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Banks, credit card companies and other credit providers sometimes prefer to assign the management of their loans to Link Finanzas. 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’re 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. Please call 901 888 901 or email us at clientes@linkfinanzas.com.

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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 below details.

Telephone: 901 888 901
Email: clientes@linkfinanzas.com
Address: Link Finanzas, Calle Albasanz 16 2ª Planta, Edificio Antalia, CP 28037 Madrid

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: 901888901
Email: clientes@linkfinanzas.com

 

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.

I didn’t borrow any money from Link, 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’s the legal basis for this?

The assignment of claims is regulated in Article 1526 of the Civil Code published in the year 1889 . The assignment of the credit rights also involves all elements attached to it as are the guarantees associated with the debt.

What are the advantages for me now that Link are managing my debt?

There are many. The main thing is that a new framework for relations opens with a new lender. We are aware of the difficulties that our customers are facing, so now your debt is managed by Link , you may be able to negotiate lower rates of interest , terms of repayment and even cancellation of part of the interest. Call and talk, we can help .

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.

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 owe this 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.

What consequences will I face if there is legal action taken?

The main consequence is the rising cost of debt resulting from the costs of legal and court fees which can amount up to around 30% of the principal owed. You will also have to deal with your own legal advice and legal representation which is mandatory by law.

Now I’m a Link customer, am I on a “credit blacklist”?

There are credit bureaus that have information about your financial history . You can check your credit status through www.experian.es or www.equifax.es . Link also provides data to these bureaus.

But 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’ve repaid my debt but that’s not showing on my credit report. Why not?

The credit bureaus will remove any negative information once there has been full payment of debt.

What if I’m being advised by a debt management company?

You should ask your advisor to send us a copy of their authority to act on your behalf and a copy of your financial statement. Once we have that information, we will try to liaise with them. We treat all debts on a case by case basis, so it makes no difference to us whether an advisor is involved or not.

I can’t see a way out of my financial difficulties. What can I do?

There are two things you must do. 1. Give us a call and talk to us. 2. Get some independent, expert help. We recommend Step Change — their debt advisory service is free.

Contact us

We’re here 8.00am to 10.00pm Monday to Friday. Please have your Link Reference number to hand when you contact us and include it in any written communication.

Phone: 901 888 901

Email: clientes@linkfinanzas.com.

Address:

Calle Albasanz 16 2ª Planta

Edificio Antalia

CP 28037 Madrid

 

Complaints

If you should ever feel that we could do better, we’d like you to tell us how. Our postal address is: Calle Albasanz 16 2ª Planta, Edificio Antalia, CP 28037 Madrid, call us on 901888901, or e-mail AtencionCliente@linkfinanzas.com.

General Enquiries

For general non-customer enquiries, please contact us on 901888901 or email us at info@linkfinanzas.com.