Credit Limit Increase and Payment History

LFCfan

Hi all,


I use Noddle for my credit history details but since some of my debt has been sold by the original creditors (MBNA and Barclaycard) I cannot see the history of when credit limits were increased and my payment history.

Am I able to get this information from the orignal creditors? Or is there anywhere else this will be available?


Many thanks in advance.

sourcrates

You can request old statements at any time, however now the debt is sold on, its just a balance owing, nothing more.

The new owner will contact the original creditors for the information should you request it.

LFCfan

Thank you.
Ideally I want details of when they increased my credit limit themselves and if I was making minimum payments at the time - trying to see if they were irresponsible in doing so based on payment history at the time.


Should I go to PRA for this now they have the debt, or the original lender?

Sncjw

Are you trying to say because the increased the limits it made you spend more whilst paying minimum payment.

You don!!!8217;t have to spend to the limit you know

LFCfan

Sncjw wrote: »

Are you trying to say because the increased the limits it made you spend more whilst paying minimum payment.

You don!!!8217;t have to spend to the limit you know

I understand that. I'm simply suggesting they haven't acted responsibly by putting up credit limits unprompted when they can see I have been at the limit and only making minimum payments. If there is a bad history there, they shouldn't raise the limit. I'm interested to find out if that was actually the case or not.


I'm not suggesting I'm not culpable for one second.