Quick query , sent cca request to Link , got a reply saying they don't always hold this documentation and have requested a copy of the agreement from MBNA and to be advised can take up to 30 days so can they bypass the 12+2 rule in this way? Also MBNA sent me a default notice in May then received another this month for same account also exact same letter , then another letter saying latest one sent out by mistake , have they done anything wrong here? Any advice appreciated , thanks.

I've recieved a letter from Link Financial Outsourcing Limited (hereafter LFO) who now state that 'Link Financial' own an alleged debt from MBNA from 2006 for £5900.00 and that LFO have been instructed to attempt collection. My research this far has suggested that LFO seem to collect on debts which are pretty much uncollectable and without paperwork. Would this seem a fair analysis? I'm just going to wait for something more concrete before responding as I think this is just a stab in the dark for them,

I sent a CCA and was given a recon with no name; no address; no T&C's; no interest rate - nothing. I challenged it and this is the response - verbatim - which I received this afternoon - any help would be appreciated cos I am fuming! Also - thier figures do not add up - they say we owe them 1,800 but when I went through the statement they sent me they had missed off TWO years of payments at least! We actually owe them just over 1k. letter from them - "Further to my letter f 1 November 2012. I have now investigated your complaint fully and in line with our Complaints Proceedure. I am in a position to provide you with a final response. Our investigation has highlighted that we do not uphold your complaint. To enable you to understand the reasons for this decision, I would like to take you through the facts of the investigations and share the conclusions with you. Our Investigation On the 24 October 2012 we responded to your request for a copy of your loan agreement. In compliance with your request pursuant to Section 77 of the CCA we enclosed a reconstituted copy of the executed Credit Agreement and a statement of account. In accordance with the Consumer Credit Act 1974 it is acceptable to supply you with a reconstituted copy as the creditor or owner may not have preserved a copy of the executed agreement. The requirement allows us not to provide an exact copy, a carbon photocopy or microfiche copy and we can therefore provide a reconstituted copy. Our Findings We are confident that all our agreements are properly executed and not open to challenge. Even if, which is denied, the agreement is improperly executed then all requisite Schedule 6 information is included sufficient to allow the court to permit enforcement. You must take whatever action you conside necessary, however, we will not be releasing you from any obligation. Furthermore, a request made under section 77 of the Consumer Credit Act is not a provision to remove liability and if you believe that the above agreement was not entered into by you and therefore believe fraud to have take place, you should report this to your local police station. The current balance is £1813.43 which remains outstanding. If however you are experiencing financial difficulties please contact our office so that we may discuss mutually agreed repayment proposals. Please note that, under the terms of our Complaints Proceedure, this is our final response. If you are dissatisfied with it, you may refer your complaint to the Financial Ombudsman Service. You need to do this within 6 months from the date of this letter. For more information please read the enclosed guide 'Your Complaint and the Ombudsman'. The address of the Financial Ombudsman Service is: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E12 9SR I also enclose a copy of our internal Compliants Proceedure for your information. Once again, we are sorry for the inconvenience we caused you and hope you will find that the points above offer a fair resolution.

I hope someone can help. Mbna sold my husbands debt to Link Financial Outsourcing. They brought the debt after MBNA had sent a default notice after missing payments . The last payment to mbna was in may 2012. Link recently called asking to discuss account as it is in my husbands name (as took me off account about a year ago ) my husband sent an email saying that he gave me full authorisation to dicuss account with them. When they called me back on my mobile they asked for the full amount of £4***. I explained that we didnt have that kind of money so he promptly said we will accept £3***. I then said i cannot get that amount either so what happens. The advisor then said how much could i pay and i told him i could pay £600 then arrange for a montly payment to them by direct debit if thats what they wanted. He said because mbna had served a default noticed and payments were missed couldn't accept our offer The advisor then came back and said that he would need to know what our income and outgoings were. He called me back the next day and i told him what our earnings were and mortage ,other loans etc were. He also asked what our mortage was and what was outstanding and how much house was worth, t hey couldnt accept that and should over the weekend try and get the money either from friends or maybe ask our mortage company. We have no way of getting the extra money only £600. I explained to him that we just want to pay the £600 then a monthly payment as do no want any court action! The advisor said he would call back after the weekend to see what i could get he called my mobile yesterday but i ignored it as i do not know what to do . Can anyone help or has anuyone been in the same stituation

