BA data breach compensation claim.

koolkat66

Apologies to all if this subject has already been talked to death, but I only recently became aware of the BA data breach compensation lawsuit which some firms seem to offer.  I am trying to make up my mind whether it is worth  and fair to actually pursue this. Is anyone else claiming compensation and what is your story.  Do you have any advice?

I was affected by the breach while i was on holiday.  My bank advised against cancelling the card, and  I was abroad and really needed it. About a year later I had lots of unauthorized payments taken from my account. Was that from the data breach, who knows. The money was eventually returned by my bank after many phone calls and claims, so not out of pocket really but definitely very stressing.

Interested in hearing people opinion on this.

Thank you

Cris

[Deleted User]

As always, if you have a complaint, send it in yourself, rather than funding someone else's legal action.

Fighter1986

What happened with respect to the fraudulent transactions?

Were these debit / credit card transactions, or had someone masqueraded as you and managed to log into your online banking setting up payees and transferring money out of your account that way?

If the latter, that definitely had nothing to do with BA and was likely the result of a phishing scam. If you aren't sure what these are, make sure you read up on them right away in order to protect yourself.

If the fraud comprised of card transactions, the bank aught to have refunded you by the end of the working day after you notified them of the fraud, while they investigated. If they did not do this, then this paticular set of circumstances would warrant a formal complaint to your bank, but not BA. 

The issue with BA's data breach would be one for your bank to pursue with them if they so felt like it, your relationship is with your bank, and there are two obligations here:

1. Your bank have an obligation to refund any fraudulent card transactions by the end of the next working day after you report the fraud to them
2. You have an obligation to be vigilant of phishing scams, and any other form of data mining from scammers which could result in your online banking login details falling into nefarious hands. This includes such actions as:

> Never writing down any of your login information anywhere, either on paper, or in a document stored on your PC or Phone.
> Shredding / cutting up / burning any mail containing personal login or PIN information
> Never following links contained within emails, search engines, or websites to your banks website.
  ONLY EVER log in to your online banking by directly typing in their web address straight into the address bar, and never by searching google and clicking a link, never by following a link in an email inviting you to log in, or by a link on another website proporting to have a friendly link to your bank. 

Phishing scams create emails and websites that to the lay person, are indistinguishable from the website of your actual bank. This is why you must ensure you're on your banks website by directly entering their web address straight into the address bar each time you log in.

> Never providing any personal information to someone who has called you, no matter how much they already know about you
> Never calling someone back on the number they give you - find the number on the back of your card or welcome brochure from the bank to call them back on

If you feel the bank are at fault then by all means file a formal complaint with them asking for recompense. 

koolkat66

HI, they were online transactions from a far away country. It was resolved in the end.

Fighter1986

koolkat66 said:

HI, they were online transactions from a far away country. It was resolved in the end.

"Online" transacitons - do you mean card transactions? If so, it sound like someone cloned your card. There's no way to prove whether or not this was part of the BA data breach. If your bank refunded you within 24 hours of you notifying them, then everyone has acted appropriately. If they didn't, raise a complaint.