Additional card holder on credit card account

Scooby99

So I had an account with cahoot who know I have gone bankrupt.

I was also an additional card holder on my Dad's cahoot credit card account. It hasn't been used in about 10 years. The balance is zero. I today removed myself as a cardholder. Cahoot have written to my Dad saying he is the one who has gone bankrupt and has a. Bankruptcy order and they will be writing to the credit reference agencies and he will receive a default notice. I presume this is a mistake?

The problem is I didn't want him to know I've gone bankrupt so I told him it was a mistake. Will it affect his credit rating in future?

National_Debtline

Hi Scooby99,


A secondary card holder cannot held liable for the debt, so this card shouldn't link your credit files (in other words there is no financial connection because of this card).


If the card has no balance and is up to date then there should be no adverse affect to your dad's credit rating. The letter appears to have been sent in error and you could consider making a formal complaint to the bank for disclosing this information as breach of DPA.


Laura
@natdebtline

fatbelly

Scooby99 wrote: »

Cahoot have written to my Dad saying he is the one who has gone bankrupt and has a Bankruptcy order and they will be writing to the credit reference agencies and he will receive a default notice. I presume this is a mistake?

It's absolutely a mistake.

He should also complain. All he knows is that he has NOT been declared bankrupt and so should seek their written confirmation that they will NOT be writing to the credit reference agencies and he will NOT receive a default notice.

The confirmation should include an apology and a small sum by way of compensation.

And he should keep an eye on his credit files in case they are that stupid.

Scooby99

Thanks guys. Excellent advise as always