Hi all I am new to this forum, so I apologise if this is in the wrong place. I am after some help/advice if anyone can please help me. Back ground to my problem In 2005 I joined a debt Mangement company to help with my debts as I was struggling to pay them, this was quickly sorted out and I was paying £400 to 5 companies I owed money too. 2 credit cards, 2 unsecured loans and a store card. No further problems with this and I continued to pay till 2009. In 2009, a rather bad run of luck left me in a financial mess, firstly my long term partner left me (out of the blue), then 4 weeks later I lost my job, then a few weeks later I found out I was pregnant. In May 2009, I packed up all my belongings and went back to my Parents, and I never paid to these debts again from this point. I never intended to ignore them long term but it was the least of my worries at the time. Up until week, I have not heard from any of them, but last week taken completely off guard, I received a call from Link Financial who conned me into confirming my identity. (they told me they had some mail for me and could I confirm my name and previous address, which I did, stupid maybe?) I received a letter from them a few days later, I knew who it was from, as I checked the return address on the envelope, so I sent it back, as "not known at this address". Silly thing to do but I guess it was panic. I have re-built my life from the mess I was in in 2009, and now have a part time job working 16 hours a week, I am not financially well off and struggle to pay my bills but I get by. I cant see a way that I can pay much more than a few pounds to re pay this debt, and I have no savings to even consider bankcrupcy. Please help, what is my best action to take here??? Also, I will add its only Link financial that are in contact with me for 1 credit card. Many thanks in advance

im looking for some advice. mbna have sold my debt to link financial outsourcing (had the letter) i have also received a phone call to say they want full payment (its £10,000.00) they were asking me allsorts of questions regarding income total debts who i owe what i pay nothing about household bills and stuff just towards debts. i said i didnt know off hand and could he call back, well he'll be phoning tomorrow, reading some of the threads i can see that i can say i dont want to speak to them but can i have everything in writing, but i see that my next port of call is to ask them for a copy of a CCA or something could somebody tell me what exactly this is and how i can put it together is it a longwinded thing thing or a simple request? thanks nigel

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

Hi from a newbie! I having been paying my 1991-94 student loans back from 2002 when I had CCJ against me. I had failed to inform of a new address and it got sent to court. Since then I have been paying back £5 a month due to to a low income. A few years ago I noticed I had been sold over to Link who have been charging me monthly interest - double my payment fee. (10 years of payment for nothing!) I am still on a v. low income and they now want to me to pay more. Since reading up on them I realise I dont want to pay anymore. What are my options? - Do the loans become void after 25 years? - Can I ignore them (I'm not going to talk on the phone again for sure now!) - Is a 2002 CCJ enforcable if I stop paying the £5/month (which I have now) with thanks

