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Any info greatly appreciated on Goldfish CC, please.**REFUNDED**
Hi,
Found this fantastic site via Google. I've read loads of threads / pages over the past few nights but was still wondering if anybody could help with basic info (apologies if it's staring me in the face.)
I've had a CC with (originally) Goldfish (now Barclaycard) since the late 90's. I was laid off last November and I've asked them repeatedly if they could help with / freeze the interest payments till I'm financially back on my feet / in work. They haven't, and the interest is crippling. I'm making basic monthly re-payments so it's going nowhere.
I'm completely knew to CCA requests or full & final payment letters etc etc....so first up, is it worth sending them a CCA? I'm in Scotland.
Re: Any info greatly appreciated on Goldfish CC, please.
Hi BL,
You didn't answer Scott's Q about whether you've been charged penalties on the a/c.
If you have, you should set about reclaiming them. Read Link No1 in my signature below. If you don't have the last 6 years statements, send BC a SAR with £10.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Re: Any info greatly appreciated on Goldfish CC, please.
Hi Slick.
Yeah, there are late payment fees over the past decade on the Goldfish Credit Card. Have I read you right: I can successfully claim them back? if so, how?
I've also received a letter from Mercers.
Shall I make a payment to Barclaycard Goldfish direct whilst I'm waiting on the CCA reply?
If BC have not replied to your CCA request within 14 days, you can stop paying on the a/c. If a pay't is due before then, you should make at least the minimum pay't.
Send Mercers a letter saying you've sent a CCA request to BC and M's should therefore hold any collection action.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
the cupboard under the stairs for five days a week.
Posts
1,757
Re: Any info greatly appreciated on Goldfish CC, please.
Hiya,
If your original Goldfish card was with HFC which was then transfered to Morgan Stanley and Goldfish bank then I believe you may be in the same position as me.
Barclaycard took mine over last year and completely ignored the arrangements I had in place and I've had to fight to reclaim interest and keep the arranged payments. Now the review time is due they've started slapping on the interest and getting stroppy.
I don't hold out much hope of seeing a CA because I also had a marbles account with HFC which was assigned to Phoenix recoveries last year and they still haven't produced even a T&C! My N244 is in with the judge as I type
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
Re: Any info greatly appreciated on Goldfish CC, please.
Hi all.
Thanks for the replies and suggestions. I've made the minimum payment.
Here's the (bog standard?) reply from Barclaycard. 2 pager which ends... ''This completes our obligation to you under Section 78 of the Consumer Credit Act 1974. Yours Sincerely etc etc...
the cupboard under the stairs for five days a week.
Posts
1,757
Re: Any info greatly appreciated on Goldfish CC, please.
I'm almost envious!
They completely ignored the CA request I sent in April...I know they received it because I have the proof of delivery.
I sent them a SAR a couple of weeks ago too so I'll wait and see if they ignore that too.
Continued good luck with your quest.
Spam
'Simples.'
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
As far as the CA is concerned Have you actually received 'their idea of' one under seperate cover or are you still waiting?
Depending on what you have received is where you go from here.
'Simples.'
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
the cupboard under the stairs for five days a week.
Posts
1,757
Re: Any info greatly appreciated on Goldfish CC, please.
Originally Posted by bl10
Thanks for the link.
Still waiting on their ''under seperate cover'' one....as all I've received is the letter above.
Do I wait another 14 days? ....or have they got longer?
If you haven't received it within the statutory time limit of your request you can then send them a letter saying that the account is in dispute until such times as you receive the agreement.
I'll scout out a template for you and post it when I've got it.
'Simples.'
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
the cupboard under the stairs for five days a week.
Posts
1,757
Re: Any info greatly appreciated on Goldfish CC, please.
OK,
This thread has two letters on it that could be useful to you.
One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.
Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....
They say money talks......mine just keeps saying "Goodbye"
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Re: Any info greatly appreciated on Goldfish CC, please.
Originally Posted by Spamalot
OK,
This thread has two letters on it that could be useful to you.
One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.
Any info greatly appreciated on Goldfish CC, please.**REFUNDED**
payments till I'm financially back on my feet / in work. They haven't, and the interest is crippling. I'm making basic monthly re-payments so it's going nowhere.
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Originally Posted by bl10
