Because I’m in the mood to kick up a fuss!

MoneySaverLog

CKhalvashi wrote: »

it’s a breach of DPA for them to tell my mother I bank with them, when she went to pay money in the other week for me and was refused.

You asked your mom to pay money into your account, if she had your sort code and account number then she should have been able to pay it in. If she did not then quite rightly the bank would refuse to accept payment without those details for the reasons you state re DPA.

stclair

MoneySaverLog wrote: »

You asked your mom to pay money into your account, if she had your sort code and account number then she should have been able to pay it in. If she did not then quite rightly the bank would refuse to accept payment without those details for the reasons you state re DPA.

I'm sure if the funds was paid into an incorrect account there would have been a fuss lol

jalexa

CKhalvashi wrote: »

And someone that moaned at me using the office phone, it’s my company, so I will perfectly happily use my office phone as and when I wish.

I guess that was me. You seem very prone to distortion. I made a passing reference which was hardly a moan, but I said two other things of greater import, challenging the term "proving harassment" (ahead of proof that is) and also the advice to "demand £100".

On reflection I suspect the "Head of Legal" did not quite say either thing but proffered more measured "advice" which you heard differently.

FWIW, I once received a Natwest/RBS spam email, clearly indicated as "marketing" in spite of believing to have opted out of all marketing. The branch refused to print a hard copy of the consents page forcing me to pay £10 of the modest D&I I accepted (modest because really it was quite a modest matter) for a SAR. Effectively I "settled" for the onerous adminstrative penalty of Natwest/RBS having to provide all relevant information (since my last SAR), not just the single sheet which would have satisfied me in branch.

I haven't been spammed again since and I still bank with Natwest/RBS.

CKhalvashi

stclair wrote: »

How many times have they called out if interest?

Just close the account be done with it once it's closed no one will ever contact you then.

I’m waiting for 2 of our BTL’s to end, and I will quite possibly be moving.

I’ve had this 3 times now; once last Friday (13th), then twice over the weekend. I asked this to be stopped on or around the 13th, and have mobile records that would indicate this. I’m ignoring the fact that I’ve asked NW not to market at all 4 years ago, as should be stated somewhere on the system. I get the occasional bit and just ignore it. I will get to the bottom of this in the morning, when I’m more likely to be in ‘reasonable’ mode.

I’ve called on the office phone, then had FI call me on my mobile, so I’d have thought that’s a sure breach of DPA, as it’s obvious that details have been passed somewhere.

With regard to the incident last week, I hadn’t given details over at all as I hadn’t realised, however the problem was sorted within 5 minutes (she phoned me at the counter).

I’ve taken into account what has been said here and will take action based on that, too. I’m debating how/when to reshuffle mortgages when the time comes.

CK

MoneySaverLog

I must say NatWest has never marketed me since around 2000 when I opened an account with them specifying no marketing. They do try to get me into the branch to review my accounts when I visit the branch but I just say I'm too busy. It's kind of dormant now but still move money in and out to keep it active from time to time and use it more as a back up in case I lost access to my primary account for some reason.

It also has the emergency cash service which is useful if ever I was out of town, lost my wallet or got mugged or in any kind of trouble and needed cash to get home I know I'll be ok.

MPH80

CKhalvashi wrote: »

It IS a breach of DPA for them to pass my details on to an external company,

No - it really isn't in the circumstances you've described.

http://www.ico.gov.uk/for_organisations/data_protection/topic_guides/data_sharing.aspx

This is the guidebook about data sharing for organistions from the people who enforce the DPA.

Guess what - it allows specific exemptions for Legitmate Interest:

The processing is in accordance with the “legitimate interests”
condition.
The ‘legitimate interests’ condition provides grounds to process
personal data in a situation where an organisation needs to do so
for the purpose of its own legitimate interests or the legitimate
interests of the third party that the information is disclosed to.

Now - Natwest passed your details on to a third party for the purpose of getting a satisfaction survey from you. That is a legiitmate interest for their business and is perfectly satisfactory.

In fact - they even warn you in their T&Cs they are going to do it:

http://www.natwest.com/downloads/global_options/docs/NatWest-Ts-and-Cs-Fees-Interest-Helping-You.pdf

1.3.1 We may use and share your information with other members of the Group and with third parties
providing services to either you or the Group.

And they go on to exempt themselves from requiring your permission:

1.3.4 We do not disclose your information to anyone outside the Group except:
<snip>
(c) to third party service providers, agents and sub-contractors acting on our behalf

So please stop with this 'breach of DPA' rubbish. It's not.

Now IF they passed your details on to another organisation who were just out to market to you without your permission THAT would be a breach of the DPA. But from what you've described - it isn't.

As for telling your mum that you do bank with them - if your mum walked in with the right sort code then she already knew that fact. They don't have to pretend they don't know anything. She could have got that simply by looking at your post - as could anyone at the post office - and that isn't a breach of the DPA either.