Hi all, I'm new to the CAG and also forums in general, so please bear with me! I've been finding a lot of useful information over numerous threads, but was wondering if anyone could offer any case specific advice. In early 2011 I fell into arrears on an MBNA credit card after they increased interest rates, meaning that the minimum monthly payment nearly doubled. Due to personal circumstances I was unable to meet the new monthly payments and continued to pay £75 per month, as previously. However, I contacted MBNA and provided them with details of my income and expenditures. They agreed a reduced payment plan with me of £35 per month, which I paid faithfully. In April 2012, I received a letter on IDR Finance headed paper, advising that they were giving notice that the debt to MBNA had been assigned to Link Financial Outsourcing Limited on 29 March 2012 and that on the same date, Link had assigned the benefit of the debt to IDR Financ UK Limited. The letter states that as a result of the assignment the debt was now owed to IDR and Link were acting as servicer for the debt. The letter advises that any payments should be made to Link at the PO Box shown above (no PO Box details were actually given) and that no further payments should be made to MBNA. I was therefore left with no choice but to contact them by telephone. I spoke with one of their 'advisors' and said that I wanted their bank details so that I could continue to make the £35 a month payments, as had been agreed with MBNA. I was told that they were not prepared to accept such a payment and they were seeking recovery of the full amount. I told him I was not in a position to pay the full amount, otherwise I would have cleared the debt directly with MBNA. He then went on to suggest that I take out a loan to pay the amount, or perhaps sell my house. I was disgusted with the careless and frankly irresponsible 'advice' he was giving and told him I would only be in a position to pay on a reduced payment plan. He said he would knock 20% off the debt then and there and I repeated that I still was not in a position to pay. He said he would put a hold on the account for 7 days and asked me to ring him back to discuss my 'circumstances'. I researched Link and decided it would be prudent to only communicate with them via written correspondence. I therefore wrote to them on 25 May, making an ex gratia offer and also advising that I would only be prepared to deal with the matter via written correspondece. I also advised that my partner had been ill health retired and that I was due to go on maternity leave in August, which would mean a further reduction in income. I have therefore been engaged in written negotiations with them, with offers on both sides being made for settlement sums. I continued to receive telephone calls to both my mobile and work number from the advisor I orignally spoke to. I eventually had to write a letter of complaint as despite written requests on 3 different occasions for the phone calls to cease, he then rang through to main reception number at my place of work, which my boss was not best pleased with. The phone calls finally stopped. They made a counter offer in writing in early August and before I had time to respond, I received an lba from them at the end of August. I immediately wrote to them advising that I thought the LBA was unnecessary and also it advised they were seeking payment of the full amount, yet they had already told me they would accept a reduced amount. I advised them that I am due to give birth in the next couple of weeks (now within a matter of days) and that I have also been made redundant, so I made a final ex gratia offer and said if they were unable to accept that, I would only be able to pay them £10 a month at the moment, which would begin to pay in October if I heard nothing further from them. I have now received court papers from Northampton county court and IDR Finance have issued against me for the full amount, plus the issue fee and interest. My question is, if we were in the middle of written negotiations, how can they suddenly decide to issue proceedings for the full amount? This is a blatant waste of the Court's time and incurs unecessary costs. Is my best course of action to defend the claim in full? Any help / advice is much appreciated. As with everyone else experiencing the ups and downs of life and struggling with debt, this is one thing I could do without at the moment!

Hello, I really hope you can help me. I am a single woman and have recently found myself in quite severe financial trouble. I have a debt of £2300 with Lowells (Black Horse Finance - 2007) and £2950 with Link Financial (Barclaycard - 2001). I had an arrange with both of them, paying £50 PCM. I am not currently in a position to pay this and I am scared of what will happen next. I don't understand how the law sees this situation. They phone quite regularly. I have read here that I don't have to answer their calls. Is that true? I don't know if I have PPI. Thank you for reading this.

Hi to all. For the past year I've been making minimum payments of £1pm to Link Financial for a Barclay's bank cc card which is reviewed every 6 months. I've sent them a budget set up online with CCCS which they ignore. They called me today to go through my income/expenditure and now want a copy of my benefit letter. Do I need to send this to them? If I don't what could happen?

Hi, I received a mobile phone call out of the blue last Wednesday asking if I was me and giving very old addresses as contacts. After asking some questions they said they had bought my student loan debt and demanding payment of several thousand pounds. I was told I had 21 days to pay them - with no option of a payment plan or anything. When I questioned why I had not heard from the Student Loan Company for about ten years and now was getting a phone call out of the blue they advised they had only just managed to track me down. They offered very little information about who they were other than basic information. They did not even offer there company name. I seem to remember they asked me for my address to send a letter to and looking back I don't believe that had my address. They also advised that contacting the student loans company would not achieve anything and they would transfer me straight back to them. I did take out a student loan back in 95-97 and due to the amount I was earning after I graduated, I deferred it for a couple of years. Around 1999-2000 I did not receive my deferral letter and over a period of 6 months went backwards and forwards with the SLC to try and get them to send me a deferral form. I provided them with an alternative contact of my parents address during this time but nothing seemed to work so I gave up and stopped contacting them. I received no further contact either via phone or post and neither did my parents. I have been at my current address for seven years and have never been contacted by anyone about the Student Loan until last week. In a stress I called the SLC the next morning who confirmed they had sold my debt on, confirming the amount and that I owned no more than I was told on the phone. Today I have received a notice of debt collection services letter from Link Financial Outsourcing but it is single page of A4 with some references but no paperwork or evidence to back it up. Unfortunately I also have no paperwork as it has been lost in a number of house moves and having had no contact for so many years. Having read some of the threads on your forum I think this debt might be statue barred - do you think I have a case and what do you advise I do next? I'm sorry this post is so long and thank you in advance for any help and advice you can give.

