visa account updater

pmciver

Hi,
Is anyone aware of the VAU (www dot visadps.com/services/visa_account_updater dot html) as Nationwide has provied my updated card details to Admiral as they are a member of this service? Admiral have then charged me for an address change which I was disputing as I never recieved the documents (as this is an admin charge). Is this not a breach of the data protection act as I am not aware of an exclusion for banks?

Thanks,
Paul
:eek:

Tilly_O

I was buying something yesterday through a shopping channel website and when I reached the checkout I was faced with a card number and expiry date I didn't recognise. I contacted customer services and was informed that this was my updated card (the one I am using is due to expire next month). When I queried how they had these details I was advised that they were provided by VISA updater. As I haven't yet received my new card I was rather annoyed that this info had been provided to a third party.

I have spoken with various people at the bank and feel I am being given the runaround. I am being told that they do not provide such info to third parties. I do not have an account with VISA but my card is a VISA debit card provided by my bank. It is not clear to me why an organisation is liaising with third parties and providing them with information which a, I haven't yet seen, and b, giving info that I should have under my control. How does this happen under the Data Protection legislation?

stclair

This service has been available for a long time.

http://www.visadps.com/services/visa...t_updater.html

http://www.visaeurope.com/en/busines..._payments.aspx

dalesrider

pmciver wrote: »

as Nationwide has provied my updated card details to Admiral as they are a member of this service? Admiral have then charged me for an address change which I was disputing as I never recieved the documents (as this is an admin charge). Is this not a breach of the data protection act as I am not aware of an exclusion for banks?

Thanks,
Paul
:eek:

No. Admiral got the details via the VAU system. Nationwide had no part in them giving them your card details. As it is a visa card. ALL their cards are avaiable via the system.

When you take the visa card. You agree to this. So no breach of data protection. As well as the fact the card no is not your property.

Would the change of address have anything to do with why you never recieved the docs????

grumbler

dalesrider wrote: »

When you take the visa card. You agree to this.

Agree to what? The only. I agree to. Is that. The new card details. Will be passed. To the card scheme provider.

pqrdef

Why does Visa need personal data? So far as I can see, all they need to do is regsiter merchants and card issuers and maintain lists of BIN numbers.

chattychappy

Credit card numbers are personal data, even though the card itself remains the property of the issuer.

My Nationwide CC T+Cs state:

"If we change your credit card number and/or expiry date we will notify the card scheme provider. We will attempt to process recurring transactions, but you will need to contact the supplier to tell them of any change to ensure that recurring transactions continue to be processed."

I think that this is reasonable. It does fall short of saying that the data will/could then be provided on to the merchant. (They are hedging a bit in the event you don't update merchants yourself - presumably because not all merchants use the update scheme.)

So I think Nationwide have your consent to update the card scheme provider with changes. No doubt there is something in the agreement between Nationwide and the card scheme provider that information won't be passed onto merchants unless merchants have obtained consent from their customers.

On that basis, Nationwide would be in the clear from a data protection point of view.

So do Admiral have this consent from you (in their T+Cs or elsewhere) to obtain updated details from the card scheme provider? I feel that this permission would have to be express. Ie it wouldn't be enough for them to claim that they had your implied consent because it was a CPA or you'd opted for auto-renewal.

dalesrider

grumbler wrote: »

Agree to what? The only. I agree to. Is that. The new card details. Will be passed. To the card scheme provider.

And part of the agreement retailer sign is the right to request new card details via VAU.

dalesrider

pqrdef wrote: »

Why does Visa need personal data? So far as I can see, all they need to do is regsiter merchants and card issuers and maintain lists of BIN numbers.

Visa are not passing any pesonal details.

Admiral request payment via the old card. Visa systems tells them card is dead. New card details are then requested.
Note ONLY CARD DETAILS... No name address etc.

dalesrider

The problem here is that the OP has replaced the card as they are in dispute with a retailer. To stop the retailer taking the money.
Admirials charges are in the T/C. So don't know why the OP was expecting them to send advice of payment. They would have been advised on the phone when they updated the details.

Think of it like someone owing you money. They give you a cheque and then stopping it before you cash it... How would you feel.

chattychappy

dalesrider wrote: »

The problem here is that the OP has replaced the card as they are in dispute with a retailer. To stop the retailer taking the money.

The OP just said that the card had been replaced. Could be as you say. Could be your "sharp end" cynicism!!

dalesrider wrote: »

Admirials charges are in the T/C. So don't know why the OP was expecting them to send advice of payment. They would have been advised on the phone when they updated the details.

Think of it like someone owing you money. They give you a cheque and then stopping it before you cash it... How would you feel.

Yep, if indeed that is what the OP did (cancelled the card for that reason). In the case of a cheque, you would nevertheless have a claim against the bank if they cleared the cheque after you had
issued a stop instruction.

(As an aside: Many years ago I had a dispute with a customer who gave me a cheque which bounced. It hadn't been stopped, but the customer had changed the mandate in the meantime so as to require a second signature. My view was that this was deliberate. Anyway ended up in court over this and a number of issues. Total amount involved was about 10K. Judge took the view that in the absence of evidence of dishonest intent, he had no problem with the bounced cheque. It would have been different had it been stopped. Not relevant here, but it still hurts!)

The OP here feels (s)she has a legitimate dispute.

My interpretation was that the OP was more concerned with the data protection issue:

pmciver wrote: »

Is this not a breach of the data protection act as I am not aware of an exclusion for banks?

as presumably now the money's been paid it will be more of a hassle to get it back.

Perhaps now a few people have replied, perhaps the OP can clarify.

[Just noticed that the OP was 2011, so a bit unlikely!]