NatWest Data Breach Compensation Claims Guide

This guide explains the steps you could take should a NatWest data breach occur and your personal data is affected. National Westminster Bank Plc, commonly known as NatWest, is a major commercial and retail bank in the UK.

Within this guide, we are going to explore who could make a personal data breach claim should their bank be responsible for this information being compromised. Personal data is any information that can be used alone or in conjunction with other data to identify a living person. A comprise of this data can cause you, the data subject, to suffer mentally or lose out financially

This guide will provide a clear understanding of what a personal data breach is and how it could be caused. We will also look at the criteria you must meet to enable you to pursue personal data breach compensation.


NatWest Data Breach Compensation Claims Guide

Finally, we will examine the benefits of instructing a solicitor under a specific No Win No Fee agreement, providing you have a valid case and want expert advice. This agreement is offered by our panel of solicitors, so to find out more, contact our advisors today by:

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Natwest Data Breach Compensation Claims Guide

The UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA) dictate how controllers and processors handle your personal data. Since banks are data controllers, they must adhere to this legislation. A data controller decides how and why your personal data is used and can opt to process it themselves. They can also outsource the processing task to a data processor, who would work under the controller’s instruction.

The Information Commissioner’s Office (ICO), a UK independent executive body, define personal data as information that enables someone to be identified when used alone or in combination with other information. This could include your name, address or personal data related to your health or political opinion.

Also, they state that a personal data breach is a security incident whereby the integrity, confidentiality and availability of personal data have been affected.

However, should a bank fail to comply with their legal obligations, which causes your personal data to become compromised, you could suffer mental harm, financial loss or both. In such circumstances, claiming personal data breach compensation might be possible if you meet the eligibility criteria.

To satisfy the eligibility criteria to claim personal data breach compensation, you must be able to show that:

  • Due to a data controller’s or data processor’s failings, a data breach occurred
  • Your personal data was part of this breach
  • Following the breach, you suffered psychological harm, financial loss or both

Should there be a NatWest data breach and you have clear evidence that you satisfy this criteria, contact our advisors to see what your potential next steps could be.

Causes Of A Bank Data Breach

This section will provide examples of how a bank data breach could happen:

  • If a bank had a poor online security system, hackers could exploit its vulnerability and access the personal data not only of customers but staff too.
  • A bank could unintentionally send personal information to the wrong email address
  • A bank sends your credit card statement to the wrong address. 

Should there be a NatWest data breach that affects your personal data for which you suffer harm, contact our advisors to see what your potential next steps could be.

Evidence Needed In A Bank Data Breach Claim

Not all data subjects who fall victim to a data breach have the right to make a claim. If the data controller has done all they can to protect your personal data, but a breach still occurs, a claim is not likely. As we have mentioned to be eligible to make a personal data breach claim the breach must have been caused by the bank’s failings, resulting in you suffering psychological harm, monetary loss or both.

Evidence you could gather and supply to prove this includes:

  • Correspondence from the bank informing you about the data breach and which personal data was involved.
  • Medical records if you have experienced mental harm.
  • Evidence of your financial losses if you have suffered any.
  • ICO report about the breach if they have investigated it

Should a Natwest data breach occur and you have clear evidence that you satisfy the eligibility criteria, contact our advisors to learn more today.

How Much Could You Get For A Personal Data Breach Claim

If you make a personal data breach claim and succeed, you will be awarded a settlement. You could claim for both material damage the financial loss you suffer and non-material damage which is the mental harm you are caused. 

Legal professionals could use the Judicial College Guidelines (JCG) to help assign value to your non-material damage. The JCG is a publication that lists injuries along with their severities and accompanying compensation guideline brackets.

Below is a table containing guideline valuation brackets extracted from the JCG. The figures displayed should only be used as guidance since each case is unique and compensation levels vary.

Compensation Table

Harm Severity Compensation Description
Psychiatric Damage Severe £54,830 to £115,730 Marked problems, including ability to work or study. Also could have an impact on relationships. The prognosis will be very poor.
Moderately Severe £19,070 to £54,830 Significant problems, similar to the above but distinguished from it as the prognosis will be much more optimistic.
Moderate £5,860 to £19,070 May have been similar problems to those outlined above but a marked improvement will have been made and the prognosis will be good.
Less Severe £1,540 to £5,860 When compensation is calculated, factors such as the severity of the symptoms and their duration, will be considered.
Post Traumatic Stress Disorder (PTSD) Severe £59,860 to £100,670 Permanent effects, preventing person from working and badly affecting all parts of their life.
Moderately Severe £23,150 to £59,860 Significant disability for the foreseeable future but with a better prognosis than above due to some recovery with professional help.
Moderate £8,180 to £23,150 Large recovery made with any continuing effects not being grossly disabling.
Less Severe £3,950 to £8,180 Virtually a full recovery made within one to two years.

Should a Natwest data breach occur, and you can show that it caused you financial loss, mental harm or both, our advisors might be able to help. 

Could I Claim With A No Win No Fee Solicitor For A NatWest Data Breach

To find out if you could make a personal data breach claim why not call our advisors today, in a free-of-charge consultation, you could have your case assessed for free. If it’s determined that your case is valid, a skilled data protection breach solicitor from our panel could offer to work under a Conditional Fee Agreement, providing you with several benefits.

This type of No Win No Fee agreement means no solicitor service fees are payable upfront or during your case. Moreover, if your case wins, you will be awarded compensation from which your solicitor would take a small, legally capped percentage.

This is known as a success fee and will not be charged if you don’t win your claim. Should a NatWest data breach occur and you have evidence to prove that you satisfy the eligibility criteria, contact our advisors for free advice. 

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Resources Related To Claiming For A Bank Data Breach

We hope this guide has answered your questions about claiming compensation for a data breach. 

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