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    • just post it here as text then we can edit if necessary
    • 1st try for snotty letter.     lbccc v1.pdf
    • I do feel now that I would like to comment on some points raised on some of the posts on this feed:   Although I found the appearance and comments from Zac to be rather strange, I have not left a scathing review; I was merely seeking some advice as I have never been in this situation before and did not know what to do.   The information I have provided is factual, transparent, and comprehensive. The pdf I posted of full correspondence, screenshots with text on (and to clarify direct quotations from the video walk round), and photographs of the bonnet show this.   The emails and comments posted by the dealer do not constitute the full facts of the situation as he stated, and it makes me feel sick that I have repeatedly been called a bully and a blackmailer (via correspondence and forum comments) throughout this. Additionally, the 4th email posted by the dealer which he named as the response to the email above it was not the response I received to it.   I have made it clear from the start that I wish to keep the car and only wanted it in the condition as advertised. Upon receipt of my first email concerning my complaint (not the best email, I know), it was very clear that the dealer wanted the car back. His response to this was a WhatsApp message which ended in “To be frank I don’t want to sell some one a car that insults and then blackmails me”. This was also the only option provided which would not cost me considerable time or expense. Although it would still have left me without a car (and having to resume my search), as my old Golf was due to be collected by a private buyer. Also, this was the only option offered without sarcastic and/or patronising comments attached. This is of course only my personal opinion and I am aware that I may not be fully objective on this point, but I felt bullied into doing what the dealer wanted.   Whilst I understand my initial email was quite conflict orientated, and that I have not dealt with this situation well, I don’t believe it excuses the responses I received. I am at a loss to see how this is above and beyond in terms of customer service.   As the dealer pointed out, I did state that the car was in fantastic condition for its year (the interior is fantastic for the year), apart from the bonnet of course. The car has most likely done predominately motorway miles which would account for the bonnet. There are minor issues which also don’t match up with the video walk round. Namely, a tiny dent in the rear wheel arch, which is barely even noticeable, several paint chips around one of the doors, the odd stone chip elsewhere, the alloy wheels are in good condition, but not absolutely pristine as most were described as (I had assumed maybe these has been reconditioned), the rear loading strip is heavily marked all the way across, but the paintwork not affected. However, all of these I feel are minor in a 10 year old car. Upon reflection ‘great’ may have been a better representation than ‘fantastic' on my comment.   During my initial phone complaint, I was told that I was the first customer to complain in over 50 cars (can’t recall the exact number but remember it being in the 50’s) to which I said that I felt bad about, later it was 300…   I never asked for £150. As mentioned before, I accepted this offer over the phone after the dealer had told me that I would not be able to get a stone chip repair company to rectify, as “there are hundreds,” and that it would need respraying. He told me that it would cost him £150 (did not mention plus V.A.T) and that it might cost me £200 here.   I was confused by the pricing structure mentioned (from the chap he has previously told me he has used for his body work repairs for years) as this appeared to be an invoice, which I assumed was for another car’s repairs. The total cost was over £1,000. It stated £180 for a bonnet repair and paint (vandal damage, small repair or paint correction) and on the second page V.A.T was added. If this is correct this would surely equate to a total cost of £216 for the bonnet, but of course I could be wrong. Not inclusive of the cost of collecting and delivering the car back to me, as I have been informed that this should not be of inconvenience or cost to me.   I asked for a larger contribution as initially I was led to believe it would cost me £50 and a little inconvenience. Only after I stated the specific consumer rights (which I had Googled over the weekend) and sent the dealer photos of the bonnet did he offer me a further £112.50 for this. In hindsight I could have specified a figure, and that I still did not expect the blended wings to be paid for. Before this, the dealer stated that he did not wish to negotiate any further and to take the car back to him to paint or they will refund and collect. Upon seeking more specific advice on Monday I was informed of my full rights in this circumstance.   It is certainly not a case of changing my mind because I wanted a brand new bonnet etc. and I disagree that the dealer kept his "kool" and replied respectfully throughout, as I do not consider sarcastic and derogatory comments throughout as respectful.   The warranty is a 6 month bronze package from Warranty Wise in this case, which I believe is the only option for a car over 100,000 miles.   I’m unsure as to the significance of the dealer counting 14 stone chips, but maybe this was on one of the photos close to the edge of the bonnet. I have not zoomed in, merely taken a photos of different areas of the bonnet. You can gauge the size on the photos which are closer to the front headlight area. Also, again this issue is not about the size of the stone chips, which do vary in size throughout, it is about the sheer amount across the bonnet not being as described. I did state that these were difficult to see in sunlight or at a distance. However, upon reflection I should have stated more clearly i.e. direct sunshine. I believe 2 or 3 were pointed out on the front edge of the bonnet in the video walk round. In which the dealer stated "Body work is absolutely stunning for the year, with only very minor age related marks, which we’ll point out as we walk round… Bonnet; no scratches, no dents, no damage. If we look closely, we might find the odd little stone chip here and there that have been touched in, little one there, very difficult to see. Little one there, look. So, it's got the odd little stone chip on the front of the bonnet edge, apart from that it's very very clean."   There are not over 30 emails about this, there are 12 and 11 WhatsApp messages (inclusive of the 2 photos of the body shop invoice).   From what I understand about mediation, its purpose is to negotiate to resolve an issue as timely and smoothly as possible. The last emails from the dealer stated that they had no choice but to take legal advice and pass all their correspondence to Lawgistics. With a formal retraction of all previous offers except returning the car to them for a refund, which would be my responsibility. This also informed me of the AA ADR. Followed by one stating “My apologies I forgot to include the phone number for the legal team… Bonnie is the team leader should you wish to escalate to the highest level. Please note that on taking further advice we are under no obligation to offer a refund for the vehicle.”   The dealer also stated “our car” at the end of one of his posts which is odd. It is legally my car which was purchased online in good faith.   Bankfodder’s recent comment concerning the AA does indicate he is saying the AA does not know what they are talking about.   Lastly, I am also unsure as to why anyone would want to deliberately add stone chips to their newly purchased car, or indeed how. Is this even possible?
    • As far as I can see I could just have scanned in a QR code of an unused or unreported test and declared it negative.  It is a venue asking for this and it's utterly pointless.  They'd be much better asking everyone to bring an LFT with them and randomly picking 10% out on entry to test in front of a witness
    • Each test has a unique QR code?   The UK is a joke at the moment.  People fighting over petrol at garages, because of supply issues affecting some garages.    Will we see people fighting again in Supermarkets over the last pack of toilet rolls ?   Government are blaming the media for reporting the problems .            
  • Our picks

