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I've been waiting to change mine since I moved and had to wait for my first wage slip x | |||
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"So wrong ! How on earth did they manage that
I've been waiting to change mine since I moved and had to wait for my first wage slip x "They said that when I last went into my branch they must of pressed the wrong button on screen. All sounded very vague and didn't explain much. I'm going to knock on the door of the address today and ask for my statements. | |||
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"I have a bank security number, they don't ask me questions about my account just 2 digts from a 6 digit number... no pain" Wow your bank is so cool, what is it? | |||
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"I have a bank security number, they don't ask me questions about my account just 2 digts from a 6 digit number... no pain Wow your bank is so cool, what is it?" Lloyds Banking Group | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol" Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally  | |||
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"I have a bank security number, they don't ask me questions about my account just 2 digts from a 6 digit number... no pain Wow your bank is so cool, what is it? Lloyds Banking Group" That's my bank the mother fucker! | |||
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"That is awful....as you say they make you jump through hoops if you ring ( I don't mind them doing it as it is for my benefit ) but to change your address seems mad. It sounds to me like someone asked to change your address as someone would have to type it in surely? " This is what I said, I don't understand it and maybe there telling me the full story. | |||
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"Sounds very strange for a bank. How did you know they had sent it to a wrong address, plus they gave you the address as well. Mmmm not my type of bank me thinks." I am guessing they would have to tell him where they are sending his statements as they thought it was the right address  | |||
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"Sounds very strange for a bank. How did you know they had sent it to a wrong address, plus they gave you the address as well. Mmmm not my type of bank me thinks." I went into the bank to pay some cash in but I didn't have my card on me so they asked me questions. They said they can't find me on the system and then asked me if I live at such and such address | |||
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"How long winded is seeking compensation?" I am not sure compensation is needed, as long as your account hasn't been robbed what would you need anyway. | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws!" Have they offered you an appointment to go and find out what went wrong? | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally "I use mobile banking with mine. Because I have to log in via a secure code I can push the 'call us' button (comes off my contract minutes so free) and a voice (English!) answers within seconds using my first name. No questions at all. A | |||
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"What would they be compensating you for?" It's more about suing for breach of data protection act and like I said I didn't suggest compensation someone else did so I don't know anymore than you. | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws! Have they offered you an appointment to go and find out what went wrong?" They said they would call me but I didn't receive a call. Im going to go to the bank now | |||
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I would seek Compensation too | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws! Have they offered you an appointment to go and find out what went wrong? They said they would call me but I didn't receive a call. Im going to go to the bank now" Mistakes happen. How did you find out? Did they tell you or did you find out yourself? If they've acknowledged an error has been made, there's been no financial loss and the issue has been rectified - is there any need for more than an apology? The cost of many things is impacted by 'compensation' and the rising claims culture that is prevalent. Last time I checked most banking services were free. If there's a financial payout accompanying every mistake made that didn't result in a loss or 'real money burden' to those involved - this won't last for long. A | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws! Have they offered you an appointment to go and find out what went wrong? They said they would call me but I didn't receive a call. Im going to go to the bank now Mistakes happen. How did you find out? Did they tell you or did you find out yourself? If they've acknowledged an error has been made, there's been no financial loss and the issue has been rectified - is there any need for more than an apology? The cost of many things is impacted by 'compensation' and the rising claims culture that is prevalent. Last time I checked most banking services were free. If there's a financial payout accompanying every mistake made that didn't result in a loss or 'real money burden' to those involved - this won't last for long. A" I sort of agree with some of what your saying like car insurance ect but it's completely different with banks, everyone knows someone that has had whiplash or there car repaired that's paid by insurance and yes that is why insurance is high. Iv never heard of anyone I know having the data breached cause of incompetence. | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws! Have they offered you an appointment to go and find out what went wrong? They said they would call me but I didn't receive a call. Im going to go to the bank now Mistakes happen. How did you find out? Did they tell you or did you find out yourself? If they've acknowledged an error has been made, there's been no financial loss and the issue has been rectified - is there any need for more than an apology? The cost of many things is impacted by 'compensation' and the rising claims culture that is prevalent. Last time I checked most banking services were free. If there's a financial payout accompanying every mistake made that didn't result in a loss or 'real money burden' to those involved - this won't last for long. A I sort of agree with some of what your saying like car insurance ect but it's completely different with banks, everyone knows someone that has had whiplash or there car repaired that's paid by insurance and yes that is why insurance is high. Iv never heard of anyone I know having the data breached cause of incompetence." Why is it completely different with banks? How many companies hold your personal data? Your address, date of birth etc? Any online retailer you've ever done business with. Your doctor. Your dentist. The council. Online bingo sites. Credit card companies. Your broadband provider. The list is endless! Banks are probably the most regulated when it comes to customer privacy, data protection and the use of that data. Yet day to day bank services come at no cost. You're getting a service for nothing! Where else does this happen? Most European banks, American, Australian, Far East and the majority of the worlds banking industry charge for basic services - card use, cheques, bill payments etc. The UK is almost unique in the world when it comes to free banking. As I said - mistakes happen. Usually due to human error, which by it's very nature is impossible to prevent 100%. In most cases an apology will suffice. Over the years I've had the odd small financial gesture, bottle of wine and my ex had flower a few times. But if compensation of the financial variety was required for every error, regardless of impact and outcome then there'd be no more free services. Long term we'd all lose out. All I'm saying is keep things relative and in proportion. A | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally
I use mobile banking with mine.