Or should I report all my banks to the ICO so they send stuff in plain white envelopes with no markings or return address on it?

Calm down and think things through, read some rules and then work out what they are actually allowed to do before going mental at them.

But - of course - if you want to point me to how they've breached the DPA, highlighting the appropriate sections of the law and the ICO's advice on the matter (as I've done here), then I'll happily back down, but I want to see law, not statements of 'this is how it is'.

(I've been in those kind of debates on these boards and they get pointless very quickly).

M.

CKhalvashi

MPH80 wrote: »

No - it really isn't in the circumstances you've described.

http://www.ico.gov.uk/for_organisations/data_protection/topic_guides/data_sharing.aspx

This is the guidebook about data sharing for organistions from the people who enforce the DPA.

Guess what - it allows specific exemptions for Legitmate Interest:



Now - Natwest passed your details on to a third party for the purpose of getting a satisfaction survey from you. That is a legiitmate interest for their business and is perfectly satisfactory.

In fact - they even warn you in their T&Cs they are going to do it:

http://www.natwest.com/downloads/global_options/docs/NatWest-Ts-and-Cs-Fees-Interest-Helping-You.pdf



And they go on to exempt themselves from requiring your permission:



So please stop with this 'breach of DPA' rubbish. It's not.

Now IF they passed your details on to another organisation who were just out to market to you without your permission THAT would be a breach of the DPA. But from what you've described - it isn't.

As for telling your mum that you do bank with them - if your mum walked in with the right sort code then she already knew that fact. They don't have to pretend they don't know anything. She could have got that simply by looking at your post - as could anyone at the post office - and that isn't a breach of the DPA either.

Or should I report all my banks to the ICO so they send stuff in plain white envelopes with no markings or return address on it?

Calm down and think things through, read some rules and then work out what they are actually allowed to do before going mental at them.

But - of course - if you want to point me to how they've breached the DPA, highlighting the appropriate sections of the law and the ICO's advice on the matter (as I've done here), then I'll happily back down, but I want to see law, not statements of 'this is how it is'.

(I've been in those kind of debates on these boards and they get pointless very quickly).

M.

I’m going to leave facts of law to one side before I go anywhere, as that end, before I have the fact on what was/wasn’t requested in front of me, in writing, from NW.

The main point here is that bank want to now how happy I am in the week that they’ve !!!!!!ed up a payment; the main reason for kicking up a fuss on this front (please bear in mind that I have spoken to NW between OP and now, and they are going to get back to me with the original tick box exercise).

NW also know, or ought to have known, that I work strange hours. This would be in part due to the fact that I do a lot of my banking at 2/3am, rather than in the day. If I get home, fall asleep and then get woken up, is that going to reflect well on NW? Again, I don’t know how accurate their auto systems would be on this, however have been told that the system is set to call back at 9am. I started today at 11am, and will probably finish at around 3/4am, so this is specifically why I request any marketing/market research/anything else by phone (and phone only) is turned off. I will then repeat this, until the backlog of work is complete. I certainly don’t work 9-5, and the systems ought to pick this up.

I also have concerns over NW marketing material on their online banking; one of the things here being their ‘award winning’ ISA, that has only been on the market for 2 weeks. When I’ve asked for further info on the awards the product has actually won, I’m then told that this is for previous years. Henceforth, the product itself isn’t award winning at all. It’s like marketing a 2008 Ford Mondeo against the ‘Award Winning’ 2001 Mondeo (and which model do you think, in my experience of running a company lasted longer?! The early 2008 onwards models were cr*p!!!)

No, I’m not in a good mood with NW atm, and that has probably shown on here, however I’ve been told by the bank that my address has ‘disappeared’ (so I need to complete a routine run into town this week, that I don’t really have time for), a payment has gone to the wrong back (it was a transfer from joint to OH’s, that went to mine, but I still had to deal with the problem. Imagine if that went to a payee half way around the world!) and it was only by chance that DD1 woke us up at 7am yesterday morning, as the 1st phonecall came through at 7.42 (which I don’t consider reasonable time on a Saturday anyway, but maybe that’s just me).

This is three problems in the same week, before we’re taking anything legal into account. There’s a police officer (my brother-in-law, popped in to use the loo), business partner and employee in the office with me now, and they all consider me to be a reasonably thinking (but by my own admission a bit hot headed at times) person.

CK

stclair

I'm sorry but I doubt they would call at the times stated they are not even open then. Plus the bank would not know your working patterens etc. Just close the close and be done with it at the end of the day your just an account number and sort code and Stephen Hester won't be loosing any sleep over it.....

Maestro.

caeler wrote: »

How ironic that they call you about your satisfaction from asking them not to call you again. Well done Natwest!

Natwest. Helpful banking.

MoneySaverLog

Maestro. wrote: »

Natwest. Helpful banking.

They're calling to check if they can be of any further assistance. Like you say just being helpful