Old bank account on credit file

dumpster_fire2025

sourcrates said:

I`d go down the complaint route first, child accounts cannot have overdraft facilities as you must be 18 in order to enter a credit agreement, there may also be a question over the limitation period, its well over 6 years old, and it should have defaulted in line with guidance a long time ago.

It looks as though the account has been left to go dormant, and just been forgotten about.

Use those arguments to get Barclays to write the debt off and clear the information from your credit report.

Possibly.

Minors can be held liable for "Contracts for necessaries" so it's not clear cut that they can't go overdrawn on a bank account if the purchase is for "necessaries."