Chip & PIN again

[Movingon]

Originally Posted by JimmyTheOne

You shouldn't be. Just put it in writing you want a Chip & Signature card for personal safety and security reasons. Never discuss this with a call centre for the simple reason that 99% of them either know nothing of chip & Signatue or they've been briefed to stay quiet about this type of card.

On Friday I was in a branch of the Halifax. The lady on customer service, very helpful as she was, insisted that you could only get Chip & PIN cards and everyone must have one. That was until I spoke to her supervisor, and then was told, " if you want a Chip & Signature card, you can have one, just tell us"

Nice idea; however I wrote to them and they told me I could only have Chip & Signature if I was "physically unable" to use a Chip & PIN card... end of discussion; final answer, call the ombudsman.

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[JimmyTheOne]

Originally Posted by StoneLaughter

Nice idea; however I wrote to them and they told me I could only have Chip & Signature if I was "physically unable" to use a Chip & PIN card... end of discussion; final answer, call the ombudsman.

The information they gave you is incorrect.

Try again and say that you have difficulty with PINs. (Leave it at that). Tell them the card they have provided (Chip & PIN) is of no use to you. Please supply a PIN free card.

Would you care to say who your card issuer is? Maybe I can help you acquire a C & S card from this issuer.

Drop me a private message if you wish.

[Movingon]

It's a debit card from SMILE. It right peed me off I can tell you; they told me that this was their final answer though so I think that the doors are closed.

[mutzi]

This thread has reminded me to request a C&S debit card from the Nationwide. I've politely asked via my internet banking for a new card without giving a specific reason. I'll see where I get. If they do ask for a reason I'm considering something along the lines of 'disabling anxiety relating to the input of my PIN in environments where it might be freely observed.'

A rather nice site here about the drawbacks of chip & pin.

[JimmyTheOne]

Originally Posted by StoneLaughter

It's a debit card from SMILE. It right peed me off I can tell you; they told me that this was their final answer though so I think that the doors are closed.

Find out who the Head of Card Services is at Smile and address your letter to him/her. or you could try thiis (from another forum):

:
My bank decided that it would prefer to give me a Chip & Signature credit card rather than have me comply with their T&C on the Chip & PIN card.
The terms of the C&P card required "cardholders to notify the bank immediately the cardholder suspected anyone else knew their PIN" - the banks words not mine. I pointed out that everytime I used the card in a store I must suspect that someone knew my PIN (shop assistant, customer behind, CCTV camera operator). Even if I shielded my PIN I could not be sure nobody knew.
Therefore I was duty bound to call them and advise them of my suspicion and they could take what action they deemed necessary.
The T&C did not specify what action they would take and I would not insist on any. When they told me that the automatic action they would take was to cancel the card and re-issue it, the penny then dropped with the bank that they could either issue me 50 plus cards a year or issue a C&S card.
The thing I found interesting was the bank commenting that they didn't expect people to read the T&Cs. I wonder why.

[fivelaws]

they didn't expect people to read the T&Cs. I wonder why.

Arf!

In fairness, I don't think I've ever actually read all the T&Cs of any account I've ever opened.... until now, that is. Just converted my Egg CC into a loan (so I can Data Protection Act them for charges!) and read every last one of the clauses in the T&Cs, underlining the ones that aren't enforceable!

Like the idea of phoning them everytime I use the card... "Well, the T&Cs said I should"!

[thewifeandI]

Like I said once before in another thread, I would like to go into a bank to open a new account, sit down with an advisor and when it gets to the point of signing the contract I would go through it all and cross out all the clauses that I didn't agree with and lower all the penalty charges to realistic figures (max £1.50), initial all the changes and sign the contract. I know they will refuse the account, but I would feel so much better!!!

[Guy]

I didn't realise that you didn't have to have a c & P but could get C & S.

To get a sig card you could just say that you cannot remember any numerics, PIn's, Birthdays, phone numbers etc (there probably is a recognised disorder) and that you would have to write down any PIN therefore making the system un safe in your case.

[JimmyTheOne]

Originally Posted by Guy

I didn't realise that you didn't have to have a c & P but could get C & S.

To get a sig card you could just say that you cannot remember any numerics, PIn's, Birthdays, phone numbers etc (there probably is a recognised disorder) and that you would have to write down any PIN therefore making the system un safe in your case.

Absolutely

You can add the one number you can remember you use for something else (The combination lock for your suitcase) and you want to comply with best advice from the card watch website - you don't use the same number for more than one application. This, in an awful lot of cases, is the absolute truth, it certainly is in mine. A C&S card will be forthcoming.

[elsinore]

To get a sig card you could just say that you cannot remember any numerics, PIn's, Birthdays, phone numbers etc (there probably is a recognised disorder)

It's called DYSCALCULIA

Elsinore

[fivelaws]

If you claimed to have dyscalcula, making it impossible to process PINs, would the banks technically be in breach of the Disability Discimination Act for refusing you a signature card?

Would certainly be worth mentioning in a "cat+pigeons" sort of way...

[elsinore]

Originally Posted by fivelaws

If you claimed to have dyscalcula, making it impossible to process PINs, would the banks technically be in breach of the Disability Discimination Act for refusing you a signature card?

Would certainly be worth mentioning in a "cat+pigeons" sort of way...

What a devious mind you have, fivelaws!!

[JimmyTheOne]

The banks are pinning the blame on us - again

Hope the link above works - worth a read.

[sproggi]

Originally Posted by fivelaws

If you claimed to have dyscalcula, making it impossible to process PINs, would the banks technically be in breach of the Disability Discimination Act for refusing you a signature card?

Would certainly be worth mentioning in a "cat+pigeons" sort of way...

Think I will try this one out next week and see what LTSB say
OH has 'diagnosed' learning difficulties which make it impossible for him to remember PIN's and, since C&P, has relied on me to whisper it to him when making a transaction .

Will let you know what they say.

Sproggi

[JimmyTheOne]

"a sniffer in a chip and PIN terminal at a skilift in Livigno sent holidaymakers’ card and PIN details by SMS to Romania."

Click here for story

thats why we exist to put these banks out of their sorry misery

[JimmyTheOne]

Card Scam Victims 500, and Rising

Cash Card Machine Clone Menace.

Fear of Card Cloning at Garage.

Tamper Proof ATMs' well maye not.

(Tamper proof ATMs - BBC Radio 4 MoneyBox. To listen, When you click on the link. At the top right hand of the page, click onto Audio MoneyBox (the article in question is 9 mins into the transmission)

[JimmyTheOne]

According to Radio 5 News (Afternoon 13 Nov).


After being kidnapped, the victims were driven to different parts of London during their ordeal. They were cowed into handing over their valuables and pin numbers and many victims were beaten unconscious and left covered in blood.

Is it safer to PIN or to Sign?

[iwgunter]

I like the Yankie idea.

If you black out the signature strip on your card, then the cashier asks for photo idea. I don't know if this is "law" or just a polite thing that shops do off their own back to help protect the consumer.

Ian

[JimmyTheOne]

Cash Machines Bugged with MP3s.

and some more:

Stop Bank Card Scam!