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I received a letter from capital one telling me that they would refund all charges. The next day I received a letter from a couple in Shropshire saying that they had also applied to get their charges back and had done so successfully. In the envelope with their letter was also my acceptance form with all my card details on it and my full address. Capital one had put my letter in their envelope. Is this breaking the data protection act.

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It would seem so. There are quite a lot of examples of this sort of error around the forum. One of the most popular reactions has been to send a strongly worded letter to your MP, highlighting the fact that in these times where identity fraud is a major concern, it is alarming that banks can still be so careless with personal information.

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