Data protection breach

Zanderman

maggs74 said:

badger09 said:

IF (very big IF) I were in OP's position, I would be directing my fury at my brother, rather than Lloyds. 

Strange brother who lets you know he's received a text saying 'your' account is overdrawn, but didn't think to tell you he's been using what is apparently your sole account for several months, and has now caused it to be overdrawn.

Also strange that OP hasn't checked her own account once since October.

He hasn’t been using the account. And he didn’t cause it to go overdrawn, I did. I got a text informing me of this and so did he. 

I check my accounts every day but as I’ve already said neither of us get paper statements and the banking app does not give names of people names on separate accounts. The new account, which should have been made the joint one, is only used to collect rent from grandmother property and to pay a landlord insurance monthly. 

There's still some mystery, as I see it anyway, as to why your brother hasn't ever noticed this.  You opened a new account to collect the rent. The bank linked him to the wrong account.  So at no point, in the last 10 months, has he been able to see the account the rent is coming to?  Didn't he notice? Does he not check accounts like you do? 

As for the bank saying you both need to attend to make the account joint I'll tell them to get be more sensible.  They successfully made the other account joint, adding him to your name.  Therefore they know who both of you are and did the appropriate checking then.  They don't need to start afresh to make a different account joint.  

I'd take their £200 but I'd also complain that the requirement for another interview is absurd, in the circs.

comeandgo

It’s not a data breach so your “compensation “ of £200 is good, I’d take it and change banks.

ItsComingRome

maggs74 said:

ItsComingRome said:

maggs74 said:

Straight away I was offered £200 compensation. I’ve told them I’ll think about over the weekend but to be honest I am furious that this has happened and I feel this is a quick offer to shut me up.
what would you do? Any advice appreciated 

I'd bite their hands off at £200 when the breach was merely telling your brother your account was overdrawn.

I feel the breach was giving my brother access to the account and issuing a debit card for said account. Thankfully we’ve never had a need to use the card. As my brother doesn’t use internet banking he has never logged onto the account. If he had or if he’s used the card this would’ve come to light a lot sooner 

He had access he didn't apparently use so no data was actually breached other than telling him the account was overdrawn.  As I said, I'd bite their hands off if I got offered that for a text message being sent to the wrong (sort of) person.

maggs74

Zanderman said:

maggs74 said:

badger09 said:

IF (very big IF) I were in OP's position, I would be directing my fury at my brother, rather than Lloyds. 

Strange brother who lets you know he's received a text saying 'your' account is overdrawn, but didn't think to tell you he's been using what is apparently your sole account for several months, and has now caused it to be overdrawn.

Also strange that OP hasn't checked her own account once since October.

He hasn’t been using the account. And he didn’t cause it to go overdrawn, I did. I got a text informing me of this and so did he. 

I check my accounts every day but as I’ve already said neither of us get paper statements and the banking app does not give names of people names on separate accounts. The new account, which should have been made the joint one, is only used to collect rent from grandmother property and to pay a landlord insurance monthly. 

There's still some mystery, as I see it anyway, as to why your brother hasn't ever noticed this.  You opened a new account to collect the rent. The bank linked him to the wrong account.  So at no point, in the last 10 months, has he been able to see the account the rent is coming to?  Didn't he notice? Does he not check accounts like you do? 

As for the bank saying you both need to attend to make the account joint I'll tell them to get be more sensible.  They successfully made the other account joint, adding him to your name.  Therefore they know who both of you are and did the appropriate checking then.  They don't need to start afresh to make a different account joint.  

I'd take their £200 but I'd also complain that the requirement for another interview is absurd, in the circs.

To be honest no he’s never bothered to check it. He doesn’t have any other accounts for Lloyds so doesn’t need the banking app for any other purpose. Every month I have confirmed to him that the rent has been paid. As we trust each other he’s never felt the need to check. 

The account was opened in joint names as we are both executors of the will and have both inherited the house, or will do when probate and land registry is completed. 

I agree that the need for another interview is pointless. They tell me they already listened to the original phone call appointment so have all they need !!

colsten

maggs74 said:

ItsComingRome said:

maggs74 said:

Straight away I was offered £200 compensation. I’ve told them I’ll think about over the weekend but to be honest I am furious that this has happened and I feel this is a quick offer to shut me up.
what would you do? Any advice appreciated 

I'd bite their hands off at £200 when the breach was merely telling your brother your account was overdrawn.

I feel the breach was giving my brother access to the account and issuing a debit card for said account. Thankfully we’ve never had a need to use the card. As my brother doesn’t use internet banking he has never logged onto the account. If he had or if he’s used the card this would’ve come to light a lot sooner 

Lots and lots of 'ifs', none of which happened, and you have not suffered any financial loss as a result of the Lloyds boo-boo. 

You should be grateful you have been offered as much as £200.

colsten

maggs74 said:

 As we trust each other he’s never felt the need to check. 

So even less reason for being concerned that he would take money from your account. IMO, Lloyds aren't very likely at all to up their offer. They will just shrug shoulders if you 'threaten' them with the ICO, as it's not the 'massive data breach' that you think it is, as has already been explained. They'll also be entirely happy with you taking your complaint to the FOS, and it will be many months before the FOS will look into your complaint as they are reported to have a huge backlog. As you have experienced £0 financial loss, the FOS is unlikely to request that Lloyds pay you more than the generous £200 offer. In fact, the FOS could rule that £50 or £100 is a big enough apology.

BTW, I notice you have not reacted to my suggestion that you can very quickly open a joint account elsewhere. So it appears that sorting out the joint account situation isn't terribly high on your priority list.

maggs74

colsten said:

maggs74 said:

 As we trust each other he’s never felt the need to check. 

So even less reason for being concerned that he would take money from your account. IMO, Lloyds aren't very likely at all to up their offer. They will just shrug shoulders if you 'threaten' them with the ICO, as it's not the 'massive data breach' that you think it is, as has already been explained. They'll also be entirely happy with you taking your complaint to the FOS, and it will be many months before the FOS will look into your complaint as they are reported to have a huge backlog. As you have experienced £0 financial loss, the FOS is unlikely to request that Lloyds pay you more than the generous £200 offer. In fact, the FOS could rule that £50 or £100 is a big enough apology.

BTW, I notice you have not reacted to my suggestion that you can very quickly open a joint account elsewhere. So it appears that sorting out the joint account situation isn't terribly high on your priority list.

BTW, extremely high on priority list. I am expecting another call from the branch manager on Monday and if they still insist they need another joint interview then we will be looking at alternatives.  

Migster

I don't really understand why you need a joint account. You say you trust each other and the account is only required to receive rent payments, so can't one of you just open an account in their sole name?  

Zanderman

Migster said:

I don't really understand why you need a joint account. You say you trust each other and the account is only required to receive rent payments, so can't one of you just open an account in their sole name?  

I assume they could, but that's missing the point that they are joint executors and feel they should have a joint account.

Though formally, as they're apparently still waiting for probate, the money doesn't officially belong to either of them until they have probate and so it is still part of the deceased's estate. (Cut down and edited to add:  this point is, of course, not the issue of this thread which is simply about the bank making the wrong account joint)