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Advice please. I received a £50 cheque other day from Bank regards a loan which was paid end 2010 & closed by bank Jan 2011. They said that I had been incorrectly charged £50 in 2007 by collection agency and they were refunding as should not have been charged. To cut a long story ..looks as though a number of people have received similar and so std correspondence. How my issue differs is fact that Bank has quickly admitted that they have sent all this to the wrong person. That my old loan was never outstanding etc and never in collections. Basically that an outsource company are at fault here as they surced my details incorrectly. Person should have gone to had same surname, similar post code, a male and younger age group. I was then asked if I had children!! Please advise on date protection law & what my financial claim would be here please.
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Re: bank breaking data protection
Claim for what? -
Re: bank breaking data protection
My claim would be the fact that my details were given to the outsourcing company by the bank when my contract was with the bank only..isnt that contravening data protection Act 1998?Comment
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Re: bank breaking data protection
I can't see anything whatsoever to claim for at this point a mistake was made it seems but you have been compensated.Originally posted by Tammie View Post
I suspect that some where in the banks Terms and Conditions that it may share data with third parties.
nemComment
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Re: bank breaking data protection
The letter with cheque states: We applied a £50 charge on your loan when we arranged a transfer of your debt from bank to J & J Collections which we should not have charged. I'm sorry that we applied these transfer charges in the past and this is to let you know that we are committed to putting it right. We should not have charged for transferring
It took me several telephone calls to query this letter as I had not been in collections. Noone could give me any info on my closed paid off account, nor the cheque. Not until I sent an email to chief execs office was anything looked into. I was then told that this LETTER AND CHEQUE referred to someone elses account ..not mine and such a thing had only happened once before. I'm awaiting executive office a letter to clarify.
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I was going to query how sharing of data was set up..whether there was a contract agreement in place for sharing of the data and whether the outsourcing Company worked under instruction from the Bank.Comment
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Re: bank breaking data protection
Several people on here my family included have received the same seems to be a phising exercise trying to get debtors to contact debt collectorsComment
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Re: bank breaking data protection
Outsourcing is common many financial organisations outsource " back office " function.
nemComment
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