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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DOnt go with TSB... Not after their fiasco with IT etc

Also if it was HBOS then The records DB of TSB should be separate now and wont have any accounts from the Lloyds TSB reign of terror.


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Receptaculum Ignis


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  • 2 weeks later...

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.


"If you want my parking space, please take my disability" Common car park sign in France.

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