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Michael Browne

Goldfish pay up with barely a fight

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I have had a Goldfish card since 1999, which has always been paid by cheque in full each month. Goldfish have charged me late payment charges totalling £78 on 4 occasions.

It certainly hasn't cost them anything, since they don't send any letters, but merely add the charge and interest to the next months statement. And any detection of late payment and applying a penalty charge is almost certainly automated.

If there is any manual intervention, then it can only be in the form of a single press of a keyboard button. Time taken: 5 seconds. Cost to bank: 2p @ £15 p/h. Who needs to print money when you've got this nice little earner.

So, here's what happened.

19th April: Sent the preliminary letter

28th April: Reply dated 26th April,. Charges not unfair nor penalty etc, value their continuing relationship with me etc.. Offered £30, being difference between OFT guidance of £12 and the actual penalties charged.

28th April: Sent them the LBA declining offer,

4th May: Reply dated 2nd May,. Making further investigations and will write again within 5 working days

4th May: Write back. Disappointed they need further time. However, as promised, I will still allow them the 14 days, specifically until 5pm on 15th May.

4th May: Make payment as soon as I spot the donation button. Wouldn't have had the knowledge or the bottle to do anything without this site. Best money I've ever spent!

12th May: Offer of £78.00 in full and final settlement. Accept offer, but reserve the right to challenge and pursue similar unlawful charges in the future.

Fill in CAG survey.

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Thank you to everyone involved in this site, administrators, moderators and members for your advice and encouragement.

Good luck to anyone still in pursuit of natural justice. And to any of you waverers, it's your money, go get it!

I actually feel slightly deflated. This site has become slightly addictive and already I'm having withdrawal symptoms! I'm sure I'll be back now and again and there's always my daughters student loans !

Lastly, I am saddened that the donate button hasn't been an unqualified success in raising the necessary funds to keep the site going. For God's sake, people, you'll be sorry if it closes, we'll only have ourselves to blame and the banks will have won yet again!. Please, please don't let that happen Another tenner on its way, via my Goldfish card (and I'm still £58 quid in front!)

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Excellent and well done!!

 

We love to read about stories like these...gives us all faith in the process :D

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Well done Michael, and thanks for the update, survey and donation !!


..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Fantastic news!!

 

Glad to have been of service ;-)


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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hi

im about to send my first SAR letter to goldfish, can you tell me if once you start requesting refunds on your money do they take your card away?

just curious as thought they might

thanks

Zanna


4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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Well, of course they could, but they didn't with me and I used it to make donations to CAG and CC will still make money, although not as much, even if you don't incur charges. So I would think it's possible but unlikely.

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This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4700 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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