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Should I pay for CreditExpert to find my credit card information? Abroad, nothing in Credit Club
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richiethom
Posts: 3 Newbie
Hello
I am starting to look into reclaiming PPI, as I had various store cards in the late nineties and early noughties. I can't remember many details though, so have signed up to the Credit Club to try and get some information from there, but it's not bringing back much information at all.
I moved to France in 2006 and so haven't been active at my last British address for 13 years, which I think explains why the Credit Club isn't finding much. Experian's Statutory Report is the same, it only provides the last 6 years' worth of data.
In this kind of scenario, is it worth signing up to something like Experian's CreditExpert for one month? Does that go back further in time?
Thanks in advance for any advice!
R
I am starting to look into reclaiming PPI, as I had various store cards in the late nineties and early noughties. I can't remember many details though, so have signed up to the Credit Club to try and get some information from there, but it's not bringing back much information at all.
I moved to France in 2006 and so haven't been active at my last British address for 13 years, which I think explains why the Credit Club isn't finding much. Experian's Statutory Report is the same, it only provides the last 6 years' worth of data.
In this kind of scenario, is it worth signing up to something like Experian's CreditExpert for one month? Does that go back further in time?
Thanks in advance for any advice!
R
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Comments
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No. The free versions give you everything - there's never any need to pay.
The same goes for claims companies - they can't find anything more than you can, even though they'll say they can, due to their magical powers.0 -
13 years after you left this country (and closed your British accounts?), there will be no providers/lenders who still have details of your old finance.
Sorry.0 -
So is there no way to find all the old credit card information from the early noughties because I've gone "off the radar" in the UK?0
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You can send Subject Access Request (SAR) letters to all your old providers, but expect nothing and you won't be disappointed.richiethom wrote: »So is there no way to find all the old credit card information from the early noughties because I've gone "off the radar" in the UK?
Sorry.0 -
Oh well, thanks anyway!0
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UK law (DPA then GDPR) requires firms to manage data responsibly, including not retaining data on people for no reason. The general guidelines in finance are 6 years after closing a product when a bank will either archive or delete the old data. 13 years after leaving the country, they should almost certainly have deleted the records so your only chance would be if they had archived them but even then, this might have been filed by account number so you'd need that to find them
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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