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Hello my name is ***** ***** I will help you with this.
Is it only on the basis of the CCJ?
The answer is yes. Although its marked as satisfied it will remain on your record for 6 years.Banks tend to be more cautious when a CCJ when a CCJ us under 12 months old.
But yes, they can do this and it is legal.
If you are unhappy you can raise a formal complaint. If that is not upheld then you can complain to the Financial Ombudsman. They offer a free, independent service at: www.financial-ombudsman.org.uk
That may resolve it for you. Can I clarify anything for you about this today please?
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