Goldfish PPI Claims Address?

I know that originally there was a Goldfish Bank Ltd. Lloyds acquired all the Goldfish assets in 2003, sold them to Morgan Stanley in 2005, who demerged it into Discover, and Discover sold them to Barclaycard in 2008.

I'd imagine that if the account was "closed off before Barclays brought them out" then Barclays would not hold any records of the CC account.

Normally the rule is that your PPI complaint should be directed against whoever sold you the PPI. In this case that would appear to be Goldfish Bank Ltd. Which doesn't exist anymore. (Dissolved in 2011.) I don't know whether demonstrating that the original PPI was mis-sold would create an obligation on all the subsequent operators of the Goldfish CC to refund any PP amounts that they had charged you. But obviously that wouldn't include Barclays, because the account was closed before they took over.

Bearing in mind that you're talking about something that happened more than 6 years ago, what evidence do you have of any PPI being paid?

InsideInsurance wrote: »

It depends on what is being bought and sold. If its the company itself then assets and liabilities go with it. It is possible to just buy the customer book (current or all) and the brand but leave the Ltd company behind which would leave the liability behind if they only took the existing book of customers.....

Well, I know that what happened in 2003 was that Goldfish Bank Ltd sold its "existing book of customers" to Lloyds TSB (as it was at the time) leaving the Ltd company behind with the liabilities. Which might be relevant, since the OP took out the card in 2000.

http://www.investegate.co.uk/article.aspx?id=20030801070008B0421

Though I don't really know about the details of the subsequent shenanigans.

InsideInsurance wrote: »

....Personally I'd start with the current operator and work my way backwards but you could go forwards but you'd have to miss the first step given the original company doesnt exist any more

I agree you'd have to start somewhere. Starting with the current operator and working your way backwards is probably the best option, since they are the most likely people to have records. I was just warning the OP that if their Goldfish account had been closed before the Discover-Barclays deal that they are likely to receive a similar response to the one received by this person;

https://forums.moneysavingexpert.com/discussion/4676331