fuming

malcumms7898

OlliesDad wrote: »

Out of interest, what part of your data have they not protected?

What if she had been buying something she did not want her husband to know about? That information is her data, not her husbands.

wealdroam

Cornucopia wrote: »

If someone enters a credit agreement and wishes to keep that fact from their OH, that is their prerogative. If the company acts in such a way as to breach that right to privacy, there is a potential DPA issue.

But the lady signed an agreement stating which bank account the DD was to come from... her husband's account.

ILW

Cornucopia wrote: »

If someone enters a credit agreement and wishes to keep that fact from their OH, that is their prerogative. If the company acts in such a way as to breach that right to privacy, there is a potential DPA issue.

Women should never enter into any financial transactions without getting permission from their husband first. They just are not capable of the type of thinking required.

ValHaller

ILW wrote: »

Women should never enter into any financial transactions without getting permission from their husband first. They just are not capable of the type of thinking required.

For some reason, the idea of bridging finance has popped into my head.

battleborn

ILW wrote: »

Women should never enter into any financial transactions without getting permission from their husband first. They just are not capable of the type of thinking required.

Exactly I could not put it better myself :D

unholyangel

Technically it is the husbands info that has been handled/processed incorrectly.

They were going on information that they were told is accurate and correct. When notified this isnt correct, it seems they have updated their records to reflect this.


However, there is a potential flaw in their system. Does it store bank details by address?

End of the day I'd accept their offer and request they retain their staff/adjust their system so it no longer automatically recalls bank details for new orders. If you feel they're trying to fob you off, tell them that although you have accepted their offer, you will still be notifying the ICO of what happened so that they can take appropriate action if they receive similar future complaints.

Complaining to the ICO etc isnt going to get them anything other than a slapped wrist and it wont get you anything at all.

caz3462

thank you all for your thoughts ( some surprisingly quite sexist ) I will try and answer a few comments, just so you can all be aware if this ever happens to you as I have heard back from the complaints board,.... the breach is confidentiality and the fact they had no duty of care over the information I gave them ( data protection ), the bank information is not marked on the forms they ask you to sign, no new credit agreement should have anything pre populated of any discription never mind bank details, staff should be vigiant in what banking details they are keying. Yes my husband is also annoyed that his previous bank details are being stored longer than the required length of time allowed,... What a sexist coment to say women are not capable of thinking !!It is any individuals rights to keep any form of a credit agreement confidential regardless if it with there OH or not....let me put another sinario to you ..if you was to go to a bank with a partner and take out a joint personal loan for say Home improvements and your partner says take the payments from my account and after 9 months that loan gets repaid ...then 3 years later you go back to the same bank on your own for a consolidation loan in your own name but the banking advisor ignores any information regarding the account you would like the payments to come out off and automaticaly sets it up to your partners " just because you had a loan once with them before " do you think they would of behaved correctly ? I think you would have a problem with it ....you may even be divorced/parted form that person or the account closed or anything can change in 3 years

hcb42

it can, however they have offered compensation, so a fair result and a warning to the rest of us to check what we agree to before signing

Fosterdog

How could they pre populate anything with your husbands details if you applied for credit in your name without him present? Even if they do store the details you would be applying under a different name, gender, DOB, employment details etc. so they would have no way other than an address to link you to your husband.

Was the previous creation agreement also from Currys or have you used creation with a different retailer?

I have used creation for finance agreements where I work, although we changed credit providers now I still remember their systems and while yes they do pre populate some info others have to be entered freshly every time. The only way it would happen the way you said it did is if the previous creation agreement was in your name but his account details.

Also you say the paperwork doesn't have the details but it does, the page you signed would have to have the account number and sort code on it for them to be able to take the direct debit payment