Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder citybloke Novitiate

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    Question Help - Goldfish credit card PPI - Who to write to?

    Hi

    I had a Goldfish credit card up to approx 2007 and I want to reclaim PPIicon as I was self-employed.

    It seems Goldfish as it was doesn't exist anymore and was sold to Barclaycard I think.

    Do I submit my claim to Barclaycard for Goldfish related claims?

    Thanks

    Citybloke


  2. #2
    Site Team rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative rebel11 Authoritative

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    n/a


  3. #3
    Basic Account Holder citybloke Novitiate

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    Question Re: Help - Goldfish credit card PPI - Who to write to?

    Quote Originally Posted by rebel11 View Post
    n/a
    What do you mean by 'n/a' ?


  4. #4
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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Hi city


    Your claim would be with Discovery Financial Sevices, which was spun off by Morgan Stanley

    Discover Financial Services

    This explains the history of Goldfish,

    Barclays buys troubled Goldfish as US firm says the UK is too tough | Business | The Guardian

    I suppose you could contact Barclaycard and see what they say, they bought Goldfish in 2008.

    Welcome to Consumer Action Group

    'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'
    Joshua J. Marine

    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
    2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE
    3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE
    4) REQUEST CCA FROM CREDITOR CLICK HERE
    5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE
    6) CAREY V HSBC (2009) CLICK HERE
    7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE
    8) IN DEBT DON'T PANIC CLICK HERE
    9) FULL AND FINAL SETTLEMENT CLICK HERE
    10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE
    11) DISTANCE SELLING-EDUCATE YOR RETAILER
    CLICK HERE
    12)
    SOGA SUMMARY CLICK HERE
    13) WHICH? TEMPLATES CLICK HERE
    14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE
    15) EVERYTHING HOUSING CLICK HERE
    16) UTILITY BACKBILLING CLICK HERE
    17) OFGEM - COMPLAINTSCLICK HERE
    18) OFCOM - COMPLAINTS CLICK HERE

    DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

    Don't forget to donate to this site

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Quote Originally Posted by rebel11 View Post
    n/a
    Had a problem editing the post, so put n/a not applicable.

    Welcome to Consumer Action Group

    'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'
    Joshua J. Marine

    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
    2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE
    3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE
    4) REQUEST CCA FROM CREDITOR CLICK HERE
    5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE
    6) CAREY V HSBC (2009) CLICK HERE
    7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE
    8) IN DEBT DON'T PANIC CLICK HERE
    9) FULL AND FINAL SETTLEMENT CLICK HERE
    10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE
    11) DISTANCE SELLING-EDUCATE YOR RETAILER
    CLICK HERE
    12)
    SOGA SUMMARY CLICK HERE
    13) WHICH? TEMPLATES CLICK HERE
    14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE
    15) EVERYTHING HOUSING CLICK HERE
    16) UTILITY BACKBILLING CLICK HERE
    17) OFGEM - COMPLAINTSCLICK HERE
    18) OFCOM - COMPLAINTS CLICK HERE

    DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

    Don't forget to donate to this site

    Please let us know how your problem has been resolved, it could help fellow Caggers


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  6. #6
    Basic Account Holder birchave0 Novitiate birchave0 Novitiate birchave0's Avatar

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    your complaint should be addressed to the company who miss sold the product, not the current owner of Goldfish. I suggest you send a SARicon to the current owners of Goldfish who I believe is Barclaysicon, this should provide you with a copy of your original credit agreement, which should show the date your account was opened.

    You will then be able to work out who owned Goldfish when you opened the account, and therefore who to complain to

    sorry if this sounds like you are going around the houses, but if you determine now exactley who to complain to it will save you time in the long run. Otherwise they will just give you the run around.

    i won against Goldfish 3 years ago, so it can be done

    good luck!

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan 1200 + 2900 off loan balance
    22-5-07 Halifax *Won* 1025
    23-9-07 Goldfish 8k balance written off, 2300 PPI + charges returned, no agreement
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  7. #7
    Basic Account Holder citybloke Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Cheers for the advice all.

    I have all my Goldfish statements, so I know exactly what was taken in PPIicon and the interesticon rate on the credit card.

    I will write to Barclaysicon staking my claim and ask them who I should contact if they say it's not their responsibility.

