Due to the PPI deadline of 29 August 2019 we are no longer taking on any new PPI Clients. We will continue to carry out work for the clients that we are already working on behalf of so that we can provide the best service possible to them.

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About Goldfish Credit Card

Goldfish Credit Card was created by Centrica in 1996 as a joint venture with Lloyds TSB. Lloyds TSB bought out Goldfish from Centrica in 2003 before selling it to Discover Financial Services in 2005. Discover Financial Services who itself was owned by its parent company Morgan Stanley sold the UK Goldfish credit card and the Morgan Stanley credit card operations to Barclays in 2008.

As part of the sale Barclays bought 1.7 million credit card accounts from Discover Financial Services, and Barclays plan was to eventually convert all of the purchased Goldfish credit card accounts to Barclaycard accounts. Barclaycard is a trading name of Barclays Bank.

Since 2008 Barclays under their trading name of Barclaycard have been responsible for the sale of PPI on Goldfish credit cards that took place before and after 2008.

About Goldfish Loan PPI

Although Barclays are currently responsible for Goldfish credit card PPI complaints they are not necessarily responsible for all of the historic PPI complaints on Goldfish Loans.

To establish if Barclays may be responsible, or to identify which other lender that you would need to send a PPI complaint to for Goldfish Loan PPI we would need to discuss this a little further with you.

This is because the year that you took out your Goldfish loan and which company you took the loan out with or through will assist us to determine which company we would make any PPI enquiries to or log any new mis-sold Goldfish loan PPI complaints to on your behalf.

Goldfish Payment Protection Insurance (PPI)

Goldfish and Barclays Bank like many other banks in the United Kingdom have sold PPI alongside their products and accounts to customers. The types of accounts that Goldfish have sold PPI on are credit cards.

The PPI mis-selling scandal has affected millions of Goldfish and Barclays customers, many of whom have already received a refund for mis-sold PPI from Goldfish or Barclays. If you believe that you may have been sold PPI by Goldfish at any time and want to submit a PPI claim to Goldfish or run a free PPI check to check if you have ever had PPI with Goldfish you will need to ensure that your complaint is sent to Goldfish or to the Financial Ombudsman Service on or before the PPI claims deadline of 29 August 2019 that the Financial Conduct Authority (FCA) has set or else lose your right to have your complaint assessed.

Goldfish PPI Check

If you are unsure whether you have had PPI with Goldfish or know that you have had PPI with Goldfish and would like more information about it, you can use our online form to find out for free. Checking with Goldfish to find out if you have had PPI does not cost you anything and will not affect your relationship with Goldfish.

The information that will be needed for a Goldfish PPI check is quite straightforward. You will need to provide us with the following basic details to check for Goldfish PPI:

-The details of your current address

-Your address at time of opening the account (if different from your current address)

-If you were known by any other names when you opened the account/signed the credit agreement
-Your date of birth

-Name of any joint account holder (if applicable).

Please note that the joint account holder information is not compulsory if you want to check or claim for PPI on a joint account where the joint account holder is deceased or that you no longer have any contact with. This is because any eventual mis-sold PPI payment that you may receive from Goldfish regardless of the status of the joint account holder would need to be paid separately to each of the account holders so that they may each receive their share of the payment.

How Do I Make A Goldfish PPI Complaint?

We have put in place a simple and fair process for making complaints about Payment Protection Insurance (PPI) policies you have previously bought from Goldfish. You can complain to Goldfish about PPI in writing, by post, online, by phone, or in branch.


It does not matter whether you did not know that you had PPI or if you were aware that you did have PPI, the fact is that you can complain and submit a PPI claim to Goldfish if you think that the PPI may have been mis-sold.

Making a complaint about PPI or PPI commission will not affect your relationship with Goldfish. Upon receiving your PPI claim Goldfish will acknowledge your complaint within 5 working days and provide a personal complaint reference number.


Goldfish will then conduct a thorough investigation of how PPI was sold to you using all the information available to them. Goldfish are obliged to provide you with a decision on your complaint within 8 weeks.

Making A Complaint About Goldfish PPI Commission

A percentage of what you paid for your Goldfish PPI premium may have been commission and some people may be due a refund of some of the PPI premiums that they have paid towards their Goldfish PPI.

This commission would have been paid to the bank or broker of the PPI, rather than the whole amount going towards paying for your insurance. In this instance if any PPI commissions are owed to you as a result of you being eligible for an undisclosed commissions refund from PPI on a Goldfish credit card that Goldfish own or are responsible for then Goldfish will be responsible for refunding that PPI back to you.

A Supreme Court ruling made in 2014 in the case of ‘Plevin vs. Paragon Personal Finance Ltd ruled that Mrs Plevin had been sold a PPI policy but was not told that a high percentage of the premium was paid in commission. The Supreme Court ruled that this made her relationship with her lender unfair under section 140A of the Consumer Credit Act 1974.

