Those darn banks......

paddyrg

£250 is pretty generous, they know they did wrong by the sounds of things, but any further action would be taken by the data protection registrar as opposed to you, and unless you can demonstrate more than £250 of damages, take it!

pendulum

I think £250 was excessive, I wouldn't have had the cheek to ask for anything.

gnaril

Accept it - Good on you, you get some cash for no financial loss at all.

Decline it- Let the bank inform you you can continue on your complaint to FOS. They will look at the case and determine if the bank has been fair and reasonable with their handling of your complaint and the compensation offered is in line.

You are totally crazed out of your mind mental if you think they will side with you and force the bank to offer more cash as a result of whats occured.

Thats my view - I have daily contact with FOS helpline.

All the best OP any free money is good money

dorothysmum

Thanks all, sounds like its definitely a fair amount - No wonder the guy on the phone sounded surprised when I didn't say yes!
I will accept their apologies & pay off some of the balance... will also buy a present for my still shell-shocked hubby!

Equaliser123

dorothysmum wrote: »

will also buy a present for my still shell-shocked hubby!

Sure you can afford it???

Without being nasty, you might want to think about building up the trust between you rather than thinking about how much you can "get" out of this situation.

sabretoothtigger

yes, it will be a joint mortgage.

No complaint is due then really. 250 is too much if anything, put it towards the bill and I'd be grateful personally though I can understand you feel its intrusion.
As far as I know credit checks do return exact balances as of the last cleared month on pretty much every normal finance account open in someones name

It also shows any month in the last few years you were late paying, did it get paid or did they have to take action or write it off. Fair bit of detail but could be worse

You can get them free online sometimes

Oopsadaisy

So you lie to your husband [by omission] and then blame the bank.

Still at least they didn't let on about the next door neighbour [phnarr, phnarr].

donquine

You don't say how much you owe, but if it's a lot, the bank may have done you a favour by telling your husband and getting it out into the open. You're clearly embarrassed by the amount, so now it's known, you may well feel more motivated to clear it quicker. Your husband may also want to help you clear the balance, rather than let you struggle on your own.

If the credit card debt arose due to you having issues with spending, rather than a big one off crisis that you had to pay for, your husband's emotional support will be invaluable in helping you tackle what drove you to rack up the debt in the first place.

Accept the £250, chuck it at the debt and keep apologising to your husband. You may well end up stronger as a result.

All the best clearing that credit card balance.