Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Readers might like to listen to today's You and Yours for some cases where people have lost money through fraudulent use of their Chip&PIN and had the experience of the bank refusing to pay up.
Sandara Quinn (the lady representing the card industry) and Nigel Evans MP failed to mention that consumers dont have to have PINs if they don't want them.
Chip & signature cards are available for those who simply don't trust PINs
I read a story a while ago (Nov 2004) about a bloke in the UK who had an entry added to his credit reference which stated that he wouldn't accept any claims against him for fraudulent loan/credit applications unless the application was accompanied by his fingerprints;
LOL. Actually, any details about my medical history are completely confidential and they have no right of access to them. So all they have to go on is my word. And if they don't take it I shall lumber into action the might of the CAG Team of 30,000 users...
So shops and stores can still accept payment with signatures? They have been lying to us then since 14 Feb saying the payments will only be accepted with chip & pin?
No the shops have never lied, but the card industry is a bit economical with the truth and how the sPIN it.
When a retailer is presented with a Chip & signature card they can't tell if it's Chip & PIN or Chip & Signature until the chip is read, and either a prompt to enter a PIN appears OR a transaction slip is produced for the cardholder to sign in the normal manner.
No the shops have never lied, but the card industry is a bit economical with the truth and how the sPIN it.
When a retailer is presented with a Chip & signature card they can't tell if it's Chip & PIN or Chip & Signature until the chip is read, and either a prompt to enter a PIN appears OR a transaction slip is produced for the cardholder to sign in the normal manner.
Blame the Chip & PIN people, not the retailers.
The quick way to get a C&S card - enter your PIN incorrectly three times. The card will be PIN blocked and only work with a signature. This happened to me (admittedly prior to 14th Feb) when I forgot the PIN. I'm not certain if it is the case now though.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
The quick way to get a C&S card - enter your PIN incorrectly three times. The card will be PIN blocked and only work with a signature. This happened to me (admittedly prior to 14th Feb) when I forgot the PIN. I'm not certain if it is the case now though.
The only problem with that is that I cannot then use it as a cashpoint card...
The only problem with that is that I cannot then use it as a cashpoint card...
I thought I'd read somewhere that ATMs used the stripe still - I might be wrong though.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Absolutely correct it does deny access to cash from ATMs to you and the bad guys. You can get cashback with your debit card only at major retailers or over the counter at a branch using your signature. Therefore you don't have to be concerned about PIN misuse if you've not got one.
What I do personally, is I have a card (PIN or Signature operated )savings account which I keep low amounts of cash in for everyday use. The card can be used at ALL ATMs, but as it doesn't have a Visa or Mastercard not in shops.
not all retailers are using chip and pin anyway, i had to sign y'day when buying some fish food at a garden centre!
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Chip and PIN is yet another way for the banks to pass the buck to the customer for fraud.
Banks are liable for any unauthorised transactions on an account unless they can prove that the customer has been negligent. With a signature on the back of the card anyone could learn it and it was hard to prove that the customer was negligent. With a PIN the card theif would have had to see a PIN being entered, hey presto, customer at fault, customer liable.
Card fraud is falling slowly, banks liability for said card fraud has fallen sharply.
More 'champagne for the shareholders meeting'.
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Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Card fraud is falling slowly, banks liability for said card fraud has fallen sharply.
More 'champagne for the shareholders meeting'.
And interest rates that 'are high to cover the cost of fraud' are still not coming down...
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
God help them. If they haven't upgraded their swipecard thingy, they are liable for any fraudulent use...
Retailers base their decision to opt for Chip & PIN or remain with the old system based on risk and cost.
In the same was as you can make hopefully an informed decision on whether to opt for Chipped cards with PINs or Chipped cards with Signatures based on your needs. (Do you fell safer using a PIN, can you meet PIN T&Cs (the card industry cant), if a disputed transaction arises where a PIN is used are you confident you know what to do?)
Think about it. Visa/MasterCard etc openly allow retailers / other countries to opt in or out of Chip & PIN. Yet they fail to tell UK consumers they can opt out of PIN.
I've always been against Chip and Pin, I believe it puts customers at more personal risk.
I bought a pair of sunglasses at Millets the other day and to my surprise they don't use Chip and Pin, took me by surprise I had to sign.....happy with that! ;-)
Out of interest "finger-print" technology is widely used in Mexico, why did the banks not save all the money they spent on promoting Chip and Pin and spend it on something even more secure/safe.
Y
Credit Cards
Barclaycard -WON! Amex - WON! MBNA (x2) - WON!
Mint - WON! Monument - WON! Morgan Stanley - WON!
Egg - WON! Halifax - WON! Sainsbury's Bank - WON!
Citi Cards -WON!
Banks
08/06/06 Claim against NatWest started.
01/11/06 Case Closed
08/06/06 Claim against Halifax started
24/08/06 Case closed
...and when customers TRY to opt out of Chip & PIN they are refused the option to do so.
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"
Chip & PIN again
cards are available for those who simply don't trust PINs
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Originally Posted by JimmyTheOne
Re: Chip & PIN again
