Do you read the T&Cs? Check this one...

batvink

I found a new condition in the T&Cs today, when applying for a Lloyds / TSB credit card...

You may administer my account and provide other services from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data protection laws as the UK.

How about that for washing your hands of any responsibilities!

rudedog_2

Dosn't exacly make you feel all safe and secure does it!!
I can just imagine Lloyds refering you to the terms and conditions after you complain to them about identity fraud....

batvink

Rudedog, "Identity Fraud" is the term I was searching my brain cells for! I've changed the title of this thread, it says it so much better than I did

Rafter

Lloyds cannot absolve their responsibilities like this.

They are operating as a UK company holding UK customer data and therefore they must comply with UK Data Protection law whereever in the world they are operating the account from.

Amazing that they would even risk inserting this clause!

R.

zincoxide

Like most T&C's this counts for nothing, if it was to be challenged legally then the consumer should/would win.

Like Rafter says, they must comply with UK laws no matter where they are operating from as they are a UK based company.

Looks to me like they are simply entering this clause to try and protect themselves if something goes wrong, wrongfully this means that some people will accept this but as we all know, this should be challenged!!

YorkshireBoy

Rafter wrote:

Lloyds cannot absolve their responsibilities like this.

They are operating as a UK company holding UK customer data and therefore they must comply with UK Data Protection law whereever in the world they are operating the account from.

Amazing that they would even risk inserting this clause!

R.

The key issue appears to be one of "consent".

Section 8.2 of the Information Commissioner's "DATA PROTECTION ACT 1998 International Transfers of Personal Data" publication deals with overseas compliance with the "8th Data Protection Principle"...

http://www.ico.gov.uk/cms/DocumentUploads/international%20transfers%20of%20personal%20data.pdf

I've only had a brief read, but it appears that because you "consent" by signing the form then you have little/no comeback.