Goldfish Credit Card issued in 1998?

[SAVA05]

Hello, I have now established that where I issued by Gold Fish Credit Card back in 1998 it was from HFC Bank. What I would like to know as I cannot remember how I issued it in 1998, was it a generally a postal application, on line or would you had to go into the bank. I am trying to fill out my PPI claim and cannot remember how these cards were generally issued. Daft question but do any of you know?

[Angry Cat]

Re: Goldfish Credit Card issued in 1998?

Hello, I have now established that where I issued by Gold Fish Credit Card back in 1998 it was from HFC Bank. What I would like to know as I cannot remember how I issued it in 1998, was it a generally a postal application, on line or would you had to go into the bank. I am trying to fill out my PPI claim and cannot remember how these cards were generally issued. Daft question but do any of you know?

I thought that the Goldfish card was a joint venture between Lloyds and Centrica but of course HFC entered in or around August 1998:
http://www.marketingmagazine.co.uk/a...nch-freeze-ads

Sounds like the application would have been made by post; magazines and shops were stuffed full of CC applications at that time.
However, it could have been a pre-authorised CC but they would still have had to send a form to fill in.

1998/99, the Banks were flushed with money; they were all desperate to lend via CC's together with selling their lucrative and often useless PPI!

http://business.highbeam.com/4008/ar...ldfish-free-uk

[charitynjw]

Re: Goldfish Credit Card issued in 1998?

Didn't they used to give them away in boxes of cornflakes?

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Didn't they used to give them away in boxes of cornflakes?

Thank you so much for your help. I was sure that I filled in an application form for the goldfish credit card. Next question is, would you had to tick PPI box to get that credit card.

[di30]

Re: Goldfish Credit Card issued in 1998?

Hi there

Sometimes it was the fact of the box already being pre-ticked/crossed for PPI.
It maybe a long shot, as time's gone by, but no harm in requesting for the copy of the agreement by enclosing £10 cheque or postal order, and ask them to provide you with the copy of the agreement/application (if you do not have this), usually if it was already pre-ticked it would not be done in pen but done by the bank/business themselves if you get my drift.
Ask them to provide you with a copy by 12 days.

Good luck.

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Thanks so so much Dizzy Di, I am sure it was a postal ( magazine ) application as I had no computer at the time ( not until 2005 ). You said the boxes were pre ticked but I cannot remember being so long ago. I did go into default with the card in 2001 with an outstanding balance of £3500 which I am still paying back on a monthly plan to Wescotts until February 2014. I had to chase different Banks like Lloyds TSB etc as Goldfish changed hands over the years. But it must be HFC Bank that are responsible as it was with them when it went into default. Paid my debt through Baines and Ernst ( Debt Management Company ) and they came up with HFC ( Lewis Debt Services ) on there file as the Creditor and I later decided to pay the HFC Bank directly so save paying extra to Baines and Ernst through Wescotts, where it is today. I am chasing HFC Bank now and received PPI complaint forms to fill and not sure to fill it in yet, and I did request a SAR to them with a £10 cheque sent 2 weeks ago to see if I did pay PPI. Since it went into Default I am sure PPI would be still on it ( hope so ). Was it very common that all Gold Fish Credit Cards had PPI as a matter of course and was the boxes defiantly pre ticked, if so is that classed as mis-sold.

[Angry Cat]

Re: Goldfish Credit Card issued in 1998?

Thank you so much for your help. I was sure that I filled in an application form for the goldfish credit card. Next question is, would you had to tick PPI box to get that credit card.

The cheaper alternative would be to make a Section 78 Consumer Credit Act Request at a cost of £1.00.
The result of your S.78 request should be that you will be provided with a true copy of the executed credit agreement and any other document referred to in it. (plus statement of account)

Please, ensure that you mark your £1.00 postal order: Section 78 CCA request only, keep copies and send by Recorded Delivery.

The agreement should show a box that would have been ticked or, a box that would have been signed.

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Also all I remember is having to ring a number on the back of the card and to activate the card once I got it but may depend on having PPI before my application was successful.

[charitynjw]

Re: Goldfish Credit Card issued in 1998?

Hi SAVA05

Apologies for the 'tongue-in-cheek post earlier.

As others have suggested, a CCA s78 request is a good idea, as a SAR doesn't cover T & C's, which are generic; SAR's are for personal info (ie, info that can identify you.)
A s78 should produce the T & C's (those from the inception of the agreement, plus current ones, or any modifying terms/conditions.
But they do not have to produce a true copy of the agreement - a reconstituted one will suffice.
However, with a SAR, strictly speaking, they should send, amongst other things, a copy of the original agreement, or explain to you why they can't.

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Lol, It ok Charitynjw, I already requested an SAR from HFC BANK and that should produce my monthly statements, credit agreements and what I signed etc. Will fill out my PPI Complaint forms tonight. Whats the best way to fill the forms out. Do I say I was mis-sold even though I cannot remember having it. Not seen my monthly statements since 2001.

[charitynjw]

Re: Goldfish Credit Card issued in 1998?

Hiya,

(Phew, I thought I'd offended you - my attempts at humour need a bit of honing, methinks! :ohwell

di30 is our PPI superstar - she's not on the forum at the moment, but I'll give her a nudge.

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Tell her to hurry up please,,,,

[di30]

Re: Goldfish Credit Card issued in 1998?

Hi there
Sorry for my delay in replying, and thank you for the nudge Charitynjw

Right, "if" it was pre-marked then yes you can argue the fact that it was already included, so you therefore assumed it was all part of the package of the credit card.
So do check these details.

Now another thing as well, if you already had pre-med conditions at the time of taking out the policy, if you were to make a claim for that particular reason, then its very unlikely they would not have paid out on that part of it.

I would therefore write a letter of complaint and add all information that applies to you, and stated that although you were sold PPI, it was not directly checked or even discussed with you.

HFC are also related to HSBC, so if you need the email addy by all means I will forward this on to you.

[SAVA05]

Re: Goldfish Credit Card issued in 1998?

Hi there
Sorry for my delay in replying, and thank you for the nudge Charitynjw

Right, "if" it was pre-marked then yes you can argue the fact that it was already included, so you therefore assumed it was all part of the package of the credit card.
So do check these details.

Now another thing as well, if you already had pre-med conditions at the time of taking out the policy, if you were to make a claim for that particular reason, then its very unlikely they would not have paid out on that part of it.

I would therefore write a letter of complaint and add all information that applies to you, and stated that although you were sold PPI, it was not directly checked or even discussed with you.

HFC are also related to HSBC, so if you need the email addy by all means I will forward this on to you.

I filled out the forms and said the credit card application was a postal one and the boxes for PPI were pre ticked ( even though I could not remember clearly and it was 15 years ago ). I also stated the forms that I requested a SAR with enclosed £10 cheque a few weeks ago and waiting for details of credit agreements, statements and transactions etc to be received. Obviously depending what would come from that to see whether I did had a PPI which I think when my account went into default the PPI element of that would of continued. I did state on my forms I had no pre medical conditions and said I would not been advised on the PPI etc.

[di30]

Re: Goldfish Credit Card issued in 1998?

They have 40 calendar days to send the SAR, do you know if they cashed the cheque yet?

Another thing as well, I note you said the account went into default and your still paying for this now. They probably still have the PPI added to it, but if this is the case the PPI is worthless to you when in default anyway, so realistically they should not be charging you ppi.

If the debt is fully assigned to Westcott then the refund should come back to you, as the bank/business you are complaining too still has the responsibility of dealing with the complaint, they should not have nothing to do on the account other than the ppi complaint.

So any problems with this let us know.