Hi I've just posted some stuff to a thread called "a bit of a shock" on MoneySavingExpert, which may help. Link Financial are a different company from Asset Link Capital (no 1) Ltd, but they are co-located in Caerphilly. LF is the processing arm for ALC. GE took over First National after FN had sold a load of problem debts to ALC, mine included. Technically, GE/FN and ALC are separate legal entities but ALC sent me a fax from an FN fax machine! So there is more to this than meets the eye. I suspect that the accounts are still being operated by GE/FN on ALC's behalf, as computer generated letters from both use exactly the same layout and typeface. Does anyon know more info? regards Mark