NatWest Data Breach – Could I Make A Data Breach Claim?

NatWest Data Breach - Could I Make A Data Breach Claim?

NatWest Data Breach – Could I Make A Data Breach Claim?  

This guide will examine what could be involved should a NatWest data breach ever occur. In this guide, we shall look at examples of personal data breaches. In addition, we look at who might qualify for data breach compensation. We also examine how the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 have given you, the data subject, more rights over the processing of your personal data. 

You could experience harm, both to your mental health as well as your finances, should your personal information be involved in a personal data breach. We explore potential causes of such breaches and also actions that can seek to prevent them. 

Malicious data breaches aren’t the only way your personal data could be breached. We explore examples of accidental data breaches. 

The UK GDPR has set the eligibility criteria for claiming data breach compensation in Article 82 of the regulations. In addition, we provide examples of guideline bracket compensation amounts for mental health damage. 

A data breach solicitor could help the claims process seem easier. We explore No Win No Fee arrangements and why one could be beneficial for you. 

To get in touch with our advisors:

Select A Section

  1. What Could Be Meant By A NatWest Data Breach?
  2. Types Of Financial And Banking Data Breaches
  3. Are You Owed Compensation For A Bank Data Breach?
  4. If A NatWest Data Breach Should Occur, Do I Need To Take Any Action?
  5. What Could Your Data Breach Claim Be Worth?
  6. Could No Win No Fee Solicitors Provide Advice Should A NatWest Data Breach Happen?

What Could Be Meant By A NatWest Data Breach?

A personal data breach is a security incident impacting the integrity, confidentiality and availability of your personal information. Data breaches do not only happen because of hackers or cyber criminals. Very often, they are caused by human error. They can be accidental or caused through deliberate actions. Both digital data and physical data are protected by the legislation mentioned above. 

Not all data is protected by data-protection legislation. Personal data such as your name, address, phone number, and debit and credit card details are protected. However, personal information that is considered sensitive in nature, such as your ethnic origin, sexuality and Trade Union membership status, is also protected but with an added amount of security.

If a NatWest data breach did ever actually occur and your personal data was involved, our advisors can provide you with free legal advice when you call up. 

Types Of Financial And Banking Data Breaches 

As we have mentioned, a personal data breach is a security incident that can mean your personal data can be lost, stolen, altered, destroyed, or accessed without authorisation or verbally disclosed.

Hackers can find weaknesses in online cyber security systems, so it is vital that organisations ensure that they keep online defence systems up to date and to the relevant standards. But this also means training staff on online security and being data-aware.

On that note, as more data breaches occur due to human error than any other cause, it is strongly recommended that all organisations that handle personal data ensure that their staff are trained in UK GDPR compliance as well as the importance of keeping personal data secure. As you will see from the graph below, a lot of data security incidents happen due to the misdelivery of personal data.

 Finance, Insurance And Credit Sectors Data Security Incident Statistics

Monitoring of data security incident trends is done by the Information Commissioners’ Office (ICO). Below is a graph illustrating data security incidents reported to the ICO by the finance, insurance and credit sectors during the 2021/22 fourth quarter. 

NatWest Data Breach – Could I Make A Data Breach Claim?

Non-cyber security incidents reported by the finance, credit and insurance sectors fiscal 4th quarter 2021/22.

Are You Owed Compensation For A Bank Data Breach? 

Article 82 of the UK GDPR sets the criteria for a data subject to be able to make a personal data breach claim for compensation. Data breaches can happen for different reasons. Many are caused by accidents, while some happen due to malicious intent. This is not a barrier to claiming. However, not all those who will be affected by a data breach could go on to make a claim. You must first satisfy the below criteria:

  1. A data controller, those who will set the purpose for the data processing, or the processor, those who may process the data on behalf of the controller, failed in their obligation to comply with data protection laws.
  2. This results in a data breach occurring, and
  3. The data subject was mentally and/or financially harmed as a consequence.

If the data controller or processors did all they could to adhere to the applicable laws but still suffered a breach, a claim is unlikely.

Our advisors are on hand any day of the week, 24 hours a day, to provide free advice should a NatWest data breach occur and involve your personal information.

If A NatWest Data Breach Should Occur, Do I Need To Take Any Action?

There are steps that you as a data subject can take to protect your personal information.

If you suspect a data breach, you could:

  • Change passwords. Someone could impersonate you online, for example, if they gain access to your social media. 
  • Beware of unsolicited emails or text messages that appear to be authentic.
  • Keep an eye on your bank accounts to check for fraudulent activity. 

Our advisors can assess any potential data breach claim in a free consultation that carries no obligation. Why not call today for free legal advice? 

What Could Your Data Breach Claim Be Worth? 

There is no easy way to provide an average amount for data breach compensation. This is because each and every case is different. As a claimant, you can be awarded two types of compensation if your personal data breach claim is successful. 

Material Damage

For any financial losses caused by the data breach. This can include fraudulent purchases made in your name, damage done to your credit score, or stolen funds from your bank account.  

Non-material Damage

Diagnosable mental harm, such as post-traumatic stress disorder (PTSD), stress or distress suffered as a result of a data breach. 

However, since the ruling in the Court of Appeal case, Vidal-Hall and others v Google Inc (2015), it is now possible to claim for mental health injuries alone. Before this case, in order to claim for non-material damage, you must also be claiming for material damage.

We have used a document called the Judicial College Guidelines (JCG) to complete the table below. The document is often used by professionals when calculating damages for injuries and illnesses. 

In the table below, we’ve included examples of psychological injuries from the 16th edition, published in April 2022. 

Injury Severity Potential Compensation Notes
Psychiatric injury Severe (a) £54,830 to £115,730 The psychiatric injury makes it difficult to cope with life and personal relationships. This is with a very poor prognosis for recovery.
Psychiatric injury Moderately severe (b) £19,070 to £54,830 Significant difficulties coping in life and personal relationships occur, but the prognosis is more positive than in more severe psychiatric injuries.
Psychiatric injury Moderate (c) £5,860 to £19,070 Although improvements in the claimant’s mental state occur, there are difficulties coping in life and personal relationships.
Psychiatric injury Less severe (d) £1,540 to £5,860 A period of mental injury that may cause problems sleeping and in other areas of life.
PTSD Severe (a) £59,860 to £100,670 The claimant won’t be able to function at the same levels as before the traumatic occurrence. This impacts all areas of life.
PTSD Moderately severe (b) £23,150 to £59,860 Professional help will allow for some recovery, but the claimant is still significantly disabled for the foreseeable future.
PTSD Moderate (c) £8,180 to £23,150 Some non-grossly disabling symptoms continue, but, the claimant has mostly recovered.
PTSD Less severe (d) £3,950 to £8,180 Minor symptoms may still be experienced, but, for the most part, a recovery has largely occurred.

If you have questions after reading this guide to steps that could be taken if a NatWest data breach were to happen, our advisors are available to speak to you at any time.

Could No Win No Fee Solicitors Provide Advice Should A NatWest Data Breach Happen? 

Claiming data breach compensation could seem easier with a solicitor. By hiring a No Win No Fee solicitor, there are no upfront fees to pay.

This is because No Win No Fee solicitors use a Conditional Fee Agreement (CFA). For you, this means you won’t pay an upfront solicitors fee. Taken from your award will be a success fee. A legal cap applies. If your claim is unsuccessful, you won’t pay a success fee. 

Call our advisors on the details below. If they can see you have a valid personal data breach claim, they can pass you to our No Win No Fee solicitors.

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