Following the Supreme Court ruling the FCA set out guidelines on how banks should investigate and correct PPI commission and has defined high commission as being anything more than 50% of the cost of the PPI premium.

You may have been affected by Goldfish PPI commission if:
You weren’t told about PPI commission
The PPI commission paid was more than 50% of your premium
Your credit agreement was covered by section 140A of the Consumer Credit Act 1974

Not everyone who complains about PPI will be affected by the Plevin ruling about PPI commission. There are a number of factors that can affect your entitlement to a refund of PPI commission and we will be happy to discuss them with you further if you require any further assistance.

We have set up a simple way to complain about commission on your Goldfish PPI policies and any other related brands that Goldfish own and are responsible for. Just fill in our enquiry form on this page and we can start the process of investigating whether you were charged a high level of commission by Goldfish for PPI.

Which Brands Have Goldfish Sold PPI Under And Responsible For?

Goldfish are responsible for many related brands that have sold PPI so you can also contact Goldfish for the following brands about PPI: Goldfish because Barclays fully owned the Goldfish credit card they are responsible for PPI complaints relating to Goldfish.. Any PPI complaints relating to Goldfish will ultimately be dealt with by Barclays.

Goldfish Payment Protection Insurance FAQ’S

What is Goldfish PPI?

Goldfish Payment Protection Insurance (PPI) is designed to repay some of the balance on your Goldfish credit card if you cannot do so because of an accident, sickness, involuntary unemployment or loss of life.


If you would like to check whether you have ever had PPI with Goldfish or Barclays the information provided on this page along with our Free PPI Check will help you to do so.

How can I check if I have had PPI with Goldfish?

If you are unsure if you have ever had PPI with Goldfish or any of the brands that Goldfish are responsible for you can use our online form to request a FREE Goldfish PPI Check.

We can check for any PPI you may have had with Goldfish or Barclays Bank and provide you with this information for free. It is then your choice if you would like us to proceed with a PPI claim for any PPI that is located that you feel was mis-sold to you.

Am I eligible to complain to Goldfish about mis-sold PPI?

There are many reasons as to why you may be eligible to complain to Goldfish about PPI. The most important factors in a Goldfish PPI complaint will be what you were or what you were not told when the PPI was sold to you.

For instance you may have been told that the PPI was compulsory or that by taking out PPI your chances of being accepted for the finance would be better.

Here is a list of the most common reasons that we come across for PPI being mis-sold:

-You were told that PPI was compulsory

– You were told that by taking out PPI your chances of being accepted for the finance would be better

– You were not told that the PPI was optional

-The PPI was added without your knowledge or consent

-You were not told anything about the policy

-You were advised that the PPI had a cooling off period where you could cancel it (this is normally 30 days from the date that PPI was sold)

-You already had other cover in place so did not need the PPI

-You received 12 months sick pay from your employer

-You were a civil servant at the time and already covered by a generous sickness and redundancy package from the government

-You had savings to rely upon that could have repaid the debt in full or covered the repayments of the debt for 12 months

-You were self-employed

-You were a company director

– You worked less than 16 Hours per week

– You were a temporary or contract worker

– You were unemployed

– You were a student

-You were a housewife

– You were retired

-You were working abroad

– You were a home carer

– You were suffering from any pre-existing medical conditions such as Arthritis, Asthma, Diabetes, Eczema, Epilepsy etc.

What Information will I need for a Goldfish PPI Claim?

The information that you will need to provide for a Goldfish PPI Claim will vary depending on your own personal circumstances and the information that you have available at the time that you make the claim.

However where we identify PPI on an account for you and you feel that it was mis-sold then we can still submit a PPI claim to Goldfish on your behalf even when there is very little further information available.

List of Information You Will Need For a Goldfish PPI Claim:

-Any account/card and relevant PPI policy numbers.

-The start dates of the PPI policy/s.

-Information about how your PPI policy was sold to you, for example on the phone, in branch, through the post, internet application etc.

-What you took out your loan/credit card/finance for.

-Your employment details at the time you took out PPI, including salary and whether your employer provided any level of pay if you were unable to work.


Please note that we can assist you to get the information together for your Goldfish PPI claim as part of our Free PPI Check, so please do not worry too much if you do not have very much information available in relation to the PPI or the accounts that it was sold on. In many cases we can proceed with a PPI claim with just your recollection of how PPI was sold to you.

What happens once I have complained to Goldfish about PPI?

