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Delivering positive outcomes

Banks, credit card companies and other credit providers sometimes prefer to assign the management of their loans to Link Financial. That’s why you may have received a letter from us explaining that we’re now managing a debt you owed to another lender.

Everyone at Link who engages with our customers knows that every customer must be treated fairly and with respect. We will listen carefully to what you have to say and work to find a positive outcome for you. Ultimately, we’re here to solve problems, not create them.

 

 

 

If you are a new customer…

As a new customer, there are just two points to remember:

  • From now on, your repayments should be made directly to us — not your original lender
  • If you can’t keep to the arrangements we agree between us, you must let us know straight away so that we can consider a more manageable arrangement. If you have any questions about your debt, call us on +48 42 203 19 01 or email kontakt@linkfinancial.pl

 

Need help paying?

Need help paying? Need help paying?

If you’re concerned about the money you owe Link, call us on +42 203 19 01 and we’ll do our best to reach a positive outcome for you.

Have a question?

Have a question? Have a question?

If you have any questions about Link, visit our FAQs or call us on +42 203 19 01

Make a payment

We want to help

If your account is overdue, or in default, we expect you to repay all the money you owe as soon as possible. If you’re not able to do that, we may be able to arrange a regular payment plan for you.

To qualify for a payment plan, you’ll need to tell us why you’re not able to pay the entire debt straight away. We’ll want to be certain that you can keep to your payment plan taking into account your income, essential outgoings and any other financial commitments you may have. You’ll also need to agree not to take out any additional credit during the repayment period.

Please don’t ignore the problem — it’s not going to go away.

It’s important that you take action now. We want to work with you to help you get your finances back on track, as we’ve done with thousands of other people in the same situation.

If you wish to apply for a payment plan, please contact us via the details below.

  • Telephone: +48 42 203 19 01
  • Email: kontakt@linkfinancial.pl
  • Address: Link Financial S.A., 35 Targowa Street 90-043, Łódź

 

 

 

 

 

 

 

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If you are able to make a final settlement offer or increase your regular repayments

Settling your account

If you find yourself in a position where you have sufficient funds to propose a realistic final settlement figure (in the form of a lump sum) , please let us know.

Your offer will be considered based on the total amount you owe us and your individual circumstances. We’ll let you know quickly if your offer is acceptable and if it is, the rest of your debt will be written off on receipt of your payment.

Increasing your regular payments

Alternatively, if you have a payment plan with us and wish to increase the payments, please contact us directly:

Telephone: +48 42 203 19 01

Email:  kontakt@linkfinancial.pl

Address: Link Financial S.A., 35 Targowa Street 90-043, Łódź

Related links:

 

 

Related links:

Frequently asked questions

The golden rule

Nobody enjoys falling behind with their loan repayments, especially in circumstances which are outside of their control. But the golden rule to keep in mind is that the problem will not go away simply because you ignore it. Please talk to us — we want to do all we can to help.

How can I contact you?

You can contact us : By phone: +48 42 203 19 01 By email: kontakt@linkfinancial.pl Our consultants work for you every day from Monday to Friday from 8 am to 6 pm. You can send all correspondence to us at the following address: Link Financial S.A. 35 Targowa Street, 90-043 Łódź

I didn't borrow any money from Link Financial so why do I have to pay you?

Some lenders find the administration of loans and credit burdensome. So if they wish, lenders can exercise the right to pass on the debts they’re owed to another company. Which is what’s happened in your case. Link is now responsible for collecting your payments. This change is nothing to be overly concerned about — you’ll find us fair, helpful and sympathetic.

What is the legal basis for this?

I’ve mistakenly sent a payment to my original lender: is that a problem?

No — they will pass that payment on to us, but there will be a small delay in paying off, or reducing, what you owe. Please remember to make all your future payments directly to Link.

Will you be adding interest to my debt?

The majority of loan and credit accounts managed by us do not accrue interest during the collections process. ( The Notice of Assignment we sent to you will specify if your debt is accruing interest. ) Where possible, we like to negotiate the repayment of the outstanding balance with you without applying any additional costs. If however, we are unable to reach an arrangement-to-pay and the account is passed to our internal legal team, then, statutory interest will be charged up to the point of entry into judgement. A small but specific section of accounts are charged interest throughout the collections process. These are particular personal loan balances and the interest amounts applied by Link are charged at the pre-existing contractual rate and up to the maximum amount that would have been charged by the original lender had you not defaulted on the loan.

This is not my debt.

If you have ANY disagreement about the debt we are claiming from you, then please call or write to us and tell us why. The account may then be placed on hold while our specialist team investigate the matter with you and, where relevant, the original lender. We really do not want to ask for money from people who do not owe it.

Will you take legal action against me?

We do take legal action to recover debts. Firstly we always try to reach a friendly agreement. However if legal action is required then we will always notify you (or your advisor) of any action that we’re considering.

Now I'm a Link customer, am I on a credit blacklist?

Will I always have problems getting finance?

Not necessarily. Your best course of action is to keep up your payments to us and your other creditors. Doing that should improve your credit rating in due course.

I can’t pay this debt in one go. Can you help?

It’s in your and our interests for us to work together and create a plan that helps you repay what you owe. Sometimes it’s possible to set up a payment plan where you make smaller payments over a longer period of time, or no further interest charges will be added to your debt. But you must be open with us and be willing to give us full details of your finances.

I don't see how I can repay my debts. What should I do?

There are two things you must do. 1. Give us a call and talk to us. 2. Get some independent, expert help.

Contact Us

We are here Monday to Friday from 8:00 am to 6:00 pm.

When contacting us, please remember to use the case number that appears on the demand for payment you received from us.

During the verification interview, we may ask you for personal information such as your name, address and PESEL number.

Telephone: +48 42 203 19 01

Email: kontakt@linkfinancial.pl

Address:

Financial S.A.,

35 Targowa Street 90-043, Łódź

Poland

 

Complaints

If you should ever feel that we could do better, we’d like you to tell us how. Our postal address is Financial S.A., 35 Targowa Street 90-043, Łódź Poland, or email us kontakt@linkfinancial.pl

General Enquiries

For general non-customer enquiries, please contact us on  +48 42 203 19 01or email us at kontakt@linkfinancial.pl