PO Box 107, Caerphilly CF83 3GG — Who Is It?

Have you received a letter from PO Box 107, Caerphilly CF83 3GG? This address is commonly associated with Link Financial, a debt collection company.

We know this can be concerning, but you’ve come to the right place for advice. Every month, over 170,000 people visit this site seeking guidance on similar matters.

In this guide, we’ll address:

• Who Link Financial is and why they’re contacting you
• Whether you should pay or ignore them
• What to do if you can’t afford to pay the debt
• Debt solutions that may help you

Dealing with debt collectors can be intimidating, as research shows that nearly half of the people chased by them have experienced harassment or aggression.¹

Some of us have been there too. With our experience, we’ll help you understand your options.

Let’s dive in!

Who’s Contacting You From PO Box 107, Caerphilly CF83 3GG?

If you’ve received letters from PO Box 107 in Caerphilly CF83 3GG, chances are they’re from Link Financial.

Now, you might be thinking “But, I haven’t borrowed any money from Link Financial”.

Don’t worry. Link Financial is a debt collection company responsible for recovering debts on behalf of various clients.

This is quite common, as debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1! ²

Keep in mind that Link Financial letters should specify whom they’re collecting the debt for.

Typical Debt Collection Process

During the initial phase of the debt collection process, companies such as Link Financial typically initiate contact through letters or phone calls.

To provide a clearer overview of the debt collection timeline, we’ve compiled a quick table detailing the key actions involved.

Debt collectors are very persistent; they won’t stop until you pay. That’s why we always recommend responding to their letters — even just to question the debt’s validity.

Remember that if you ignore their letters, they can take legal action against you and file a County Court Judgment (CCJ), which can negatively impact your credit rating.

What If You Don’t Recognise the Debt?

When you get letters about debts you don’t recognise, it’s tempting to just toss them aside. But trust us, ignoring them isn’t the smart move. In fact, it can lead to serious consequences.

So, what should you do if you don’t recognise the debt?

First off, if the letter isn’t even addressed to you – maybe it’s for someone who doesn’t live at your place – we find it best to return it to the sender.

Simply write down a quick “not known at this address” on the envelope. That usually does the trick to get Link Financial off your back.

If they keep contacting you for a debt that is not yours, feel free to use our letter template to ask them to stop.

However, if the letter has your name on it, you should verify the legitimacy of the debt. You are entitled to evidence of what you allegedly owe.

If Link Financial fails to provide this documentation, you’re under no obligation to pay.

Link Financial Has Proved the Debt — What Now?

If Link Financial has provided proof of the debt, ideally, you should clear it. But let’s be real here – many people struggle with bills and expenses.

If you find yourself in that situation, don’t worry. From what we’ve seen, Link Financial is often willing to arrange a payment plan that fits your budget.

When discussing your situation with them, expect questions about your income, essential expenses, and other financial commitments you have. Sharing this information helps them tailor a plan that won’t leave you in financial turmoil.

Remember, it’s perfectly okay to ask for help when money matters get tough.

Debt Solutions That May Help You

We know it’s not easy to make a choice when it comes to handling debts; some of us have been in your shoes.

But don’t worry, there are different debt solutions that may help you, such as:

• Debt Relief Order (DRO): available to people with debts and little monthly disposable income. It prevents all creditors from contacting you for a whole year.
• Debt Management Plan (DMP): Its main purpose is to agree on affordable repayment plans with creditors with the hope of reducing or freezing interest as part of the process.
• Individual Voluntary Arrangement (IVA): It commits the debtor to pay one single monthly repayment which is then split proportionally among their creditors. The IVA lasts for a fixed period of time and any remaining debt can be wiped after this period.

There are other solutions available that may also help you manage your debts.

So, we recommend contacting a debt charity for free advice. Their advisors will be able to look at your situation in detail and give you a plan moving forward.

Thousands have already tackled their debt

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How to Complain About Link Financial

If Link Financial is constantly calling you, using abusive language, or not following the Financial Conduct Authority’s (FCA) guidelines, you can file a complaint.

We recommend complaining directly to Link Financial, as this can sometimes lead to a quicker resolution.

However, if you feel uncomfortable contacting Link Financial directly, or if they have been unresponsive, you can take your secondary complaint to the Financial Ombudsman Service (FOS).

Standing up for your rights is crucial. While the debt collection process might feel intimidating, it’s crucial to remember that you have legal protection in place to prevent harassment and ensure fair treatment.

References

1. Indebted Debt Collection Survey
2. Jubilee Debt Campaign