New bank accounts and old CC debts.

[deep in the whatsit]

I posted a while back about my concern when opening a Santander current account that they had my details on file already.

This was from a cahoot loan/credit card combination account.

 

Going back to 2006 ish i had a lot of credit card debt and totally stuck my head in the sand and ignored them all.

I tried to explain being off work on the sick to MBNA or Citi or Capital One i forget which now.

But they were not helpful at all and wouldnt do anything until i had missed a payment.

So they whacked charges onto charges and i had nowhere to turn and ignored them

 

Moving on and they were all statute barred and nothing ever paid to them, not proud but circumstances gave me no other options.

 

When i opened my account and they mentioned the cahoot details

i had a panic moment and thought they would take the money away to pay the old debt.

 

 

Nothing was ever mentioned but when opening the account the manager sat in taking notes but said nothing.

To make matters worse i opened the account with my partner so she will be linked to me now also.

 

Looking to change accounts now and wonder is it safe to choose a company linked to any of the credit cards i had all those years ago?

 

How many of these cards are linked to accounts and am i worrying over nothing after all this time?

 

A call blocker on my landline now means it rarely rings.

I was still getting dodgy calls at all hours of the day and night until that was installed.

 

The 2 email address that i used for the banking still gets tons of spam every single day, although the tempting offers of cheap consumer goods and PPI protection and offers of loans have reduced now.

 

Rather more than a coincidence that out of 14 AOL email addresses the only 2 that get the spam are the 2 i used for banking.

Even the ones used for chat which used to get harvested do not get anywhere near that much spam.

The domains are mostly registered in Bermuda.

 

If my memory still works i had these cards/accounts Citi, Capital One, MBNA, Monument, Cahoot CC/Loan, Barclaycard.

Its embarrassing to see all that now but credit seemed easy back then.

 

I think thats the lot? Any banks not safe to open an account with?

 

You maybe pleased (or not) to know i have stayed debt free since.

I have one credit card with a small limit thats paid off 100% each month.

I do not wish to make that mistake again.

 

Thanks all

[dx100uk]

sb'd they cant do anything IMHO.

[deep in the whatsit]

Thanks.

I have been told that banks can take funds even though it maybe statute barred, were they wrong?

My last payment towards the debts was approx August 2006 so statue barred before 2013.

 

 

I know the Santander had my details on file and i was curious as to why the Manager sat in whilst we opened the account.

 

Making sure i was genuine and not going to run up debts?

If he had doubts about me opening the account would he have said no?

 

Thanks.

[dx100uk]

it is rare for banks to off set upon such old debts.

[deep in the whatsit]

Is it normal for the manager to sit in on an account opening? Would my past history have affected

that and he had the decide whether to allow us to open it or not?

 

Seemed strange to me. Especially when they found my old emails address etc on file.

[maroondevo52]

Did you ever get this sorted.

[deep in the whatsit]

Maybe me worrying too much?

 

 

I have switched to first direct and no problems so far.

 

 

Shame i have no money to put into it, I have had my ESA stopped.

 

 

Getting a mandatory reconsideration in now and hoping to be able to get some more evidence from the doctors,

 

 

but it seems they dont like having to supply this because its a lots of work and they appear to have had a run of them.

 

 

I may have to pay for it?

 

 

Thanks for asking.