Barclaycard Lifetime Ban

ALIBOBSY

If Barclaycard are doing this it directly contradicts their own statements regarding data retention for PPI claims. They have repeatedly said they only keep 6 years records in response to peoples claims, the ombudsman and the ICO in regards to PPI claims.

So either they keep the info forever or they don't and to keep a list of defaulted accounts without any backup details wouldn't seem to be legally correct.

Perhaps they only mean defaulted accounts that they still consider "open" I.E still have an outstanding balance and haven't been sold on in full to a debt collector, or if they customer has other current products with them that this old account default is linked to?

Ali x

boo_star

ALIBOBSY wrote: »

If Barclaycard are doing this it directly contradicts their own statements regarding data retention for PPI claims. They have repeatedly said they only keep 6 years records in response to peoples claims, the ombudsman and the ICO in regards to PPI claims.

So either they keep the info forever or they don't and to keep a list of defaulted accounts without any backup details wouldn't seem to be legally correct.

Perhaps they only mean defaulted accounts that they still consider "open" I.E still have an outstanding balance and haven't been sold on in full to a debt collector, or if they customer has other current products with them that this old account default is linked to?

Ali x

I don't see why that's the case.

They have a list of "bad" customers (that they're entitled to have under the DPA.)

They also don't retain records for "good" customers past 6 years.

The two are not diametrically opposed.

giblet10

I did an IVA in 2006, paid off fine 5 yrs later etc - Barclaycard was one of those in my IVA. Three years ago I applied for a card with them and they responded with a firm no, stating previous bad behaviour. Then, I applied for a Hilton (operated by BC) back in Jan this year and got instant approval with £10k limit. So if there is a lifelong blacklist, I'm not on it - or I slipped through the net.

On a more general note, of all of those who were in my IVA, only Amex has refused to give me another chance.

Before anyone judges me:
a) I am trying to be helpful here to those wondering if they, like me, get a second chance
b) I was stupid, young and made a huge financial mistake back then - my life has changed tremendously since then
c) I only talk about my IVA when it is relevant and considered helpful to others

bigadaj

giblet10 wrote: »

I did an IVA in 2006, paid off fine 5 yrs later etc - Barclaycard was one of those in my IVA. Three years ago I applied for a card with them and they responded with a firm no, stating previous bad behaviour. Then, I applied for a Hilton (operated by BC) back in Jan this year and got instant approval with £10k limit. So if there is a lifelong blacklist, I'm not on it - or I slipped through the net.

On a more general note, of all of those who were in my IVA, only Amex has refused to give me another chance.

Before anyone judges me:
a) I am trying to be helpful here to those wondering if they, like me, get a second chance
b) I was stupid, young and made a huge financial mistake back then - my life has changed tremendously since then
c) I only talk about my IVA when it is relevant and considered helpful to others

Fair enough, useful info, but as you say whether your experience is representative is difficult to know.

I don't think you can blame a provider for not dealing with you if you owed them money historically. This is certainly the case given the number of providers, if this stopped credit opportunities to you more widely then I think that might be considered unfair.

It would be interesting if you provided more detail on your iva, as situations obviously vary hugely, some people pay all the debt with frozen interest, some a percentage and some pay a nominal amount, each of those circumstances is different.

People get into problems for a range of reasons, some of which will be more sympathetic or understandable than others. However from an objective perspective as a lender, the reasons for default matter less than the fact the money isn't repaid.