[access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home

Hi Derek,

Thanks for that, a nice clear explanation.  Why don't people get the words
reasonable and adjustment and settle for it sometimes?

All the best

Steve

-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of
Derek Hornby
Sent: 21 May 2007 20:35
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home

Colin said:
"You're guaranteed against fraud already provided you can evidence 
that you did not purposely allow your online details to be compromised.
So what is the reasonable adjustment there?"

Ok  the bank can say:
"here is your key  pad  you must use it"

You can't, because blind.
So  the bank says:
"ok  as you can't use the key pad  we will let you stay with old set-up."
Reasonable adjustment!
I think the point is,   the key pads simply are  aimed to  cut  the bank's
losses.
But  at end of the  day allowing  us to stay with present system makes
no  difference  to us, it  just means  the bank is willing to  take the
extra risk, but only for those that can't use the key pads.

It's like chip & PIN  in the  shops. The banks  would prefer
everyone to use  chip & Pin  in the  shops, but some people can't.
So  chip & signature  is  available. 
But those that  use chip & signature,  the banks  take on the extra risk.
Regards,
Derek

e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx 

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