"Link Financial Outsourcing": strange letter

rjay

This morning I received a very strange letter from a company called Link Financial Outsourcing at a PO Box in London SE1.

"Dear Mr Jay

An application for credit (bank loan, credit card, etc.) occurred in the name of:

APPLICANTS NAME: Mr Jay

This application was at an address different from your own however that address is currently linked to your own home address.

We ask that you contact our offices to discuss this on 02920 808610

Your sincerely,"

Any idea what this is about ? Around 10 years ago I did rack up a couple of defaults when I hit financial trouble but as far as I know all debts were cleared at least several years ago.

Something about this letter doesn't smell good to me - I know for a fact that I haven't applied for credit in ages - so I am reluctant to call them ...

LilacPixie

Sounds like a phishing letter to me. I would file under B for Bin

DarkConvict

LINK Financial is a leading European purchaser and servicer of performing and non-performing receivables.

From there own website, basically they are a debt collector as i guess you worked out.
There is no application for credit, they are fishing for information. So I would ignore it. only if they chase you with some worthwhile information, then go and send the prove it letter and work out what it is.

From CAG forums, a similar issue - http://www.consumeractiongroup.co.uk/forum/showthread.php?240111-Link-Financial-Outsourcing-Ltd

rjay

Pretty much what I was thinking - many thanks.

rjay

Well I didn't contact them and now they have written to me with details of a specific alleged debt which must be well over 8 years old.

I shall use the letter suggested earlier in the thread but in the meantime, will this appear on my credit history ?? It wasn't there a few months ago - no doubt because of its age - but as I'm about to apply for a mortgage I'm concerned that this alleged debt might prove a problem ....

comedystu

Hi, got one the initial letter the same as you yesterday morning, keep us updated as to the outcomes, it does seem like they are trying to confirm that you are at the address, had this a few times myself but I never confirmed any of them

Hannah_10

rjay wrote: »

will this appear on my credit history ?? It wasn't there a few months ago - no doubt because of its age - but as I'm about to apply for a mortgage I'm concerned that this alleged debt might prove a problem

Debts over 6 years old can't legally appear on your credit file as they're statute barred. So if it does appear it absolutly shouldn't have and you can take steps to get it removed. I don't think it's desperately likely they will try it though.

annaliese_2

sorry to hijack your post but like a fool i rang these people back! as soon as they answered the phone i realised what they where but thy now have my mobile number and have rang me back, i pretended they had the wrong number what can i do now? any suggestions?

HoneyMoney

I have just had a letter from this company asking for over £3k for who knows what. I didn't call them but I have just stupidly sent them an email from a hotmail account so they now know I live here. The letter does not seem right. Any debt collection letters I have ever seen have stated the origin of the debt.

Please help, I am stressed!