Because I have to log in via a secure code I can push the 'call us' button (comes off my contract minutes so free) and a voice (English!) answers within seconds using my first name.
No questions at all.
A"That sounds good, although I don't use phone banking much and I don't use a phone for anything but text and phone calls so it won't benefit me. To your other comments about compensation, that is spot on. When I had a problem with the bank once and rang up over it they asked in a roundabout way was I after compensation....when I said no I just want you to sort out the problem so it hopefully doesn't happen again I think she was surprised. Compensation culture is taking over ! The nice thing was though, within the hour they had sent the biggest bunch of flowers you have ever seen as an apology, so they do try to make up for when something goes wrong. | |||
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"Compensation wasn't my idea but I do think it's out of order they can brake data protection laws! Have they offered you an appointment to go and find out what went wrong? They said they would call me but I didn't receive a call. Im going to go to the bank now Mistakes happen. How did you find out? Did they tell you or did you find out yourself? If they've acknowledged an error has been made, there's been no financial loss and the issue has been rectified - is there any need for more than an apology? The cost of many things is impacted by 'compensation' and the rising claims culture that is prevalent. Last time I checked most banking services were free. If there's a financial payout accompanying every mistake made that didn't result in a loss or 'real money burden' to those involved - this won't last for long. A I sort of agree with some of what your saying like car insurance ect but it's completely different with banks, everyone knows someone that has had whiplash or there car repaired that's paid by insurance and yes that is why insurance is high. Iv never heard of anyone I know having the data breached cause of incompetence. Why is it completely different with banks? How many companies hold your personal data? Your address, date of birth etc? Any online retailer you've ever done business with. Your doctor. Your dentist. The council. Online bingo sites. Credit card companies. Your broadband provider. The list is endless! Banks are probably the most regulated when it comes to customer privacy, data protection and the use of that data. Yet day to day bank services come at no cost. You're getting a service for nothing! Where else does this happen? Most European banks, American, Australian, Far East and the majority of the worlds banking industry charge for basic services - card use, cheques, bill payments etc. The UK is almost unique in the world when it comes to free banking. As I said - mistakes happen. Usually due to human error, which by it's very nature is impossible to prevent 100%. In most cases an apology will suffice. Over the years I've had the odd small financial gesture, bottle of wine and my ex had flower a few times. But if compensation of the financial variety was required for every error, regardless of impact and outcome then there'd be no more free services. Long term we'd all lose out. All I'm saying is keep things relative and in proportion. A" Firstly I'm not interested in getting into a serious debate about suing as like I keep saying I didn't intend on claiming compensation others mentioned it to me. What I ment was that it's very common in insurance's to go higher as a result of everyone claiming. Its not anywhere near as common for people to claim against banks for breach of data. That's all I'm saying, but yeah maybe your right, who am I to say as it's not my area of expertise | |||
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"Ok so iv just got back from the bank. I was told that no letters was sent to the new address, I asked for the full address so I could knock for peace of mind. When I knocked there was a few Eastern European guys that was very helpful and checked all the post and sure enough they had letters with all my details on them! I was lied to in the bank and only found out cause I asked to check myself." They shouldn't have given you the address. Would it have made any difference if the occupier had been a sweet little ild lady with a dozen cats? Or the local vicar? Or a school headmaster? Or a policeman? Whoever the occupier, had they opened mail not addressed to themselves (which I assume it wasn't?) they'd have been committing a criminal offence. They would now be as entitled to question your bank as to why their address is being given to someone who by his own admission doesn't live there! Two errors by your bank. I'd consider switching! Oh - and a bank statement is no use at all when it comes to ID theft or fraud. Without additional info not contained in a bank statement it couldn't be used to open accounts, apply for products or borrow money. A | |||
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" The UK is almost unique in the world when it comes to free banking. As I said - mistakes happen. Usually due to human error, which by it's very nature is impossible to prevent 100%. In most cases an apology will suffice. Over the years I've had the odd small financial gesture, bottle of wine and my ex had flower a few times. But if compensation of the financial variety was required for every error, regardless of impact and outcome then there'd be no more free services. Long term we'd all lose out. All I'm saying is keep things relative and in proportion. A" Most businesses pay for their bank services. I pay for them to do the job correctly and expect compensation if they don't do the job correctly. I would not expect to say " No harm done" when I found a slug in my meal at a restaurant, just because I didn't eat it. | |||
