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Barclaycard Lifetime Ban
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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.
You can try that route and I'd be interested to see the regulators answer.
Whilst it is frustrating affected by historic information then it is also difficult to force a company to deal with someone they don't want to. It would be different if this meant you couldn't get any credit card but they are just one supplier it's surely just a question of moving to a different card supplier.0 -
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.
If it was sold to a DCA then it wasn't written off0 -
In a nutshell, ever default with a Barclays Credit Card you then get a lifetime ban !
That is simply not true.0 -
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.
If I was Barclays I would tell you to do one. People like you are always hard done by or a victim, yet you are the one that never paid back what you borrowed.0 -
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.
You failed to pay them £411 and you are the one complaining? They need not explain anything to you. You have dealt with them in the past...badly!0 -
foxtrotoscar wrote: »You failed to pay them £411 and you are the one complaining? They need not explain anything to you. You have dealt with them in the past...badly!
well they do need to explain, why are they holding historic debt longer than the allowed 6 years.
and applying this to decision's he was declared bankrupt 2010 and this would of been covered by that.
Banks are regulated and decisions made need to be done on a fair assessment of the users circumstance.
its fine being all it's our bank we'll do what I want with it, but they still have to answerable when a question like this is asked.0 -
fusionx212 wrote: »well they do need to explain, why are they holding historic debt longer than the allowed 6 years..
Drivel - there is nothing whatsoever says a company cannot retain a record of debt that was never paid, for as long as they want.fusionx212 wrote: »and applying this to decision's he was declared bankrupt 2010 and this would of been covered by that..
They're not trying to get that money back - they're just refusing to do business with the OP again. Which seems a prudent move to me.fusionx212 wrote: »Banks are regulated and decisions made need to be done on a fair assessment of the users circumstance..
And what is unfair? We lent this guy money in the past - we never got it back - the customer went bankrupt. We don't intend to make the same mistake again. Next please...fusionx212 wrote: »its fine being all it's our bank we'll do what I want with it, but they still have to answerable when a question like this is asked.
No they don't. Any more than if a bank you do not currently bank with ring you up and demand to know why you aren't banking with them. Do you feel they have a right to know? Or demand fair play when, unsolicited, they offer you a credit card and you refuse it?
Please get real.Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be
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If I was Barclays I would tell you to do one. People like you are always hard done by or a victim, yet you are the one that never paid back what you borrowed.
Quite!
Frankly, why should Barclays deal with you again, after you've failed to pay a previous debt to them and then calmly expect them to welcome back you as a customer?
Once bitten, twice shy!A cunning plan, Baldrick? Whatever it was, it's got to be better than pretending to be mad; after all, who'd notice another mad person around here?.......Edmund Blackadder.0 -
They can't sue you for the money after six years, or if you've gone bankrupt, but there's nothing which obliges them to forget that you ever owed the money.0
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fusionx212 wrote: »well they do need to explain, why are they holding historic debt longer than the allowed 6 years.
and applying this to decision's he was declared bankrupt 2010 and this would of been covered by that.
Banks are regulated and decisions made need to be done on a fair assessment of the users circumstance.
its fine being all it's our bank we'll do what I want with it, but they still have to answerable when a question like this is asked.
You are commenting on something you clearly know nothing about.0
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