I am trying to help out a pensioner sort her debts out. She doesn't have access to internet etc so I am the middle man, this is the first of half a dozen+ debts lol. This is a copy of her agreement via a CCA request. Any advice on the agreement would be great. It was for a credit card taken out in 1998. There are some copied onto the back of the agreement. They also sent some other terms and conditions but nothing that is showing a direct link to the above agreement. I can scan up if required though. Link Financial Outsourcing bought the debt in 2001. Payments have been made a few months ago. All help appreciated AS pdf in post #3

Hi everybody , i am new to this forum and was looking for help with my problem with link finance . It all started back in 1996 with my wife and i purchasing new double glazing from local company and finance through first national bank the installation was thwart with problems from windows that would not shut correctly or lock, cracked sill and front door letting in water when it rained. We complained numerous times to company and first national with promises of all faults to be rectified believe me this was a a real joke. First national sent guy out with clip board had a look at all problems and agreed about the faults and said will have company back the same week to rectify, this also did not happen at this point payments were still being made to first national. This continued for about another 3 months with nothing being resolved so wrote to first stating that if repairs are not done within 4 weeks then i will withhold payment so i did , and this continued for about a year and then first sent a surveyor who wrote a longer list of faults than i had, great i thought solution at last...wrong. First national took me to court for default £3000 then after a while passed it to Link to cut a long story short Link added over £3000 interest in 2004 but court order states any interest must be added within 5 years of order not 7 years and now put our balance at over £5000 but we did have it corrected by link but they have now sent further statement reverting our balance back to over £5000 so please can anybody help with advice we are tearing our hair out and sorry for long story, please note balance had being changing with payments made...Thanks

Hi, I was chased by a company called Link Financial last year for a debt I owe. The debt was an old bank account overdraft that was withdrawn unexpectedley when the banks got jittery in 2006. I ended up getting a default on my credit profile and it is due to expire in November this year. Up until last year I did nothing with the debt until it came to a DCA called Link Financial. I decided then to start getting rid of it and told Link I would pay £30 p/m via standing order and not one of their direct debits. I've paid this without fail for the past 12 months. Link Financial have called me a couple of weeks back to make me an offer to settle the debt at a lower level in one payment. I said as much as I would like to I could not afford it at that time. They then asked me to answer some questions about my financial status, this got my back up and I said I did not want to do that ... at this point this company's representative got quite nasty on the phone and I sensed she was trying to wind me up which I did not fall into. They have now sent me a form to fill with my financial circumstances which I have not yet filled and really do not want to. Do they have any legal standing to request this info given the fact I agreed to pay £30 p/m a year ago and have continued to do so. Are they just getting jittery knowing the debt is exempt come November. Can I keep refusing to give this info without breaking any law? I want to pay ths debt off but I am not doing it by being bullied or what is starting to appear as harrasment by phone. I would be gratefull for any advice. Many Thanks

Hi I am hoping someone can help me. I received a call yesterday from an unknown number on my mobile phone which left no voicemail. This morning they have called again and I managed to get there in time then I answered my phone, they referred to me by my Christian name and then confirmed my Surname, but, they would not respond to me as to who they were and why they were contacting me until I had confirmed my details. The reason they are contacting me was due to an outstanding debt to Student Loan. This i had, many moons ago, gone through to CCJ on my credit rating and as far as I was aware this was paid off as a standing order that was on my account and when I calculated the date to end on I stopped payment and heard no more. The CCJ is no longer on my Experian record so now I cannot confirm details of reference numbers, balance or anything. Link Financial asked me to confirm my address and are telling me I owe £2,350 and I have 21 days to pay this or someone will arrive at the door of my home to collect. I am in employment but do not have that kind of money that I could pay this, but I dont think I owe this money. When I disputed that I owed it they asked how much I thought I did owe. They went on to state they would not accept payments if I am deemed liable (at this precise moment in time I am working away from home but doubt in the eons of time I have any documentation regarding this at all so may have to accept by default as I fear I cannot prove otherwise). The original Student Loan was from 1994 (I graduated in 1998) and I believe the court judgement was dated 2004. This went to court as I went through an acrimonious divorce, moved home and papers were not forwarded to me by my ex partner and payments were not made due to personal circumstances at the time. I have now given my current address to Link, who infomed me they will send paperwork, but what paperwork I have no concept of, and they stated they will ring me again in two weeks. Please help as I dont know where to start to prove this has been paid.

