Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Asset Link Capital Debt Collection

Asset Link Capital collect for a number of well-known companies, such as HMRC, O2, Npower and Virgin Media. They also collect council tax, parking tickets and catalogue debts. Asset Link Capital is a member of the Credit Services Association (CSA) and must abide by their strict code of conduct.

I’ve received a debt letter or call from Asset Link Capital. What should I do next?

Check the debt refers to you. If you are uncertain, contact a credit agency so that you can ascertain if any outstanding debt is showing against your name. If you require further proof, you can ask Asset Link Capital to provide proof of debt; all debt collection agencies must be able to link the debt to you.

Who does Asset Link Capital collect for?

Asset Link Capital collect for a number of well-known companies, such as HMRC, O2, Npower and Virgin Media. They also collect council tax, parking tickets and catalogue debts.

Is Asset Link Capital a legitimate debt collector?

Yes. Asset Link Capital is a member of the Credit Services Association (CSA) and must abide by their strict code of conduct. They are part of the CSA’s Collector Accreditation Initiative, ensuring their operations are fair, legal and compliant.

Should I ignore Asset Link Capital’s letters or calls?

Ignoring letters or calls will not make the company leave you alone; they are required to chase the debt. If you continue to ignore them, there is a possibility that they might take further legal action against you. You might consider accepting initial contact but after that, you should be given time to seek advice and examine your debt management options.

Can I stop Asset Link Capital from contacting me?

Asset Link Capital is entitled to contact you as they pursue any debt. However, you may request that they contact you by post for all future communications and they should follow that preference.

Is my debt to Assent Link Capital statute-barred?

This will depend; some debts are subject to time limits. According to the Limitation Act 1980, for most cases, the limit is six years in England and five years in Scotland. If you believe your debt to be statute-barred, check the limitation period but also ensure you meet all the criteria. This includes a County Court Judgement not having been filed against you and that you have not admitted, in writing, to have the debt.

Should I pay Asset Link Capital the money I owe?

While it is better to pay off debt, remember that there are options available to you. Before you pay anything, consider what might be the right solution for you.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


I can’t afford to pay Asset Link Capital. What now?

You should consider your options; you need to make sure you are taking the right course of action for your specific circumstances. You might want to consider creating a manageable payment plan or look into an Individual Voluntary Arrangement (IVA.)

What action can Asset Link Capital take?

Asset Link Capital can chase you for debt repayment but must follow CSA codes of conduct. They do have the option to send field agents to your home if you fail to pay; however, these are not bailiffs and may not enter your home uninvited. A lack of action on your part may see Asset Link Capital take further legal action against you.

Could my Asset Link Capital debts mean that I lose my home?

This is an unlikely scenario, as they would need to take a number of steps before this point would ever be reached. Most chased debts usually involve unsecured debts, so your home is not an asset to which the debt is secured.

Can I write off my Asset Link Capital debts?

This is a possibility but you should consider which the right scheme is for you. An Individual Voluntary Arrangement (IVA) consolidates existing unsecured debt into one payment.

How do I make a complaint about Asset Link Capital?

To make a complaint, you can contact them in person, by telephone, writing or email.

Take a positive step and visit Debtbuffer to explore your options. Debtbuffer not only helps write letters to buy time from creditors and assist with fair treatment, but we also have an AI chatbot that can help you to understand your debt options.

The chatbot is designed to ask you a series of questions and let you know if you are suitable for a number of possible debt solutions. This will give you a clearer understanding of how you might be able to write off the debt and get back on top of the situation. Remember to take time to consider the different options that may be available to you so that you are able to be free of financial debt and stress.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

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