PPI Claim - incorrect claimant address

MrWillyWonka
MrWillyWonka Posts: 286 Forumite
First Anniversary Combo Breaker Debt-free and Proud!
edited 25 November 2020 at 5:28PM in Reclaim PPI & other insurance
I received a letter earlier this week from a bank to say that I have been successful in claiming PPI to a relatively large sum. It was sent to my address but used my middle name instead of my first name and I had in the past used the said bank for a loan so I didn't think it was too out of the ordinary (I was under the impression that some banks were automatically repaying PPI without customer input). However it said as the loan was in joint names I would receive half the amount with the other party getting the other half. It was quite some time ago so I no longer have the loan paperwork, however I know 100% that I was the sole borrower for my loan with the said bank.


I contacted my parents and it turns out that my mother had received the same letter in response to a claim submission she made a while ago, it now makes a little more sense in the fact that my middle name is the same as my father's first name and they have confirmed the loan was made jointly and the account numbers match up with their paperwork. The letter clearly was intended for my father at his address and not myself.


I've not lived with my parents for nearly a decade and the loan was taken out after I moved out. My parents are understandably not happy that I found out they had a loan so I am questioning how did the bank put my father on my address? It feels like that GDPR has been breached and my address put on his account based on potential historical data of me living with them previously?


Any ideas and should I be contacting the bank about this?

Comments

  • dunstonh
    dunstonh Posts: 116,312 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    edited 25 November 2020 at 6:25PM
    so I am questioning how did the bank put my father on my address?

    No point asking us as we would just be guessing.

     It feels like that GDPR has been breached and my address put on his account based on potential historical data of me living with them previously?

    its a minor breach.   Purely accidental.

    Any ideas and should I be contacting the bank about this?

    Its a breach that may result in a £25-£50 payout for your parents if they raised it with the bank as a complaint.   You are not affected  (not your data).  So, it is your parents that would benefit from it.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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