Ive been getting mail from Link Financial Outsourcing regarding an old student loan. I was deferring the payment as I was unemployed at the time then about 6 years ago I forgot to defer the payment and was asked to pay about 6 months worth of repayments, I told them I was unemployed and I didnt have it but they didnt care so I broke off contact completely with them. It looks like they have sold the debt to Link Outsourcing, my question is this, should I contact them and ask for the original credit agreement and use the statute of limitations defence or should I ignore it? Im not sure if its been over 6 years since I last contacted the student loans company (but I think its been over 6 years) If I contact them and its been under 6 years the debt becomes "live" again as I understand it. Any information would be gratefully received.

Hey everyone I'm new to this site, I just had a 4k debt letter land at an old address this debt is from july 2007 and I'm out of work.. . I have emailed link asking them for all information (apparently they have taken the debt from another company, it's all confusing and I emailed the following message I just received a letter about a debt from a few years ago, and well I need two things first thing is all information you have regarding this debt because I can't remember anything about it at all, and it would be nice to have the same information as you. the second thing is i'm unemployed and that's an awful lot of money so your asking me to pay an outstanding balance of over 4 grand when I don't know what for and even if I do/did know I'm still out of work so, your requests for immediate payment from a letter out of the blue … that can't happen I'm happy to look into things and try and work things out, once I have all the facts in front of me, you noted that LINK is the current owner of a debt with MBNA I guess I would like … well as I said I'd like all information regarding the debt you have acquired from MBNA and also any terms and conditions I should be aware of as you are the new owner ? once I have digested this information, and possibly had some consultation, we can move forward. Thank you I have seen refrence to documentation in your library here .. but I'm a new user and can't access those documents does anyone have any advice/direction ? eurgh, I have been out of work for a while now .. talk about kick while your down eh!

Hi All, Can anyone advise me on what to expect initially from Link Financial ...I am still waiting for a letter from them after my MBNA CC debt was assigned to them. MBNA wrote to me on 8th August informing me they were no longer dealing with my account and I would hear from Link in due course.. .will they go straight to serving court papers for a CCJ or will they start with just a letter(s) demanding payment. I lost my job in January and could no longer pay anything. .wrote to MBNA informing them and heard nothing until end of march. I offered £1 per month and they wrote back asking me to fill in an income and expenditure. At first I refused and after a second letter I filled one in but heard nothing back. There is no PPI on the account and the balance is just shy of £6,700. Any advise would be great. I have read bad things about Link and want to just be prepared. I am happy to pay something but I want to arm myself with as much info as I can. Thanks all in advance.

hi i'm looking for some information regarding a letter i received from link. the letter says i owe £5000 referring to a repossessed van in 2010 which was originally take out with santander , they now say the debt is with them and i should pay them in full within 15 days. please could someone advise what my next step should be as i didn't take this debt out with link originally so dont feel i should start paying them now.

hi all, i defaulted the credit card account with MBNA august 2011 due to financial difficulties, mbna has increased the interest rate form 15.9% to 35%, at some point my minimum payment was less than the finance charges then double my minimum payment so i stopped paying them informing them of my situation. The account was sold to LINK FINANCIAL. i received a county court claim from LINK FINACIAL PARTICULAR OF CLAIM: The claimant claims the whole of the outstanding balance due and payableunder an agreement referenced xxxxx and opened effective from 19/xx/2005. The agreement is regulated by the CCA 1974, was signed by the defendant and from which the credit was extended to the deendant. The deendent failed to make payment as required and by 19/02/2012 a default was recorded. As at 27/04/2012 the defendant owed MBNA europe bank ltdthe sum of 6xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to the claimant effective from 27/04/2012 and made regular upon the claimant serving a notice of assignment upon the defendant shortly thereafter. And the claimant claims : - 6xxx.xx . I nterest pursuant to section 69 county court act (1984) at a rate of 8% per annum from 27/04/2012 to 07/08/2012 of 130.56 and thereafter at a dily rate of 1.36 to date of judgement or sooner payment. date 07/08/2012. CCA request to LINK : Agreement they sent is illegible signed by me. stamp dated a day earlier than the Particular Of Claim ABOVE. A signature in middle by Someone from MBNA. A PPI bOX in the agreement ticked : I wish to purchase the payment protection cover I understand i am puchasing the product ticked above and the terms related to the the product can be found at paragraph 1-16 of the agreement. No paragraph 1-16 exist in the agreement T&C. I believe it does fall on MULTIPLE AGREEMENT? Constant phone calls from LINKS followed. I wrote to them a letter putting the account in Dispute stressing that the amount in the claim is inaccurate due to unlawful charges and PPI and while i am claiming them back from MBNA and with the advice of CCCS i offer you a monthly payment of £45.00 as per my I&E. The response i got back by letter dated 24 july from LINK was: LINK FINANCIAL was not present at the inception of the loan and therefore did not provide any PPI on the account. nothing about my monthly payment offer. Next thing is the County Court Claim on 7/8/2012. I acknowleged the claim and am defending the whole claim and sent A cpr31.14 to link financial. MY ppi claim with MBNA has been upheld. MIS-SOLD PPI due to self employment. I believe that LINK has been unreasonable and they are breaching every OFT Regulations pre-action protocol included. Please any input and help will be be appreciated to formulate a defence.

