The Ultimate Guide to Asset Link Capital

Debt collectors easily get a bad lap these days. You may have to pay off the debt you owe, but some of the methods used by these companies can be very inconvenient. Thankfully, laws have changed to include more rules and regulations regarding the behaviour of debt collection agencies so debtors can actually have a better chance to pay off their debts.

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So, what happens if you get a call from a debt collection agency like Asset Link Capital and what should you do? In this guide, we’ll discuss everything about Asset Link Capital, what happens when you receive a notice from Asset Link Capital, as well as how to deal with it.

Who are Asset Link Capital

Asset Link Capital Debt Collection is a London-based debt collection company that specialise in handling cases of companies that are known for debt financing. They’re responsible for managing the credits of all Asset Link Capital Limited customers and are committed to providing excellent service to each customer.

As the collector, they collect unpaid claims from people on behalf of their company or customer. Institutions like Asset Link Capital also buy large amounts of corporate debt and business assets. This means that you’re borrowing on behalf of the original creditor.

They’re also divided into various areas, including Asset Link Capital (No. 1) which was founded in 2004, and Asset Link Capital (No. 5) which was founded later on in 2010. Also, Asset Link Capital Ltd. is part of Link Financial Outsourcing Ltd. Group, which officially opened up in Europe back in 1998.

These companies specialise in debt purchases, loans, on-call services, and money advice service. Basically, it works parallel with Asset Link Capital and they’re able to help you out with your loans and help out with matters that constitute legal advice. As they work to help you figure out how to best repay a loan, upon contact, they can discuss disputes, possible monthly repayments, and how you can better pay back their client responsible for the finance your loans.

How do I get in contact with Asset Link Capital?

Website:

https://assetlinkcapital.com/

Registered Office

The Peak, 2nd Floor, 5 Wilton Road, London, England, SW1V 1AN

If your loan was originally with Shawbrook Bank:
  • Telephone: 03330 150285
  • Email: [email protected]
  • Postal Address: Asset Link Capital (No. 7), Po Box 255, Caerphilly CF83 9FF
If your loan was originally with New Day:
  • Telephone: 02920 858788
  • Email: [email protected]
  • Postal Address: Asset Link Capital (No. 7), Po Box 107, Caerphilly CF83 9FF

Are they a legitimate company?

Yes, Asset Link Capital is a legitimate company. Asset Link Capital is a trading name of Link Financial Outsourcing Limited and they’re registered in England under company number 07059696 and is authorised and regulated by the Financial Conduct Authority, FRN 606817.

Why is Asset Link Capital Contacting Me?

Receiving letters from debt collection agencies like Asset Link Capital can be tricky, but worry not since you’re not alone. Many businesses and individuals see it the same way. After all, it’s a letter from a company you may not know asking you to pay Asset Link Capital the money you owe.

Asset Link Capital Debt Collection is a debt collection company. This means that they are raising money on behalf of other companies, so you don’t actually owe Asset Link Capital themselves. However, this doesn’t mean you can avoid paying something you’re legally required to settle. To avoid being contacted at odd times or dates, you should contact Asset Link Capital as soon as you get a letter from them so that they can confirm your debt with you. Their ability to answer questions you raised should be a pretty good indication that they’re dependable and they are who they say they are.

If you avoid their calls though, they could obtain a charging order which lets them legally visit your home and question you about the status of your loan, and that may just be the starting point. The main advantage to calling them right away is that you can settle the issue right away and you won’t be bombarded with even more notices.

What Are My Next Steps?

Financial services like Asset Link Capital focus on collecting the debts their clients are owed, no matter what the specific circumstances of the debtor are. Companies like them aim to help people settle their debts in a reasonable timeframe so they don’t incur any other unnecessary charges. They will take steps to help you solve your loan by discussing the debt with you as well as disclosing any further information that could help you out.

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So, if you’re unable to keep up with the regular payments of your debt, they can bring up the option of other monthly repayments to cover your loan and possibly improve your credit rating at the same time. Now, the law requires you to settle your debt, but since it sometimes is difficult to settle the amount within the set period given, Asset Link Capital can help you out, however, you do need to contact them and iron things out, such as your financial details and the residual value amount you need to settle, in order to get help from them.

These are some things you can do should you be contacted by Asset Link Capital like those listed here:

Don’t ignore them

  • Like most debt collection companies, Asset Link Capital Debt Collection won’t just leave you alone if you ignore their messages. They’ll exhaust every method legally possible until they reach you. So, if they contact you, be sure to run all your financial information and questions with them to make sure that the debt owed is legally yours to settle and so you know all their options.

Get back to them

  • If the debt the company is charging you with is yours, its best to settle it as soon as you can or at least discuss the details and payments with them so you know what will be expected.
  • If you do not get back to them at all, they can get a court order that can legally allow them to visit you or get a bailiff to get the debt owed from you.

Settle your debt

  • If you are financially capable to settle the loan, you will need to do that as soon as you can. There are some different methods of settling this which you can discuss with the company so you can come up with a plan that suits everyone.

What Can Asset Link Capital Do?

Asset Link Capital Can:

  • They can contact you in any way necessary in order to discuss your loan with you, however, they cannot harass you or contact you during odd times.
  • They can use legal means to obtain the loan, however, they cannot go against the rules and regulations of the Credit Services Association (CSA) and Financial Conduct Authority (FCA).
  • They can call you to try to reach you as many times as possible, unless you ask their company to stop calling.
  • They can visit you at home or any registered address if they have given you at least 7 days advance notice.

Asset Link Capital Cannot:

  • They are not allowed to discuss your debt with any family member or your employer, nor are they permitted to call you at work, during work hours, or at unreasonable times.
  • As one of the customers, the company can visit the customers home but they cannot go inside and they cannot stay if they’re asked to leave.
  • If you’ve asked them to only contact you by mail, they’re not allowed to contact you in any other way.
  • They can’t take payments themselves unless they have your permission or a court order stating they can.
  • If you’re struggling with finances, they are not allowed to pressure you into loaning more money to pay off the debt

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