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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1563925
19/02/2016 19:29
19/02/2016 19:29
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Joined: Jul 2009
Posts: 2,617 SE Essex
charlie_croker
I need some sleep
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I need some sleep
Joined: Jul 2009
Posts: 2,617
SE Essex
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I would make a Subject Access Request to Lloyds, it will cost you a maximum of £10 and they will then have to provide all the information they hold about you. "What information is an individual entitled to? Subject access is most often used by individuals who want to see a copy of the information an organisation holds about them. However, subject access goes further than this and an individual is entitled to be: • told whether any personal data is being processed; • given a description of the personal data, the reasons it is being processed, and whether it will be given to any other organisations or people; • given a copy of the personal data; and • given details of the source of the data (where this is available). An individual can also request information about the reasoning behind any automated decisions taken about him or her, such as a computer-generated decision to grant or deny credit, or an assessment of performance at work (except where this information is a trade secret). Subject access provides a right for the requester to see their own personal data, rather than a right to see copies of documents that contain their personal data. Often, the easiest way to provide the relevant information is to supply copies of original documents, but you are not obliged to do this." SAR info I would also ask for a copy of their official complaints policy and state that once that has been dealt with that you intend to complain to the Ombudsman. It does sound a perverse decision. https://www.lloydsbank.com/insurance/privacy-policy.asp DSAR Unit Lloyds Bank Customer Service Recovery Charlton Place, C57 Andover, SP10 1RE Dear Sir or Madam Subject access request Please supply me with any information Lloyds Bank holds about me as I am entitled to under the Data Protection Act 1998. I am particularly interested in information covering; Current Account XXXXXXX Credit Card Account xxxxxxxxx However please do not restrict the search for information held to those accounts as I would like to receive everything you hold that relates to me personally. My previous address was: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx My previous name was: xxxxxxxxxxxxxxxxxxxxxxxxxxxx If you need any more information from me please let me know as soon as possible. I have enclosed a cheque/postal order for £10 to cover the statutory fee. It may be helpful for you to know that a request for information under the Data Protection Act 1998 should be responded to within 40 days. If you do not normally deal with these requests, please pass this letter to your Data Protection Officer. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you and can be contacted on 0303 123 1113 or at ico.org.uk I look forward to hearing from you. Yours faithfully
Last edited by charlie_croker; 19/02/2016 19:41.
Happy
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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1564630
25/02/2016 17:03
25/02/2016 17:03
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Joined: Dec 2005
Posts: 7,704 Harpenden
sugerbear
Je suis un Coupé
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Je suis un Coupé
Joined: Dec 2005
Posts: 7,704
Harpenden
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Your experian score means zilch to a bank. They like to target things to certain groups and you might live in the wrong area, be the wrong age, have an existing loan or have too much debt vs income or maybe your living room hall is the wrong shade of magnolia Banks do their own credit scoring and they just use the data from experian. They also pre-approve segment of their customers, their failure is showing you the loan offer. Dont take it personally, banks are under no obligation to offer you a loan even if you have a platinum plated credit score.
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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1564636
25/02/2016 18:39
25/02/2016 18:39
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patch234
Unregistered
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patch234
Unregistered
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If you want to know about banking rules, watch the movie 'The Big Short' New release. Bunch of crooks
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Re: Anybody Know About Banking Rules?
[Re: ]
#1564642
25/02/2016 19:59
25/02/2016 19:59
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Joined: Dec 2005
Posts: 8,069 South Cambs
Barmybob
Hon Club Member: 003
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Hon Club Member: 003
Je suis un Coupé
Joined: Dec 2005
Posts: 8,069
South Cambs
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If you want to know about banking rules, watch the movie 'The Big Short' That will just make him very angry
Gone Audi mad!
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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1566521
15/03/2016 10:28
15/03/2016 10:28
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Joined: Jul 2009
Posts: 2,617 SE Essex
charlie_croker
I need some sleep
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I need some sleep
Joined: Jul 2009
Posts: 2,617
SE Essex
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What a total mess our banking/financial systems are:
It all started with MasterCard telling my CC company that my card details were compromised. To cut a long story short my CC company cancelled my old card and, with it, my direct debit. They then proceeded to try to call on that DD.
They then contacted me to say my payment hadn't been made. I suggested that it was their mistake which they confirmed. They said they'd make sure I had no credit report issues.
I then got an alert (from my bank service) to say my credit report had a missed payment. This was my CC company!
My CC company then confirmed they had sorted it.
I tried to confirm through my bank's alert service it was fixed but they had changed provider and could no longer tell me.
Next my bank told me I couldn't see the loan calculator due to issues with my credit report. But refused to confirm what it was (as above)
By this time I'm travelling - I tried to access my CallCredit report directly but was refused access because I was outside the UK (despite being a UK resident) claiming protection under DPA. I finally got past that to discover that there was STILL a late payment market from the CC company on my report (that only shows on my CallCredit report and neither Experian or Equifax). I sent CallCredit evidence of the CC cock-up so they've now removed the marker.
I now need to see if that resolves the bank issue though I have issued the request as per CharlieC's advice.
What a bloody mess though. If I'd been trying to buy a house I'd have been going mental at all of this.
One of the funniest bits was that CallCredit tried to tell me that I couldn't access their service because .co.uk domains can't be accessed outside the UK!!!
The credit card company have so far only offered me £50 for all of this trouble! I have an FOS complaint in against them. Bloody hell I am not surprised you are wanting to sort that out! That's pretty shoddy service.
Happy
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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1566551
15/03/2016 14:26
15/03/2016 14:26
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Joined: Jul 2009
Posts: 2,617 SE Essex
charlie_croker
I need some sleep
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I need some sleep
Joined: Jul 2009
Posts: 2,617
SE Essex
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I would be interested to hear the outcome, if they cant process data correctly, then there's something wrong especially when it can have a serious impact on people's lives.
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Re: Anybody Know About Banking Rules?
[Re: MeanRedSpider]
#1567901
30/03/2016 12:05
30/03/2016 12:05
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Joined: Dec 2005
Posts: 16,603 Corridor of Uncertainty
Jim_Clennell
Forum veteran
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Forum veteran
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
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It makes you wonder what model they work to that permits the end result to be such contempt for the customer. I seem to remember that if you complained articulately and with good reason, you generally got some kind of satisfactory result - eventually. Nowadays (perhaps since the advent of the 'poodle' regulators to make it seem as though we are getting listened to), implacable, "what are you going to do about it?" contempt seems to be the brick wall we end up facing.
Having said that, I remember MrsC having a long struggle over a credit rating error caused by BT. Long, long story short, BT awarded her £50 compensation for the aggro they had caused, then pursued her, saying SHE owed THEM the £50!
Hope you get some kind of satisfaction.
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