 20-30% and negotiate up. Always get the settlement agreement in writing before paying.
What happens if I ignore Link Financial?#
Ignoring them won’t make the debt disappear. If you ignore Link Financial:
- Persistent letters, calls, texts (until you request letter-only contact)
- Field agent home visit (but they’re not bailiffs)
- Return of your case to the original creditor or escalation to court proceedings
- County Court Judgment (CCJ) if they take legal action
- Potential bailiff enforcement (only after a CCJ)
- Your credit file worsens
If you can’t afford to pay, don’t ignore them — engage, explain your situation, explore options like repayment plans, Breathing Space, or an IVA.
Are Link Financial and Link Financial Management the same?#
Yes and no. They’re part of the same group, but the regulatory structure has changed. Link Financial Management was the previous entity with FRN 187100 and FRN 231863 (both no longer authorised). Link Financial Outsourcing Limited (FRN 606817) is the current authorised entity. If you received letters from Link Financial Management years ago, you’re now dealing with Link Financial Outsourcing Limited under the current regulatory structure.
Do Link Financial operate in France?#
Yes. Link Financial has a permanent operation in Nantes, France (since 2018) under the subsidiary Link Financial SAS. They contact French consumers about debts assigned from French banks and lenders. French law (Article 1322 Civil Code) requires a “notification of assignment” to be sent. If you’re in France and being contacted by Link Financial, the same consumer protections apply: request proof of assignment, challenge the debt, check if it’s time-barred.
Need help with multiple debts? If Link Financial is chasing you and you have other debts totalling £5,000 or more, an Individual Voluntary Arrangement (IVA) could write off up to 70% and stop creditors contacting you. Use our IVA calculator to check if you qualify in 2 minutes.
For general debt help, including free advice services, visit our debt help page.