Link Financial are scaremongers, they have tried it with me so many times and failed!! Always communicate with them in writing never via telephone, as long as you are paying them what you can afford don't worry. If they pressure you to pay more than you can afford or to increase your payments just ignore them, I have, if they persist send a letter of complaint to the Office of Fair Trading (OFT). Hope this helps, I hate this company!!!!!!!!!!!!!!!!!!!!!!!!!!!