Barclaycard Lifetime Ban

agrinnall

GingerBob wrote: »

Thanks, but I'm already familiar with it. As you can see, what Barclays are doing is - as I first said - probably incompatible with DP legislation. However, those ƒeckless chumps at the ICO have couched all the data principles in terms that are ambiguous in the extreme and open to just about any sort of interpretation, hence the use of the word probably.


Essentially what Barclays are doing here is blacklisting someone for life. If it ever went to court I'm sure this would not stand up.

And it could equally be probably compatible, what is your evidence to be so sure that it's probably incompatible? Or is it just another opportunity for you to rant against banks, and now the ICO seem to have joined your irrational hatred list.

bengalknights

I know amex operate this policy as well also the same with citibank i believe

Volcane

I was very stupid with Lloyds approx 1995 and, despite a clean credit history with CRAs for some years now, Lloyds bank still won't touch me.... Not that I blame them.

I suspect it all comes down to amount owed and whether it was thou simple non-payment, bankruptcy, or fraud that determines the length of ban.

mwarby

Rovato1 wrote: »

Barclaycard have just advised they hold onto past information even thou my credit file is in very good standing, the Applications Manager advised if you have ever defaulted in the past should it be 20 years ago you will never get another credit card.

In a nutshell, ever default with a Barclays Credit Card you then get a lifetime ban !

Was this in writing, or over the phone. If the latter it's quite possible that you were told an internal urban legand, by someone trying to be helpfull, but infact clueless

Thrugelmir

Technology is making blacklisting even easier than in the past. As has been said previously it's a commercial decision. Who wants to do business with a customer that doesn't settle their debts. Tough but fair.

There'll be many people that in the future that regret defaulting or thinking that they've got the better of finance houses but offering partial settlements. Finance is an interconnected world. Credit cards, car finance, personal loans and mortgages to name a few. Default on one the others may well also be inaccessible.

glentoran99

all this talk of blacklisting etc is stetching a bit as to whats actually happened here, He still owes them money, they aren't going to give him credit,

mwarby

indeed, it maybe different for those who went for a formal insolvency, as the debt isn't still outstanding, the OPs debt may still be live.

catwoman73

I've had the same from Santander but they've now let me back in after about 10 years of settling an IVA with probably all but a few hundred pounds not paid back and they've now let me have a 123 current account, credit card and £10k loan (to pay for a house extension above what I saved up - not falling back into slippery slope of debt and financial circumstances now totally different).

daniel86_2

What happened to the debt after you defaulted was it paid off or sold on or is the debt still owned by Barclays ?

Rovato1

The outstanding amount of £411 was written off and sold to a debt collecting company. I was bankrupt in 2010 so would have fallen under the bankrupty. I have contacted them again and advised I was their clear answer in writing. I can't see how a company can hold my personal details when I have no dealing with them. Its now down to principle and I intend to allow them to deal with the matter in house, if that fails report to the FOS. Ive heard of similar stories about people defaulting in the past and getting another card. If every bank or company had this rule imagine the amount of people in a very difficult situation.