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Amex never forgets... an experiment.
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I would only say that anyone who thinks misdemeanours of an 18 year old should be held against him when he's 60, must think himself perfect. That was my example. I make no comment on the case of the OP (seven years), but merely suggest he contacts the ICO to see what they think about it.
It's not a "misdemeanour". The bank lent someone money and they refused to pay it back. How old they are is utterly irrelevant, it is completely sensible to never lend them money again.
And for the second time, there is a difference between being perfect and accepting the consequences of your mistakes. That is not my "opinion", it is a fact. You are wrong. Period.0
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