breech of data protection --compensation??

gliden

KellyWelly wrote: »

Crikey, I've never seen such vile flaming on these boards! I think the OP is right to be really ticked off, if they had transferred the money to somebody other than her husband you would all be as outraged as she is, and it is no different - it wasn't a joint account and the OP should be the only person who can get access to it.

I would hope the bank will recover the money immediately that they have given to a 3rd party in error and not penalise you at all financially for their mistake. I would have thought that was their minimum legal obligation. As for a token gesture of compensation - why not? They wouldn't think twice about charging her if she made a financial error.

As for the OP being 'deceitful' and a terrible untrustworthy person - where on earth do you all come from? I would have said she was a smart woman to have a little nest egg put away. For all you know she lives with an abusive husband and is saving up to escape. Or maybe she is putting money away to keep a spendthrift husband from wasting it. Maybe she has her own money and quite rightly does what she pleases with it, including saving it in her own private savings account. Maybe she even put money away on the QT to pay for some sort of surprise treat?

Everybody has secrets from their partner, (and that's EVERYBODY). Some people have run up tens and hundreds of thousands of pounds of debt and kept it from their partner and I've NEVER seen them get flamed when they come for help, yet the OP actually SAVED money in an account and gets called vile scum, deceitful and untrustworthy. Mixed up much???? Nobody has the right to judge her on here - and if you feel like you are financially and socially savvy and virtuous enough to do so then maybe you don't need the help and support offered here?

thanks i have never used this before but the abuse i have encounted is unbelievable its true you don't no the reason i had it separate and i dont wish to go into personal reasons why.

but it wasnt like i said i was going to claim hundreds i just wanted my acc rectified and maybe a little for my time of 1hr+ spent complaining etc, i was asking adv if anyone had had something similar!. but incase anyone gets anything similar- they fortunately can transfer it back without taking my over this years allowance and have refunded my calls- so i am happy it is now sorted and i havent lost out for their error.
:j

Chillers

I'm really suprised to read this, I use other forums and have never come across one where people are so judgemental and rude to others.

dunstonh

This section is not normally that aggressive. However, the tone of the post made by the OP encouraged the responses received. The OP set the tone in post #1 and the responses followed that tone.

Phrases like "major breach" and "i want compensation" along with multiple use of question marks (indicating incredulity), for what is a minor clerical error that a bank can put right in no time are always going to get peoples backs up.

You can really help yourself by wording things better and not coming across as some hysterical individual trying to scrounge lots of money out of someone for what is a minor issue.

Chillers

Hmmm, I suppose I am just used to it -working for an insurance company, people phone up and band about these types of comments all the time. I just take it with a pinch of salt and remember that they are less educated in the world of finance and thus don't really understand what is a breach of data protection, and what warrants compenstation as opposed to reimbursement etc. But I take your point on wording...

daleigha

this happened to me too - me & OH have a joint account, and a seperate account each too, and he went to move money from his ISA in the joint account, and they moved it from mine instead - i think you are right to be furious - i know i was!! :mad: they said because we had a joint account all our accounts were linked, and because he went into the bank with only his current account details (which also have nothing to do with me!!) they just brought up that account on their system & whipped the money out of the first ISA they saw - which happened to be mine - which i find shocking - for all they know we could despise eachother but have a joint account for DD etc until we totally split or something (this isnt the case, but it could be for all they know!!) i didnt do anything about it - they moved the money back into my ISA, but it took part of my tax-free amount for that year, which i wasnt too pleased about!!

whilst this was clearly a breach, i dont think it could be called a data protection issue, but it still is a major issue!! i was happy enough with an apology from the bank, and the fact that a very embarressed person from the bank had to explain what they had done!! although this is the same bank that allowed my OH's account to become overdrawn when his mum wrote a cheque and signed it from his chequebook (in error - she thought it was her own - they have the same first initial and surmame!!) and they allowed it through, and tried to charge him for it!! :eek: :eek: banks - sometimes i think i would be better to keep my money in a shoebox under my bed lol!! :rolleyes:

LittleVoice

daleigha wrote: »

i didnt do anything about it - they moved the money back into my ISA, but it took part of my tax-free amount for that year, which i wasnt too pleased about!!

But it should not have done. You didn't ask for the withdrawal: it was an error on their part which they should have rectified. There is a procedure for them to follow to allow this. If you really wanted to use the tax-free savings amount which you "lost" then you should have had it reinstated as now you will be losing that benefit in perpetuity - or until you want to take the money out any way or the ISA accounts are withdrawn.

nearlyrich

I got half the amount of the money I had in a sole name savings account as compensation when the bank changed it into a joint account instead of just changing my surname when I got married.

It's a breach of confidentiallity if the bank tell anyone anything about your bank account even if it's your husband or wife. If it was meant to be a joint account it would be, and before I get flamed for having seperate accounts it's worked for us for nearly 20 years, we have never had a cross word about money and we actually don't have any secrets about money either.

LinasPilibaitisisbatman

nearlyrich wrote: »

I got half the amount of the money I had in a sole name savings account as compensation when the bank changed it into a joint account instead of just changing my surname when I got married.

It's a breach of confidentiallity if the bank tell anyone anything about your bank account even if it's your husband or wife. If it was meant to be a joint account it would be, and before I get flamed for having seperate accounts it's worked for us for nearly 20 years, we have never had a cross word about money and we actually don't have any secrets about money either.

But theres nothing here to say they told her/him anything about each others accounts

Your situation is very different, this is a simple clerical error which the OP is trying to spin into something for their own gain