Woodwa5 v Barclays [Goldfish card charges] ***WON***

[woodwa5]

I am absolutely fuming!!!!!!!!!!!

 

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,

 

THEY HAVE ANGERED THE WRONG MAN!!!!!!!

 

Woodwa5:mad:

[Hopeful1]

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.

[steven4064]

I'm afraid they are completely hopeless - see my thread http://www.consumeractiongroup.co.uk/forum/other-institutions/94052-steven4064-goldfish.html

[woodwa5]

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,

 

Woodwa5:)

[steven4064]

Yes, you can keep on addign to the claim until you filein court. After that it starts costing money to change it.

[woodwa5]

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,

 

Woodwa5:confused:

[steven4064]

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.

[woodwa5]

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,

 

kindly

woodwa5;)

[steven4064]

If all the charges were put on by MS, then name MS. If some were by GF, then name both.

[woodwa5]

I have done the paperwork and was checking hmcs web site and it appears that the court fees have changed and reduced?! have i read it wrong?

[maroondevo52]

Hi, Woodwa5.

 

What were the fees and what are they now ?

 

 

Regards.

 

Scott.

[woodwa5]

last i saw my claim would have been £80 (for a £700 claim) now they are £65

[woodwa5]

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?

[maroondevo52]

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

© 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.

[woodwa5]

unusual for something to go down in price these days

[maroondevo52]

unusual for something to go down in price these days

 

No half

 

Re: your other question, I've asked someone to have a look.

 

Regards.

 

Scott.

[ukaviator]

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.

[woodwa5]

thanks. i'll call them tomorrow and post the answer as i am sure a lot of people are going to want to know;)

[ukaviator]

Yes, good idea, thank you ..

[woodwa5]

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

[maroondevo52]

Yes,

 

I'm sure it's three copies.

I'll get back to you later (have to go out )

 

Regards.

 

Scott.

[sharkie]

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.

 

 

I think it was the other way round.

I am in the same situation, my card was supplied by Morgan Stanley Dean Witter a long time ago, I received a letter explaining that Morgan Stanley would be transferring the business to Goldfish, then a little while later I received a letter stating Barclays had purchased the credit card business of Goldfish http://www.consumeractiongroup.co.uk/forum/barclays-bank/137580-barclays-buys-credit-card.html , and they stated that this will include all Morgan Stanley Credit Cards and all will come under the administration of Barclaycard.

They have also stated that Barclay's Bank PLC will now be the data controller.

Although my statements continued to come as Morgan Stanley at the bottom it says Goldfish Card Services Limited, it tells you to visit the Morgan Stanley Website, and Barclays have handled the payments for sometime.

Letters are now on Goldfish headed paper but now have "Goldfish cards are issued by Barclays Bank plc" & "Goldfish Card Services Limited is an appointed representative of Barclays Bank plc".

 

So Barclays issue cards for Goldfish.

Goldfish is a representative of Barclays.

Morgan Stanley don't want anything to do with it, accept you can still use the website, and your statements still bear their name.

 

:confused::confused:

[woodwa5]

it's a rediculous situation where the customer has no idea as to who to sue. I did phone goldfish and they stated it would still be them. I suppose I started process when it wasn't even owned by barclays anyway and my papers are now in court and were deemed to have been served yesterday. If there is a problem I think I would a legitimate complaint to make buti'll let you know how it goes,

 

Woodwa5:confused:

[sharkie]

It is confusing and I'm sure much of it has been left that way on purpose.

 

In your case Goldfish have been acknowledging your letters, they have had ample opportunity to point you in a different direction.

 

Go for it and stick to your time tables.

[maroondevo52]

It is 3 Copies