RBS - DPA Breach!

youthnovels

Forget it.

opinions4u

The handler who I spoke to didn't carry out any data protection questions with myself. She did, however, take my account number and then proceeded to give me my account balance, confirm whether or not I had an overdraft and attempt to help me with my enquiry.

They haven't breached the DPA.

They disclosed your details to .... you.

So I'd say you're lucky to have got anything.

I will be moving banks as I have had nothing but trouble!

Many years ago I had a customer who kept trying to trick my staff in to similar "errors". After two weeks I closed his account, sent him a cheque and let him select an alternative from the many on the high street.

I'm sure RBS will be delighted when you clear off. I hope the managers involved read your post on here tonight and realise that there's nothing to gain from increasing their offer to you. They may as well just withdraw the offer, close your account and let you irritate staff in another bank. Why the hell should my taxes subsidise you in these circumstances?

You're exactly the sort of customer that they don't want.

youthnovels

opinions4u wrote: »

They haven't breached the DPA.

They disclosed your details to .... you.

So I'd say your lucky to have got anything.

Many years ago I had a customer who kept trying to trick my staff in to similar "errors". After two weeks I closed his account, sent him a cheque and let him select an alternative from the many on the high street.

To be fair I didn't "trick" anyone. It was their errors in the first place that cause this to occur (completely different issue that they admit fault for!).

Yes they disclosed details to me. But did they know it was me. No. That's the point. I haven't had an apology I just got given the excuse that it was the fact the advisor was a trainee. I know from my experience with confidential information DPA is drilled into us at all times from the minute we start dealing with customers.

youthnovels

opinions4u wrote: »

They haven't breached the DPA.

They disclosed your details to .... you.

So I'd say you're lucky to have got anything.

Many years ago I had a customer who kept trying to trick my staff in to similar "errors". After two weeks I closed his account, sent him a cheque and let him select an alternative from the many on the high street.

I'm sure RBS will be delighted when you clear off. I hope the managers involved read your post on here tonight and realise that there's nothing to gain from increasing their offer to you. They may as well just withdraw the offer, close your account and let you irritate staff in another bank. Why the hell should my taxes subsidise you in these circumstances?

You're exactly the sort of customer that they don't want.

Oh so if the tables were turned and someone else phoned up and gave your account number, they then disclosed information about YOUR bank account you'd be happy?

The money isn't the issue here. The attitude is. If they hadn't debited (and credited!) my account wrongly FOUR times in the space of three days I wouldn't have any need to phone up in the first place. I then wouldn't have the worry of their trainee advisors being incompetent when it comes to a standard practice.

zppp

youthnovels wrote: »

To be fair I didn't "trick" anyone. It was their errors in the first place that cause this to occur (completely different issue that they admit fault for!).

Yes they disclosed details to me. But did they know it was me. No. That's the point. I haven't had an apology I just got given the excuse that it was the fact the advisor was a trainee. I know from my experience with confidential information DPA is drilled into us at all times from the minute we start dealing with customers.

But they have not breached the Data Protection Act. I think given that they offered you compensation they have apologised for the error. Humans can make mistakes, you need to accept that.

By the way, you can keep arguing if you please, but it won't change the response on this forum.

opinions4u

The money isn't the issue here

Yet in your first post you explicitly stated "I'm just wondering how much compensation I could expect". But it's not about the money, is it?

To be fair I didn't "trick" anyone

For the record, I never said you did.

Oh so if the tables were turned and someone else phoned up and gave your account number, they then disclosed information about YOUR bank account you'd be happy?

No. On more than one occasion I have advised posters how much compensation the FOS would consider to be reasonable in these circumstances. More than your £40, that's for sure. But these aren't your circumstances, so not relevant.

zppp

youthnovels wrote: »

Today I saw the branch manager, she apologised and blamed the advisor as they are only a trainee. She then offered me £40 compensation (without me asking for it!) which suggests to me they know they're in the wrong.

youthnovels wrote: »

I haven't had an apology I just got given the excuse that it was the fact the advisor was a trainee.

Oh and get your story straight as well. More holes in it than a certain type of cheese.

YorkshireBoy

youthnovels wrote: »

I have wrote a strongly worded letter quoting section 55 of the DPA act

Which bit did you quote? Here's the section for reference...

http://www.legislation.gov.uk/ukpga/1998/29/section/55

and used my background knowledge

Which is?

quoting the Financial Services Authority

What did you quote, specifically?

and hinted at the threat of legal action (far fetched I know!).

As o4u says above, you'll sound like you're simply trying it on.

I'm just wondering how much compensation I could expect in these circumstances?

You'll probably be compensated for your losses. What are they? You may also receive something for 'distress and inconvenience'. How much have you suffered as a result or their 'error'?

Speaking as someone who has highlighted DPA breaches to one of my banks, and received £150 goodwill*, you're going about it in entirely the wrong way.


* There's a difference between compensation and goodwill...some more "background knowledge" for you.

opinions4u

YorkshireBoy wrote: »

Here's the section for reference...

http://www.legislation.gov.uk/ukpga/1998/29/section/55

I never realised there were so many get out clauses for banks and other companies on this!

YorkshireBoy

opinions4u wrote: »

I never realised there were so many get out clauses for banks and other companies on this!

I would imagine RBS's defence will lie in the very first sentence of that section, namely "knowingly and recklessly".

Still, lets wait and see how the OP gets on.

youthnovels

Forget it. I thought this place was supposed to help. If you don't agree with what I'm doing, respond, make your point, leave it at that. I have never been on a forum that has jumped down someones throat so quickly.

Yes, my post had flaws in it. If I were to go into details you'd one understand why I am at the end of my tether with RBS. They are single handedly ruining my credit rating by taking me into an un-arranged overdraft on a monthly basis by charges which should not be there (and they have admitted to the mistake, promise to fix it then the next month the same "administration error" occurs again), I have had the promise of letters from them with their commitments in writing which three weeks later I am still waiting for and once again my bank is currently minus and won't go back into the black until midnight when they credit my account again. Another issue which I intend to take up with them once I have obtained all the evidence I require.

And we all know that a "goodwill gesture" generally speaking covers up something, when the customer has a right to complain but hasn't experienced any loss as such. In layman's terms they've slightly messed up.

At the end of the day, their trainees obviously aren't being briefed on the importance of DPA. End of.