Baby Boy Jasper v Goldfish


Baby boy Jasper
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When i spoke to someone at Goldfish regarding statements for the past 6 years, i was Quoted £5.00 per statement?! so if me maths is rate that comes to £360.

So if I send a cheque for £10 do i only get 2 statements.

Has anyone else had this problem?

Has anyone been sucesful in claiming back from Goldfish?

Ta very much, great site!

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Baby boy Jasper,

 

Don't let Goldfish bully you. Do not make telephone requests.

 

Start the ball rolling by sending the Subject Access Request letter and attach the correct fee of £10 required by law. That is what the law says. If they refuse to comply after 40 days, they would be breaking the law. Send your letter RECORDED delivery.

 

The person you spoke to on telephone maybe inexperienced in your request.

 

The following links may help:

 

Step-by-step instructions

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html?highlight=library

Contact details of banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Good luck

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I sent my SAR to Goldfish with £10.00 cheque which they tried to pay apply to my CC account, but cheque bounced! Thought I'd c****d up but was just about to send a postal order when low and behold statements arrived along with a letter basically saying that they knew why I was asking for the statements and offering the difference between my claim and the OFT's recommended £12.00. Have just replied rejecting with modified prelim let saying thanks but no thanks and adding compound contractual interest. Lets see what happens now. Good luck, just send SAR with £10 and take it from there.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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As bennyowen says RECORDED of course!