    Citybloke


  8. #8
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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Spreadsheets are available on the sight for you to do your calculations.

    http://www.consumerforums.com/resour...n-spreadsheets

    Welcome to Consumer Action Group

    'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'
    Joshua J. Marine

    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
    2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE
    3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE
    4) REQUEST CCA FROM CREDITOR CLICK HERE
    5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE
    6) CAREY V HSBC (2009) CLICK HERE
    7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE
    8) IN DEBT DON'T PANIC CLICK HERE
    9) FULL AND FINAL SETTLEMENT CLICK HERE
    10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE
    11) DISTANCE SELLING-EDUCATE YOR RETAILER
    CLICK HERE
    12)
    SOGA SUMMARY CLICK HERE
    13) WHICH? TEMPLATES CLICK HERE
    14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE
    15) EVERYTHING HOUSING CLICK HERE
    16) UTILITY BACKBILLING CLICK HERE
    17) OFGEM - COMPLAINTSCLICK HERE
    18) OFCOM - COMPLAINTS CLICK HERE

    DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

    Don't forget to donate to this site

    Please let us know how your problem has been resolved, it could help fellow Caggers


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  9. #9
    Basic Account Holder citybloke Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Cheers Rebel11 - Will update when i get a response.


  10. #10
    Basic Account Holder citybloke Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Had my Goldfish credit card PPI mis-sellingicon complaint upheld by Barclaycard last December and returned signed acceptance form 1st week of December 2011 but still no money!

    I've phoned Barclaycard a few times now and they say the exact same thing every time, which is they cannot give me any idea on timescales and they have a big backlog.

    I called the fosicon and they said I could make a complaint about this to the FOS, but the FOS would have to give Barclaycard 8 weeks to deal with my complaint.

    It seems Barclaycard can just take as long as they want!

    Anyone else had recent issues getting refunds from Barclaycard?

    Thanks - Citybloke

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  11. #11
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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Hi

    Lloydsicon are playing the same game sadly.

    Maybe an lbaicon would jolt them into coughing up.

    ims

    If I have helped you please leave me a message by clicking my star

    1. Single Premium PPI Q&A Read Here
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  12. #12
    Basic Account Holder citybloke Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Hi ims...was thinking of the lbaicon route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

    Do you happen to know how long a case takes to be heard once it has been submitted to the county courticon? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

    Cheers

    Citybloke

    Quote Originally Posted by ims21 View Post
    Hi

    Lloydsicon are playing the same game sadly.

    Maybe an lba would jolt them into coughing up.

    ims



  13. #13
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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Quote Originally Posted by citybloke View Post
    Hi ims...was thinking of the lbaicon route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

    Do you happen to know how long a case takes to be heard once it has been submitted to the county courticon? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

    Cheers

    Citybloke
    Hi

    I think it would depend on how busy your court is.

    You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

    Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interesticon is mounting up

    ims

    If I have helped you please leave me a message by clicking my star

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here



    I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE



    Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

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    If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

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  14. #14
    Basic Account Holder citybloke Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Quote Originally Posted by ims21 View Post
    Hi

    I think it would depend on how busy your court is.

    You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

    Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interesticon is mounting up

    ims
    Still no payment from Barclaycard and they still insist that they cannot give any date or approximate timescale for making my refund when I phoned them again. So as it's now been 2 months since they received my acceptance form, I think it's time to send a lbaicon. It's not a path i really wanted to or expected to have to go down, but i can't wait indefinitely with their arrogance of not giving me any indication of when i'm likely to receive my refund...not even a rough indication.

    Citybloke


  15. #15
    Basic Account Holder citybloke Novitiate

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    Thumbs up Re: Help - Goldfish credit card PPI - Who to write to?

    I was pondering what to do about this non payment of refund from Barclaycard and found the email address for their CEO, so dropped him a polite but firm email stating how long I had been waiting since I returned the offer acceptance letter and that I would have little option other than to go to the county courticon process as Barclaycard have stated they are not willing/unable to give me any indication of when i would receive the refund.

    2 days later.....money paid direct to my bank account!! a coincedence i wonder or did they get told by the CEOs office to sort it!


  16. #16
    Basic Account Holder bubbsie1 Novitiate bubbsie1 Novitiate bubbsie1's Avatar

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Hi Citybloke

    I am in a similar position to you, had a Morgan Stanley C.Card, which then went to Goldfish and then onto Barclaycard in 2007.

    Just about to start my claim to re-coup my PPIicon payments; being told by Barclaycard nothing to do with them, I need to contact AXA Insurers directly.

    I know my claim is with Barclaysicon, not AXA, wondering if you had any of this nonsense from Barclaycad.

    Heartening to hear of your success, well done.

    Bubbsie


  17. #17
    Basic Account Holder JOHNNYBOYJO Novitiate

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    Default Re: Help - Goldfish credit card PPI - Who to write to?

    Hello Just a qestion regards Goldfish card. I had mine in 2003 and wish to start my claim. Do you have the address for who i write to ,to find who now has my account details. thank you for your help.



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