[access-uk] Re: Is it illegal

  • From: "andrew shipp" <andrew.shipp@xxxxxxxxxxxxxx>
  • To: <access-uk@xxxxxxxxxxxxx>
  • Date: Sun, 10 Jul 2011 15:47:29 +0100

yes ok I know what your saying, but it is the manager that has done this. so I am determined to fight it and get it reverse. I only wish I could stick to one support worker but I don't think it is an option for me. might look in to it though. Thanks Clive. take care Andy S
-----Original Message----- From: Clive Jacobs 
Sent: Sunday, July 10, 2011 3:39 PM
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Is it illegal

Hi Andy, I guess this is a compromise as good as any. Perhaps restricting
access to your PIN  to one carer is an option although there is of course no
guarantee that this number will remain confidential and not mentioned to
another unauthorised person. It is down to trust and placing trust in a
select few perhaps.

It is not ideal and it can get very frustrating at times. Tomorrow is
another day after all and who knows what the new day will bring. Regards to
you, Clive.



--
I ain't dead yet!
----- Original Message ----- From: "andrew shipp" <andrew.shipp@xxxxxxxxxxxxxx> 
To: <access-uk@xxxxxxxxxxxxx>
Sent: Sunday, July 10, 2011 2:00 PM
Subject: [access-uk] Re: Is it illegal
Hi Clive, But the support workers don't use my card without me there, I carry the cards with me, the only time they touch it is when I am either with drawing money or paying for things, once the transaction is done they give me the card right back.
-----Original Message----- From: Clive Jacobs 
Sent: Sunday, July 10, 2011 12:22 PM
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Is it illegal
Hi Andy, as a lot of others have said it is not illegal to ask somebody else 
to use your card provided it is with your permission each time it is used.
It will almost certainly be a breach of the bank's terms and conditions and in the event of your card being used without your consent there would be no 
redress from the bank to reimburse you for any loss.

It is sad that the rules no longer permit carers to withdraw money for you
but it is designed or is intended to offer some protection from potential
fraud being perpetrated  on vulnerable adults. The CRB checks do not
guarantee a clean bill of health. The cynic in me says that there are a
small number of dodgy characters out there and that a CRB check and a clean 
record are merely an indication that to date the person has not been found
out yet.

As others have suggested it is always a good idea to pop into the local
branch of your bank or building society and speak to a senior employee
within the branch to explain your particular circumstances. Like you I too
suffer  from some lack of sensation in the fingers and our local branch of
our bank have tried to be flexible and to work around the problem and i now 
use a chip and sign card. It is still not always ideal and still causes me
the odd problem once in a while, but when the banks and carers seem to be
less than helpful where common sense should prevail, often the nanny state
steps in and logic and reason vanish over the horizon.

Hope this helps, Clive.





--
I ain't dead yet!
----- Original Message ----- From: "andrew shipp" <andrew.shipp@xxxxxxxxxxxxxx> 
To: <access-uk@xxxxxxxxxxxxx>
Sent: Sunday, July 10, 2011 9:29 AM
Subject: [access-uk] Re: Is it illegal
yes I understand all that. but if all the support workers are CRB checked then this is saying that they are safe. I've got about twelve support workers here and not one of them uses my card without me being there. every one of them is 100% trust worthy a very rare thing these days to find
-----Original Message----- From: Ibrahim Gucukoglu 
Sent: Sunday, July 10, 2011 9:18 AM
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Is it illegal

Hi Andrew.

Well, strictly speaking it is against the terms and conditions of the
contract with your bank, which usually states that only you should know your pin number, however if you do choose to give your pin number to your support worker, it'll be a question of trust. If your support worker should dame to 
betray that trust by using your cards in a fraudulent manor, the bank is
under no obligation to refund you for any transactions made while the pin
number has been used, because the card has to be present for such
transactions.  In this respect and this respect only, chip and pin is
potentially more risky to use than the signature strip method, where you
have to hand your card to a cashier to be swiped because a cashier doesn't 
need to see the card when paying using a terminal.

All the best and if you do have specific problems with your hands, you
should ask your bank about alternatives to withdrawing money if you don't
want to take unnecessary risks.

All the best, Ibrahim.
-----Original Message----- From: andrew shipp 
Sent: Sunday, July 10, 2011 8:37 AM
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Is it illegal

Hi All,     does anyone know if it is  100% illegal   for your support
worker  to put your pin number in  the ATM or  in one of the pin machines
in a shop?  I am diabetic  and have berry bad neuropathy   which is
affecting  my  fingers  now  meaning that I cannot feel  things properly,
such  as the little   pip  on the number  five. I am so    determined  to
fight   the place where I live over this.  I  look forward to  any help
regarding  this problem.   Many  thanks in advance. Andy S

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