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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  • 1 month later...

I have received confirmation today from Goldfish regarding my request for statements (D.A.R.).

They say that the 40 days to carry out this request should be concluded by 14 April '07.

Oh & they have also taken the £10 payment (postal order).

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  • 1 month later...

It seems ages since I was on here last, anyway I have received copies of statements & an offer exactly 40 days to the day that I requested them.

It seems they have carried out all the work & come up with an offer.

The list of charges are on one page with two totals.

1 are the actual charges they say they have charged me since March '01.

The next total is their offer which is an insult. Basically it is £550 less than the charges they have taken off me.

The accompaning letter goes through all the jargon of "we feel the charges are fair & we have now set the target to £12 charge level as set by the OFT"

They want me to sign & accept this approval of the 'offer' in 'full & Final settlement of my complaint.

The account has been over it's limit for a while even though i have no card & the fact that they 'closed'? it over 2 years ago.

The refund would be placed into the account.

However, the account is not used now as they have issued a 'Default Notice fee' to it as well (& charged for it) Plus, I am having to pay the account back through a debt managment scheme.

 

Please could someone advise me please as what to do next!?:confused:

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Carry on with your claim, send a letter saying you are disappointed with their response and that you will accept this amount only as partial settlement and that you will proceed with your claim as stated. What happened to me is that they then came back to you offering the full amount less any interest that you may have added on. I had added compound contractual interest to my claim. At this point I accepted, but it is totally up to you if you want to proceed with the interest aspect. In my case it was all done and dusted quickly. It started exactly the same as yours, with my statement came their calculations of what they presumed I would be asking for.

Good luck - not that you will need it - they obviously know that they have to give it back sooner rather than later so dont tend to waste their time (or ours) by taking it to the wire like some other banks are!

Hope this helped - I know it is encouraging to hear of others succeeding.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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hiya-i had a goldfish account which was closed a few years ago-what address did you send sar to jasper?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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hi jasper-what phone number have you ben contacting tham on-i dont even have my account no so i need to contact them first to get it-thanks

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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  • 2 weeks later...

I sent Goldfish a request for statments and they took 38 days to send them. They had totalled all my charges for me and it came to £875. They said that as a goodwill jesture they will refund me £299. I sent them a Letter Before Action letter saying no, I wanted the full amount and they had 14 days. ON the 14th day,today,I got a letter saying they admit no wrong doings but as a goodwill jesture, they will refund me the £875.

I WIN, THEY LOSE!! This site has helped me alot.

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Hi Jasper

 

My LBA went to Goldfish on Friday (I had a similar response and offer to my SAR as you). I then received an offer to refund all the charges (but not interest) on Saturday as a response to my Prelim.

 

I am however going to push on with my claim for contractual interest (around £500).

 

Hopefully you'll have your 100% charge refund letter through shortly

 

G

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hi -i'm worried-sent goldfish my sar-letter on april 30th but not showing as received on tracking -since had a letter from capquest saying they now own debt-sar not up til june 9th-any advice please

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Hi jubaxt,

I had the same happen to me regarding the tracking.

No one had actually signed for it at their end.

However I did eventually receive a letter from Goldfish stating that they had received the request & that it would be dealt with within 40 working days.

It's when you get a letter of offer from them that you have to laugh (or cry) when they insult you with the 'stupid' low refund.

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I got the letters etc off them. I got the letter saying they will refund the £875. Im still wating for a cheque off them. The account was closed but I owed £25. When I called them today, the account is now 0 and closed. But she says on her screen there is no copy of the letter of acceptance I returned to them nearly 2 weeks ago. I have said to her that my account has been paid off with part of my £875, so wheres the rest. She is going to make some phone calls for me.

On her screen, she said that a letter for the refund of £875 was sent out to me. They are waiting for a response!! I said I sent it over a week ago, recorded delivery. She couldnt explain how my account was now paid up when Ive made no payments!

I said I need an answer by tuesday! Keep you posted.....

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