Once Goldfish receives your PPI complaint they will have eight weeks in which to investigate the complaint and provide their complaint decision. The Goldfish PPI complaint claim process is as follows:

Your complaint will be dealt with in 3 steps by Goldfish:

Step 1: Acknowledgement- Goldfish will acknowledge your complaint within 5 working days of your complaint being received and give you a personal reference number. Once you have your reference number it will be easier to get an update on the progress of the complaint investigation.

Step 2: Review- Goldfish will conduct a thorough investigation of how PPI was sold to you using all the information available to them. Goldfish might need to contact you if they have a question about the information you have provided them or they need more information from you to complete our investigation.

If any more information is needed Goldfish will try and reach you by phone or email to let you know they are trying to reach you. Please provide as many contact details as possible so we can help Goldfish to resolve your PPI complaint as quickly as possible. It can take up to 6 weeks for Goldfish to resolve PPI complaints, but is often sooner. In any event Goldfish should get in touch with you within eight weeks of your complaint even if they may require more time in which to resolve the matter.

Step 3: Complaint Response- Goldfish are obliged to provide you with a decision on your complaint within 8 weeks of receiving your complaint. However, in some cases this could take longer than 8 weeks, and if If does, then Goldfish should contact you to let you know that their decision has been delayed. Most PPI complaints are dealt with by Goldfish within 8 weeks.

How much will my Goldfish PPI refund be?

Goldfish will aim to put you back in to the position you would have been in had the PPI policy not been added. It is not possible to say exactly how much your Goldfish PPI refund would be until Goldfish have had the chance to fully investigate the circumstances of your PPI complaint and identified the amount of PPI that has been charged on the account.

However in general a Goldfish PPI refund is normally made up of the following breakdown:

  • The total of the monthly PPI payments made
  • Refund of interest charged on PPI
  • Refund of fees incurred due to PPI (this may include over limit, late payment, or insufficient funds charges)
  • Statutory Compensation- This is paid at the statutory rate of 8% from 1 April 1993 and at 15% before that date.

When will I get my Goldfish PPI refund?

If your Goldfish PPI complaint is successful Goldfish will write to you and us to advise that they have upheld your complaint and then payment will normally be made directly to you by either cheque or a direct payment in to your bank account from Goldfish if you have provided them with bank account details in order to receive the refund.

Is your Goldfish PPI Check Free?

Yes. Our Goldfish PPI check is completely free of charge. In fact we can check for PPI for Goldfish and any of their related brands such as Morgan Stanley credit card or Barclaycard.

Our free PPI check is not just related to Goldfish and the free PPI check can be used to check for any PPI sold by any of the other major UK lenders and other not so well known lenders.

I Have Forgotten The Name Of My Lender, Can I Still Check For PPI As I think It May Have Been Goldfish Are Responsible For?

To run a Free PPI check we will need to know the name of the lender who you would like to check with for PPI. If you are not completely sure if Goldfish or one of the brands that Goldfish are responsible for were your lender we can still check with them to see if they can trace you in their records and if they can trace any PPI information for you.

Please note that we cannot just keep on contacting lenders in the hope that they may have been your lender, so we would only check with Goldfish for PPI if there was a reasonable chance that you think they may have been your lender at some stage.

Can I still complain about PPI to Goldfish if I have cancelled the PPI policy or if my circumstances have changed?

Yes. To make a complaint about Goldfish PPI either fill out our Free Goldfish PPI Claim Check form or call our offices on 0161 872 7874 and ask to be put through to the new enquiries team.

I have been approached by Goldfish about PPI. What should I do?

You do not have to go directly through Goldfish to check for or claim back PPI. You are entitled to use a claims management company to check or complain about PPI if you wish to. Goldfish have to deal with claims management companies in the same way that they would deal with a client directly.

I have received a letter from Goldfish regarding my PPI but am unsure what to do now?

If you have received a letter from Goldfish and are either unsure what to do next or if you believe that you are affected by mis-sold PPI after receiving a letter from Goldfish then we would be happy to discuss this with you and advise you on what we believe any suitable options could be.

I have previously claimed on my Goldfish payment protection insurance, but still believe that the product was mis-sold, can I still claim for mis-sold PPI?

Yes you can still complain about the sale of the Goldfish PPI. This is because although you may have been eligible for the PPI, the PPI itself may have been sold incorrectly. There are many reasons why this could be the case, such as; you were told that the PPI was compulsory, you felt pressured to take the PPI cover, or you already had other separate insurances that may have provided you with the same level of cover as the PPI or more.

If you were successful in claiming back mis-sold PPI for a Goldfish sold PPI policy that you had already previously been able to use then Goldfish would simply just offset any previous claim amounts paid out against whatever the full amount it is that you may be offered from them as the result of a successful mis-sold PPI complaint.

I need help filling out the Goldfish PPI questionnaire but I cannot remember how the card and payment protection insurance was sold to me as it was a long time ago and I am having difficulty answering specific questions in the PPI questionnaire?