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"Ok so iv just got back from the bank. I was told that no letters was sent to the new address, I asked for the full address so I could knock for peace of mind. When I knocked there was a few Eastern European guys that was very helpful and checked all the post and sure enough they had letters with all my details on them! I was lied to in the bank and only found out cause I asked to check myself. They shouldn't have given you the address. Would it have made any difference if the occupier had been a sweet little ild lady with a dozen cats? Or the local vicar? Or a school headmaster? Or a policeman? Whoever the occupier, had they opened mail not addressed to themselves (which I assume it wasn't?) they'd have been committing a criminal offence. They would now be as entitled to question your bank as to why their address is being given to someone who by his own admission doesn't live there! Two errors by your bank. I'd consider switching! Oh - and a bank statement is no use at all when it comes to ID theft or fraud. Without additional info not contained in a bank statement it couldn't be used to open accounts, apply for products or borrow money. A " Is there a reason why you come across argumentative? I apologise if I'm reading it in the wrong way? I didn't say anything bad about the guys who lived there in fact I said how helpful they was. | |||
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"Ok so iv just got back from the bank. I was told that no letters was sent to the new address, I asked for the full address so I could knock for peace of mind. When I knocked there was a few Eastern European guys that was very helpful and checked all the post and sure enough they had letters with all my details on them! I was lied to in the bank and only found out cause I asked to check myself. They shouldn't have given you the address. Would it have made any difference if the occupier had been a sweet little ild lady with a dozen cats? Or the local vicar? Or a school headmaster? Or a policeman? Whoever the occupier, had they opened mail not addressed to themselves (which I assume it wasn't?) they'd have been committing a criminal offence. They would now be as entitled to question your bank as to why their address is being given to someone who by his own admission doesn't live there! Two errors by your bank. I'd consider switching! Oh - and a bank statement is no use at all when it comes to ID theft or fraud. Without additional info not contained in a bank statement it couldn't be used to open accounts, apply for products or borrow money. A Is there a reason why you come across argumentative? I apologise if I'm reading it in the wrong way? I didn't say anything bad about the guys who lived there in fact I said how helpful they was. " Not being argumentative. My point was that your bank regardless of the initial error have made a second one. Would they have given the address to a young single mum or an oap, not having a clue who lived at the address? From a safety perspective it wasn't exactly a wise idea. Hopefully they'll sort out the issue and you'll have no further problems. A | |||
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"Anyway they knew a lot of info about me from this letters, they said my full name, sort code, account no, reference no, they new what overdraft I had, what iv been spending my money on. Dates of direct debits, What branch I opened my account. It's wrong and I think I'm entitled to be upset" I agree! But I'd also report them to the local police for opening your post. Two wrongs......... A | |||
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"O2 changed my address on their records to then required me to send them documentary proof before changing it back despite it being the one I had used when I agreed the contract! Customer care?" That's simple just tell them you will pay when they post you a bill  bet they would get it sorted quickly then!! | |||
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"Anyway they knew a lot of info about me from this letters, they said my full name, sort code, account no, reference no, they new what overdraft I had, what iv been spending my money on. Dates of direct debits, What branch I opened my account. It's wrong and I think I'm entitled to be upset I agree! But I'd also report them to the local police for opening your post. Two wrongs......... A" I guess it can be a honest mistake opening post, if I see a lloyds letter the chances are I wouldn't look at the name just open it, plus only 1 letter was open. I also like the old lady in lloyds and don't want to get her in trouble | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally
I use mobile banking with mine.
Because I have to log in via a secure code I can push the 'call us' button (comes off my contract minutes so free) and a voice (English!) answers within seconds using my first name.
No questions at all.
A
That sounds good, although I don't use phone banking much and I don't use a phone for anything but text and phone calls so it won't benefit me.
To your other comments about compensation, that is spot on.
When I had a problem with the bank once and rang up over it they asked in a roundabout way was I after compensation....when I said no I just want you to sort out the problem so it hopefully doesn't happen again I think she was surprised. Compensation culture is taking over !
The nice thing was though, within the hour they had sent the biggest bunch of flowers you have ever seen as an apology, so they do try to make up for when something goes wrong. "  My partner's bank paid for our car in pounds instead of euros and made him overdrawn on an account we had only set up for buying the car abroad.
