Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I sent these idiots an SAR on the 25th January. I received a letter from them today (2 months later) saying that they need some ID and that the postal order I sent them had to be made to Goldfish and not just left blank at the top.
How the hell has this taken 2 months to tell me!!!!!!!!!!!!!!
Surely the 40 day limit is to enable you to thrash these issues out within the time limit. I sorted the id situation out in one phonecall today and they told me that Goldfish now have a further 40 days. I THINK NOT!!!!
What can I do now as I don't want to wait another 40 days.
I am also seriously considring making a tonne of requests under the freedom of information act to bog them down (just for p*****g me off). Just things like how many SAR's they have dealt with in the last year and whatever else I can think of,
How frustrating! It may be worth writing a formal complaint to them. Try perhaps a 28 day deadline or if not you will report them to outside agencies such as the Information Commissioner.
Just an idea, see what others think.
I'm midway through the tunnel, but getting closer to the light.
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Well I have had a look around and found most of my statements. I will still pursue the S.A.R but I have fired off a prelim based on the statements I have with some arguments from Steven4064 with regards to charges more than 6 years old. Can I add any new charges from statements i receive to this when they arrive,
Yes, you can keep on addign to the claim until you filein court. After that it starts costing money to change it.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
well no great shocks in that they failed to reply to the prelim' and so far have failed to reply to the lba. I am going to file at court next Friday but I don't expect them to reply,
They will have to reply once you file in court. I predict they will acknowledge and say they intend to defend the entire claim and then, within 2 weeks, you will get a full offer.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
My credit card was with morgan stanley. on the POC would i put morgan stanley or goldfish. all the responses have been from goldfish and i don't even think morgan stanley issue credit cards any more. I'm going to file in court over the next couple of days so a swift response would be great,
If all the charges were put on by MS, then name MS. If some were by GF, then name both.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
btw i am having major issues figuring out who on earth i sue for my morgan stanley card. I have decided on goldfish as it was them that replied to my S.A.R (although they have chosen to ignore all further correspondance). What happens if i'm wrong and they say it should be Barclays?
Fees to be taken
Column 1
Number and description of fee Column 2
Amount of fee
1 Starting proceedings (High Court and county court)
1.1 On starting proceedings (including proceedings issued after permission to issue is granted but excluding Claim Production Centre cases brought by Centre users or cases brought by Money Claim OnLine users) to recover a sum of money where the sum claimed—
(a) does not exceed £300; £30
(b) exceeds £300 but does not exceed £500; £45
(c) exceeds £500 but does not exceed £1,000; £65
(d) exceeds £1,000 but does not exceed £1,500; £75
(e) exceeds £1,500 but does not exceed £3,000; £85
(f) exceeds £3,000 but does not exceed £5,000; £108
(g) exceeds £5,000 but does not exceed £15,000; £225
(h) exceeds £15,000 but does not exceed £50,000; £360
That's what it say's
Must be right
Regards.
Scott.
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The court service did adjust the cost of filing claims a while back. A list of the charges are on the HMCS website if your unsure.
Also the vast majority of Goldfish accounts transfered to Morgan Stanley a while back. Before putting in a court claim, i would call someone at Goldfish or Morgan Stanley to see who is responsible. I believe you should go for Morgan Stanley, they now own the brand. I believe Goldfish was just a brand name.
If you get this wrong your claim could be thrown out, and you will lose your fee. Hope this helps.
Well I phoned morgan stanley today and it goes straight through to goldfish. They state that it would be 'goldfish card services ltd' despite the fact they are owned by Barclays.
That goes in the post tomorrow the. Can I just clarify that I put three copies of everything in the envelope?
Woodwa5 v Goldfish ***WON***
on the 25th January. I received a letter from them today (2 months later) saying that they need some ID and that the postal order I sent them had to be made to Goldfish and not just left blank at the top.
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Originally Posted by woodwa5
