Lloyds Advance Credit Card and Lloyds Bank

loveandlight

Does anyone know if it is legally acceptable for Lloyds Advance credit card company to share info on how you manage your credit card to Lloyds Bank where you have a current account as well?

Scarpacci

Yes, it is. The Lloyds TSB Advance card is offered by Llloyds TSB Bank plc, the same company with whom you have a bank account, so data will be shared. The terms and conditions ( http://www.lloydstsb.com/media/lloydstsb2004/pdfs/advance_tsandcs.pdf ) make it clear they can share the data within the Lloyds Banking Group company (which includes Halifax and Bank of Scotland) and with certain outsiders too. It is acceptable and to be expected.

loveandlight

That's very helpful, thanks. Is there a way as a consumer we can check to make sure the data that is shared is accurate?

izools

loveandlight wrote: »

That's very helpful, thanks. Is there a way as a consumer we can check to make sure the data that is shared is accurate?

Yes, you can ask for a copy of all the data they hold on file about you under Section 7 of the Data Protection Act.

If it transpires any of this is inaccurate you can raise a dispute with their Data Controller and if they do not co-operate in line with their obligations under the DPA you can raise the matter with the ICO - Information Commissioners Office.

loveandlight

Reason I ask is because Lloyds Advance messed up my account in July and as a result they put me over my limit when I wasn't. They also charged me £12 for being over the limit, passed my account to their debt collection dept and served a default notice on me.

I contacted them and they admitted it was their fault and refunded the charges etc. They also confirmed in writing that they hadn't reported the incident to my credit file and I thought that was the end of the matter.

Today I went to open another account with Lloyds. The manager made a point of telling me how he had noticed that I had gone over my limit recently and he showed me a print out of my profile where it clearly read I had gone over my card limit. Nowhere did it say that it was caused by a bank error.

I explained how it wasn't my fault but you could tell by his reaction that he thought I was trying to pull a fast one and didn't believe me.

I phoned Lloyds Advance when I got home and they told me that that data should not have been shared with the bank and they were going to speak to my bank manager about it to tell him it was the banks fault

They also said they are going to send an internal data protection notice and it will take 40 days for the system to update and that data will then clear and I should phone back then.

I hope others reading this will learn from my experience that whenever something like this happens check your profile with your bank as well as your credit file. If I hadn't opened a new account today I would never have known they were holding inaccurate data about me.