Response from Debt Collector

KimmiLou22

Hi, im just after some advice 

i recently got a letter from Link Financial saying they was working on behalf of someone who was looking to recoup money from me, i have no recollection of this debt and sent them an email with the letters that i found on here

i got a response today saying they work on behalf of the company and have investigated and i owe this money, can someone let me know what is the next step please 

many thanks 

fatbelly

The next step is to ignore them.

Proof that you owe someone would come in the form of a copy of the original contract and statements showing their correspondence to you about the balance owed

You could complain to link and then refer to csa and fos but it's unlikely to get anywhere.

https://www.linkfinancial.eu/wp-content/uploads/2024/11/1291_LFO_Comp_Handling-Procedure.pdf

ManyWays

have you never dealt with the company that link have mentioned, or did you deal with them in the past (in which case how long ago) but have no reason to think you currently owe them money?

sourcrates

The reason why a complaint may be pointless is that in this instance, Link are only acting on behalf of their client, they are simply an uninterested 3rd party engaged to collect the debt and nothing more.

Their reaction to any complaint will likely be to simply return the debt to the client and wash their hands of it, you could reasonably expect the same result if you ignore them.

fatbelly

I suppose it's possible that if the FOS (or even the CSA) got enough complaints about them ignoring FCA guidance they might give them a gentle warning.

Not much incentive for the op to do this unless they have time on their hands - at this stage.

If it escalates, that view might change. Remember you must respond to a Letter before Claim - the sort that comes with a standard form and 30-day limit.