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Link Financial Debt Help – Freeze Action & Lower Repayments

Been contacted by Link Financial Outsourcing? If you're receiving letters, phone calls, or emails from them, you're likely being pursued for an old debt — sometimes one you barely recognise.

At Fresh Start Debt Support, we help people all over the UK take control of debts held by Link Financial. We explain your options clearly, without pressure or judgment, and help you stop contact, freeze interest, and set up a manageable repayment plan if you qualify.

Check If You Qualify

Who Are Link Financial?

Link Financial is one of the UK’s largest debt purchasing companies. They buy debts from high street banks, credit card companies, utility firms, and car finance providers — often for a fraction of the original balance. Once they buy the debt, they become the legal owner and take over the process of collecting payment.

They may be chasing debt from:

Is Link Financial a Bailiff?

No. Link Financial are not bailiffs. They do not have the right to enter your home or seize your possessions. They are a debt purchaser, not an enforcement agent. However, they may take further action such as referring your case to solicitors, issuing a County Court Judgment (CCJ), or passing the case to actual bailiffs — if the debt goes unpaid and legal steps are taken.

Learn how to stop debt collectors and avoid escalation by taking action early.

What Happens If I Ignore Link Financial?

If you ignore their contact, the following may happen:

Ignoring the problem won't make it go away — but the good news is that there are ways to freeze action, stop contact, and reduce your payments, often legally.

Can I Stop Link Financial From Contacting Me?

Yes. You can request all communication in writing only and ask for proof of the debt. But more powerfully, many people stop the contact altogether by entering into a formal debt solution that protects them from creditors — including Link Financial.

The most common ways people deal with Link debts include:

These plans can freeze interest, stop legal action, and reduce the total you repay.

How Do I Know If the Debt Is Legitimate?

If you don’t recognise the debt Link Financial is chasing, you can request:

Until they provide this, you're not obliged to pay — and if they can’t provide it, the debt may be unenforceable. We can guide you on the best way to request this information.

Include Link Financial in a Repayment Plan

If you’re struggling with multiple debts, you may be eligible to include Link Financial in a broader debt solution. Many clients include debts from multiple collectors, such as:

This way, you deal with everything at once and reduce the stress of constant letters and calls.

Use Our Debt Calculator

How We Can Help

We don’t offer advice, but we can help you explore regulated debt solutions that may stop Link Financial and lower your payments. Our small UK-based team makes the process easy to understand and fast to start.

All help is free to check, and there's no pressure to proceed.

See If You Qualify Today
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