It could be worse then you think! If you had a direct debit with LV to settle in full each month, it may not have been used for the September statement - so Goldfish will no doubt apply an interest charge! Also when you receive your new direct debit mandate from Goldfish you may not be given the option of slecting the minimum or full amount. On my form there was only a tick box 'for Goldfish use only' with a greyed out tick for the minimum amount.
My advice would be to treat Goldfish with extreme caution. LV also seem to have a lot to answer for.