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Barclays - Old Closed Account (circa 1996) Data Still held - what can i do?


veester
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I had an account with Barclays which closed in 1996.

 

I paid the balance over a period of time - and came to an agreement on full and final settlement. :grin:

 

No CCJ and nothing on the credit file - However when i tried to open an account in 2002 it was declined based on internal information :mad::eek:

 

Is that legal? What can i do about it? :confused:

Veester

 

"Challenges are what make life interesting; overcoming them is what makes life meaningful." -- Joshua J. Marine‏ ;)

 

Better than the truth itself is truthful living.

 

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Hi Veester,

 

The bank is free to deny a/c facilities to a new applicant based on any info held internally or by an outside agency.

 

TBH, I'm not surprised - if you paid a F&F settlement, I assume you didn't repay the whole debt after the a/c went "out of order".

 

What can you do about it? - after 6 years, not a whole lot.

 

Slick

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Thanks slick132 :-) Thught as much.

 

Though arguably why offer someone the offer of F&F/Not paying the full amount and then penalise them for it????

 

So you might owe another £2000k on a loan when they F&F - But by registering a default you are essentially putting that inidividual into a bracket where they could 1000s interest on any other finance they might get??? Technically bias and against someones rights (my argument anyway!)....One that's being used by a fair few people at the moment...

 

:-)

Veester

 

"Challenges are what make life interesting; overcoming them is what makes life meaningful." -- Joshua J. Marine‏ ;)

 

Better than the truth itself is truthful living.

 

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