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A few years ago I took action against Nat West and RBS having discovered problems with my credit reference. I only found out when I attempted to obtain credit and buy a remote flash for my camera. What happened was that I took them to the county court and the claim was that I wanted compensation for £280 for the flash that I was unable to obtain as a result of my credit report. Looking back this had to be the worst case ever and as I was unemployed had to do it all myself. I did not discover your forum at that point but later posted on it.
What happened in court was unusual. The county court judge was convinced that they had treated me badly and wanted me to supply a figure for costs. I was wrongly advised that I could charge a layers rate for calls and letters. It is my opinion that if I had given a reasonable figure I would have got it based on the way I had been treated. At the end the Judge turned to their barrister who was claiming £400 and was told that he would get nothing because of the way his client had treated me.
I could do with your advice on this next bit. I obtained a letter from the ICO finding that they had broken the data protection act. They admitted in a letter and offered me a £350 in compensation. I had spent 20 hours on the phone which I recorded and lots of letters were posted. This came to more than £350.
With this last statement could I take them to court about the damage they had done to my credit report, there denials initially followed by an admission and an award of £350. The thing is I see this as a totally different issue. In the first case It was about the cost of a flash which I was unable to buy but as it was stated as I did not buy the flash I was not out of pocket. This time it is about my credit reference and the findings of the ICO.
I wrote to them a very polite letter stating that I would be happy to sign a confidentiality agreement at accept £80 which I felt was reasonable after 2 years of fighting them. They replied that they were satisfied has they had a ruling in their favour (No £400 though).
I would like some guidance on this issue please.
What happened in court was unusual. The county court judge was convinced that they had treated me badly and wanted me to supply a figure for costs. I was wrongly advised that I could charge a layers rate for calls and letters. It is my opinion that if I had given a reasonable figure I would have got it based on the way I had been treated. At the end the Judge turned to their barrister who was claiming £400 and was told that he would get nothing because of the way his client had treated me.
I could do with your advice on this next bit. I obtained a letter from the ICO finding that they had broken the data protection act. They admitted in a letter and offered me a £350 in compensation. I had spent 20 hours on the phone which I recorded and lots of letters were posted. This came to more than £350.
With this last statement could I take them to court about the damage they had done to my credit report, there denials initially followed by an admission and an award of £350. The thing is I see this as a totally different issue. In the first case It was about the cost of a flash which I was unable to buy but as it was stated as I did not buy the flash I was not out of pocket. This time it is about my credit reference and the findings of the ICO.
I wrote to them a very polite letter stating that I would be happy to sign a confidentiality agreement at accept £80 which I felt was reasonable after 2 years of fighting them. They replied that they were satisfied has they had a ruling in their favour (No £400 though).
I would like some guidance on this issue please.
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