Hi all, After some problems with debt I managed to remortgage in order to try and pay off my debts. MBNA had already sent me a letter saying they would consider an offer to settle the debt. (6k) last week in response I sent offers to all of my creditors for full and final settlement. Now two days later I have received a letter from MBNA saying they have decided to sell my debt to Link Financial Outsourcing and I will hear from them in due course No mention was made of the letter I had sent to them by recorded delivery 2 days previously I assume this new company would be delighted with any offer?

Hi All, This is my story I hope you can help. I signed for an MBNA credit card 6 years ago with a £6000 credit limit and 0% interest - this quickly changed and they increased the limit to £7600 and they kept increasing the interest rate beyond my means. I lost my job which put the repayments beyond my reach. I tried to sort this however i defaulted on the debt at the end of last year. I wrote to MBNA explaining my situation and thought they would give me sometime to sort my fiancial situation. I thought wrong! In March this year i was contacted by Link Financial Outsourcing acting on behalf of IDR Finance UK Ltd. This company was demanding the full amount owed (Nearly £9000). The phone calls became more threating and I advised them I didn't have the money and I would only communicate with the by means of letters. I wrote to them at the end of March with the template on this website asking for a copy of the signed agreement. They failed to deliver the signed agreement until the end of May. I wrote to Link and put the account in dispute on the grounds that I was not satisfied that they where the legal holders of the account and I stated that i would write to them again when I had received confirmation from MBNA. I received another letter back from Link at the start of July with a lot of legal jargon which said they didn't have to prove themselves any further. I chose to ignore this as I had no word back from MBNA as to their position on the title of the debt. Link have been phoning my home number and leaving messages which I have ignored because I told them I would on communicate by writting with them. However, I got a message yesterday to say I had to reply within 3 Days which I am quite worried about. I was going to wite to them again maintaining my "In Dispute" stance and write to MBNA asking again what their postion is. Can anyone help. Many Thanks in advance. I live in Scotland if that makes any difference.

Hi , I received a letter from MBNA saying they had sold my cc debt to Link couldnot pay it so buried my head in the sand and ignored it. Link to took me to court and I filled in the court papers and admitted the claim including £1400 of their costs posted it back to them. it then occurred to me that i had ppi on the card so put in a claim sent for the agreement and i had not asked for PPi they been charging it since 2002 on £4200 balance only paid the minimum payment each month I rang link asked them if they gone for judgment they said that they were in the process i explained about the ppi and they said that they would not go for judgment and would wait. They didn’t and went for judgment. Today i received 3 letters 2 from MBNA upholding my complaint on ppi on the card and another upholding my complaint on 2 loans 1 for £15000, and 1 for£9800 (loan value not PPI) they say it will take 12 weeks for the card and 8 for the loans. And another from link saying my debt has been transferredto Cardiff for enforcement. Looks like i am going to be dealing with bailiffs for money I don’t owepresuming that the PPI will cover the card?( they havent told me how much justthat they agree my claim) Can anyone tell me will the PPI be enough to pay them £5600? What should I do regarding court?

This briefing summarises the consultation paper by section, and provides some initial analysis and comment. The LGA will make its further analysis available to member authorities to assist with the preparation of consultation responses. These are due with DCLG by 24 September 2012. http://www.local.gov.uk/web/guest/briefings-and-responses/-/journal_content/56/10171/3651530/ARTICLE-TEMPLATE