How long does a bank remember bad debt?

eskbanker

xlnc99 wrote: »

i dont think you can compare shoplifting to missing a payment on owing a bank 100 pound and clearing it a year later due to some difficulties. Apples and oranges. One is a criminal offence and another is a civil offence i believe. The speeding ticket/points analogy would be more appropriate in this case.

It's not a perfect analogy by any means but I was using it to illustrate a point about offences where there's a clearly identifiable victim, rather than comparing severity as such.

xlnc99 wrote: »

They bank have conned the public for years and continue to do so.

What do you mean by that - are you referring to historical scandals or something relevant to this discussion?

xlnc99

I was being general and their charges to the public for the last God know how many years which i believe is relevant to the discussion.

Cannot believe how everyone is defending the bank after what they did to us all. We use them because we need too and have too and thats it.

[Deleted User]

“I’ve been hard done by so I’m going to start throwing accusations and anger at the banks”

Is how that reads

meer53

No bank would impose a lifetime ban. They're businesses, if you meet their criteria at some stage in the future, they may open an account for you, if they won't then that's their choice, there are plenty more to apply to. Even bankrupt folk can get bank accounts so I can't see the issue really ?

xlnc99

!!! wrote: »

“I’ve been hard done by so I’m going to start throwing accusations and anger at the banks”

Is how that reads

Not at all, every circumstances are different and on this occasion i am siding with the OP. For example, banks probably owe me in the thousands in terms of PPI/charges etc from back when i had credit cards/current account etc. Ive never once claimed just because of the fact it will probably stay on record and make it hard for me to get any services from them again in the future. I am entitled to do so but as i pointed out banks are a necessity so i had to bite my tongue as a figure of speech. I let them get away with it which further demonstrate my point that the bank has a strangehold on all of us consumers.

So that being said if i was in the OP position id feel hard done by, cant let the banks win everything. Whats fair is fair. A bit of give and take in my opinion.

[Deleted User]

Give and take?

They gave you money, you took it and scarpered with it.

Seems fair to take you back again right?

xlnc99

Just like the bank took our money and scarpered with it??

Seems fair?

gabanker

I have never been back to the bank I previously had a bad experience with as I am happy with my banks I am with now. I would suggest you ring that bank or contact them on twitter/Facebook with that query and maybe they can help resolve it.

eskbanker

xlnc99 wrote: »

Just like the bank took our money and scarpered with it??

Which bank took your money and scarpered with it? In your earlier posts it sounded much more like you took HSBC's money and scarpered with it, even if you belatedly repaid the company they sold the debt to....

xlnc99

eskbanker wrote: »

Which bank took your money and scarpered with it? In your earlier posts it sounded much more like you took HSBC's money and scarpered with it, even if you belatedly repaid the company they sold the debt to....

They took all our money and scarpered with it, including yours. Talking about all the PPI claims, overdraft charges, interest charged etc etc