The PPI complaint questionnaire is voluntary and you are under no obligation to fill it out. However by providing whatever information that you can recall or provide in it you will possibly be giving your Goldfish PPI complaint a better chance of success.

This is because the PPI questionnaire provides Goldfish with pretty much all of the information that is required for them to efficiently investigate your PPI complaint.

Please rest assured, you do not need to provide us or Goldfish with any exact details in the PPI questionnaire, as the finances concerned may well have been taken out many years ago and you cannot reasonably be expected to recall everything relating to the finance or the PPI.

You should complete the Goldfish PPI questionnaire as best as you are able to remember and post it back to us so that we can check it and submit it to Goldfish who will then investigate our PPI complaint appropriately.

Can someone else help me claim about Goldfish PPI?

Yes. You are able to instruct whoever you may wish to claim for mis-sold PPI on your behalf. In order for someone to claim for mis-sold PPI on your behalf you would have to authorise them to be able to do so. This is normally done by you signing a form that instructs the PPI lender/bank who you wish to complain about PPI to that you wish for that person or company to proceed with a PPI complaint on your behalf.

So for example if you wished for DN Manley to claim for mis-sold credit card PPI to Goldfish on your behalf we would simply have you sign a letter of authority (LOA) that basically instructs Goldfish that you have instructed and authorised us DN Manley to complain on your behalf. The signed LOA would then be presented to Goldfish when we complain to Goldfish about mis-sold PPI.

When is the Goldfish PPI deadline?

The PPI Deadline date has been set by the Financial Conduct Authority (FCA). You now have until 29th August 2019 to submit your PPI claim to Goldfish. The PPI deadline is applicable to all PPI claims and all PPI lenders.

I have an existing Goldfish PPI complaint, how can I get an update?

When we process a PPI complaint to Goldfish on your behalf Goldfish have 8 weeks in which to investigate the complaint and they wil normally provide us with their final response within this time.


We will keep you updated throughout the claiming process and claiming period. However if at any time you would like an update on your Goldfish PPI complaint then please do not hesitate to contact us and we will be happy to assist you.


If you do contact us for a PPI claim update please try to have your DN Manley client reference number to hand if possible as this will ensure that we can handle your enquiry most efficiently.


What if I am still not happy with Goldfish after my PPI complaint?

You will have the option to take your PPI complaint to the Financial Ombudsman Service (FOS). Although please be aware that there are time limits as to what complaints the FOS can look in to and in any event your PPI will have to be escalated to the FOS within 6 months of Goldfish providing you with their final response letter in consideration of your claim.

My Goldfish PPI complaint is now with the Financial Ombudsman Service (FOS), what happens now?

We will provide the FOS with all of the information they require regarding your complaint, including copies of all of the communications that have been made to and from Goldfish in relation to the complaint.


Once the FOS have your complaint set up and begin to assess your case we will also work with them to ensure as quick a resolution as possible to your case.

Contact Goldfish to ask or complain about Credit Card PPI

Postal addresses for Goldfish PPI complaints:

Barclays PPI Dept, Leicester, LE87 2BB

Freepost Barclays PPI Complaints

Where else can I get more information and help on Goldfish PPI complaints?

There are a number of free sources of help and support related to PPI. The following websites provide information relating to PPI:

  • The Financial Conduct Authority (FCA) – regulate the financial sector and protect consumers. The FCA provides general information to help you understand PPI. But they cannot give you advice about your individual circumstances or complaint.

You can contact them on 0800 101 8800 or write to:

Financial Conduct Authority
12 Endeavour Square
E20 1JN

  • Financial Ombudsman Service (FOS) – a free, independent service for settling disputes between financial businesses and their customers. They can deal with complaints about a wide range of financial issues, including PPI.

You can contact them on 0800 023 4567 or write to:

The Financial Ombudsman Service
Exchange Tower
E14 9SR

You can contact them on 0800 138 7777 or write to:

The Money Advice Service
Holborn Centre
120 Holburn

You can contact them on 03454 04 05 06 or write to:

Citizens Advice consumer service
2nd Floor, Fairfax House
Merrion Street

  • Financial Services Compensation Scheme (FSCS)(opens in a new window) – If you think you were mis-sold PPI by a provider that has gone out of business, you may be able to claim on the Financial Services Compensation Scheme (FSCS). FSCS may cover you if you are, or were, a customer of an authorised financial business in the UK that no longer exists.

Please see FSCS leafletdownload (Opens in a new window) for further information or visit


Due to the PPI deadline of 29 August 2019 we are no longer taking on any new PPI Clients. We will continue to carry out work for the clients that we are already working on behalf of so that we can provide the best service possible to them.