They sent him a lovely wooden gift box of wine by way of an apology after we pointed out their mistake. | |||
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"O2 changed my address on their records to then required me to send them documentary proof before changing it back despite it being the one I had used when I agreed the contract! Customer care? That's simple just tell them you will pay when they post you a bill bet they would get it sorted quickly then!!"Dont get me started on mobile phone companies! Iv been so unlucky lately. Before I went Peru I froze my account for 6months as wasn't using it. When I called to open the account they said it's been passed to debt collections months ago! I called family to open my post and I had lots of threatening letters and from debt recovery, they emptied my bank account I wasn't using at the time I was travelling and got me all sorts of bank charges and ruined my credit rating. 6 months I hadn't paid a bill cause they didn't freeze the account like agreed! Iv got it in black and white the agreement, yet the phone company in mention ignores my letters. | |||
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"As been already said, if the person at the address opened the letters they are knowingly breaking the law and if you feel that your information has been compromised then its your responsibility/duty to inform the police about them. if thet didnt open your mail and it was all still sealed, then theres no way they would know your details and your over reacting, so it all depends on what state your letters were in. im not trying to be argumentative here but those are the bare facts. Also if you really feel that badly about your account details being given out then either 1 - switch banks 2 - ask the bank to open you a new account with a new number Yes you have a right to feel upset, but over reacting doesnt help either" Could you explain to me how iv overreacted? Iv not reacted at all at this point, just mentioned it on a forum | |||
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" Could you explain to me how iv overreacted? Iv not reacted at all at this point, just mentioned it on a forum" Hands up, My bad, I misread one of your comments with the quotes in, and you have been calm all the way through, that will teach me to speed read fab while having lunch lol. | |||
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" Could you explain to me how iv overreacted? Iv not reacted at all at this point, just mentioned it on a forum Hands up, My bad, I misread one of your comments with the quotes in, and you have been calm all the way through, that will teach me to speed read fab while having lunch lol. " No worries, I thought I was loosing my marbles for a second | |||
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"No worries, I thought I was loosing my marbles for a second" The apology does not indicate that you have your marbles, have you checked  | |||
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"No worries, I thought I was loosing my marbles for a second The apology does not indicate that you have your marbles, have you checked "How does one check there marbles? | |||
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"I will be 100% changing banks but mainly cause I was lied to and only found out cause I went to the address myself and knocked." to be honest this is the bit im having problems with (not with you i hasten to add lol) but using their systems they would be able to see if and when a statement was issued, address change yep human error but theres absolutely no excuse to further compound the error by giving further duff advice either through incompetiance or deliberate misinformation. I'd definatly make a formal complaint to them regarding it as, at the minimum, someone deserves a bollocking and re training | |||
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"I will be 100% changing banks but mainly cause I was lied to and only found out cause I went to the address myself and knocked. to be honest this is the bit im having problems with (not with you i hasten to add lol) but using their systems they would be able to see if and when a statement was issued, address change yep human error but theres absolutely no excuse to further compound the error by giving further duff advice either through incompetiance or deliberate misinformation. I'd definatly make a formal complaint to them regarding it as, at the minimum, someone deserves a bollocking and re training" Lol | |||
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"I have worked for numerous banks in complaints and every bank has the same problems, so I don't think switching banks will help. A bank would prefer you to complain as then they are able to sort the problem out. It's a chance for them to rectify a situation and re_iew any training needs. It's also a good opportunity for them to liaise with a customer, provide reassurance and then hopefully said customer will then pass on to their friends how good a service they have just received. It's a chance to turn a negative into a positive. So in your case the bank have not only breached data protection but it appears that they have also not been correct in telling you that no correspondence was issued to the address, when in fact it had. So a complaint would be necessary and then it would be up to the bank to decide if compensation was required. " To be honest I don't want to get the little old lady in my bank in trouble so I won't complain. But I will leave as she serves me on a regular basis. Iv got 2 accounts anyway so not to much hassle leaving lloyds. | |||
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"Ok a bank that I won't name has managed to change my address and send my bank statements to a complete stranger, I have never heard of this address let alone lived there. This pissed me off as surely it's against data protection? The bank admitted it was there fault. " What ever they do or offer I would be moving banks as there would be no trust. | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally
I use mobile banking with mine.
Because I have to log in via a secure code I can push the 'call us' button (comes off my contract minutes so free) and a voice (English!) answers within seconds using my first name.
No questions at all.
A"I dont use mobile banking but i do use internet banking, i remember the various codes and passwords for that but if i go into the branch or phone them up they ask me security questions of which i have no idea of the answers as i didnt set them up .... they must have set them up  | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally "Just call up and ask for telephone banking, they'll send you out a six digit number, this saves all the stupid security questions | |||
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"I am also with Lloyds but they still ask me various security questions and i have no idea what the answers are as i didnt set up the security questions (they did) lol Snap....they always ask security questions here too...and yes because I use internet banking normally, I have forgotten any answers that were set up originally
Just call up and ask for telephone banking, they'll send you out a six digit number, this saves all the stupid security questions "I do mine online now so no need for it x | |||
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