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Barclaycard / Barclays Finance - Same Thing?

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Hi,

Owed Barclaycard a grand or so in my youth so got defaults etc chased for it all that jazz.

Some 15 years later obviously am a lot more financially sound, have a credit card with Nationwide and no debts showing on my credit report(s) my credit score with Experian is 1001 and with Equifax it says 'U iz Uber Cool' [Note - Jokes okay?!]

Applied for, and failed with, a fincance agreement for some Apple products who were doing a 10 month interest free credit offer on products - the finance is arranged through Barclays Finance.

I think it's been discussed before, if you owed money to a company, dont bother going back again as they blacklist you for life however the simple question is, are Barclaycard / Barclays Finance the same company (the name probably gives it away durr!) but I can think this is the only reason for the thanks but no thanks letter?

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