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fletch70

Will banks 'remember' my bad debt

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I was wondering if banks will remember my bad debt even though they sold it on many years ago and it is no longer on my credit file.

 

I applied last year for a TSB account and after acceptance, once I supplied my ID my application was declined.

 

I have never banked with TSB although I did have a defaulted loan and current account with HBOS. Both long ago sold on and now Statute barred


Any opinion I give is from personal experience .

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Sold on should mean its forgotten really

But you never know what records they hold that plays a part


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There is definitely something funny going on but it may be my default from Santander on my credit file that is buggering it up.

Having said that I can get credit cards no problem .

 

I had two from Cap 1 even though we defeated Lowell in court for a 5K Cap 1 debt

I have two Tesco - one stupid interest the other 19.9% ,

Aqua with a huge credit limit of £6200 although the interest is horrific they do offer great exchange rates when buying in abroad .

Oh and a Barclaycard with a 0% balance transfer for 12 months.

 

The balances of all except the Barclaycard will be 0 by early Oct and will remain that way.

 

Borrowing is getting so easy I do see a new credit crunch coming very soon


Any opinion I give is from personal experience .

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Borrowing is getting so easy I do see a new credit crunch coming very soon

 

Despite a declared income of less than 20K, Amex have just given me a new card with a limit of over £6K. Also have a barclaycard with a 7.5K limit, though it's paid in full every month without fail. Whilst my credit file is squeaky clean and I know I'm not going anywhere near those limits, I do wonder about the wisdom of basically allowing me credit of more than half my income.


RMW

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