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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Help - Goldfish credit card PPI - Who to write to?


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Hi

 

I had a Goldfish credit card up to approx 2007 and I want to reclaim PPI 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

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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.

Edited by rebel11
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your complaint should be addressed to the company who miss sold the product, not the current owner of Goldfish. I suggest you send a SAR to the current owners of Goldfish who I believe is Barclays, 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 :D

 

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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Cheers for the advice all.

 

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

 

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

 

Citybloke

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  • 1 year later...

Had my Goldfish credit card PPI mis-selling 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 FOS 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

Edited by citybloke
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Hi ims...was thinking of the LBA 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 court? 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

 

Lloyds are playing the same game sadly.

 

Maybe an lba would jolt them into coughing up.

 

ims

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Hi ims...was thinking of the LBA 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 court? 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% interest is mounting up

 

ims

 

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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% interest 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 LBA. 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

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  • 2 weeks later...

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 court 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!

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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 PPI payments; being told by Barclaycard nothing to do with them, I need to contact AXA Insurers directly.

 

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

 

Heartening to hear of your success, well done.

 

Bubbsie

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