Can I ignore debt collection agency?
Link Financial is a legitimate, FCA-authorised debt purchasing company that operates by buying old debt portfolios from various lenders and banks. Because they are a regulated entity, ignoring them is generally not a recommended strategy. If you receive unexpected communication from them regarding a debt you do not recognise, you have a legal right to challenge it and demand proof of the debt. You should verify that the communication is official by checking the firm’s details—such as their FCA registration number (FRN 606817) and legal company number (07059696)—before providing any information or making payments. Do not rely on contact details, such as phone numbers or web links, provided in unsolicited messages; instead, use official contact routes to ensure you are dealing with the actual firm and not an impersonator.
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