hi Andy, How quickly did they refund your money though? Unless it's instantaneous or at least noticed fairly quick we would have to put up with the hassle of direct debit charges as money was taken out that wasn't there.... Then we'd have to go the the hassle of claiming that back, and it could end up in real mess in not too much extremes. I think there's a princible to be drawn here on this as well... It's exclusion if we're forced to opt out and if leaves us potentially vunrable, or at least more so than other computer users. . I'd even go as far to say it's leaving us with a lesser quality of service and protection. Am i sounding like Derek yet? grins, JK Derek. Dj Paddy Ôà ----- Original Message ----- From: "Andy Collins" <andy@xxxxxxxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Friday, May 18, 2007 6:48 PM Subject: [access-uk] Re: Chip and pin online banking. Well, the only time I experienced anything like this--and it wasn't on-line--the bank sorted it out, and refunded their charges for me being overdrawn as a result of the fraud - Andy ----- Original Message ----- From: "Dj Paddy" <mygroups@xxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Friday, May 18, 2007 5:14 PM Subject: [access-uk] Re: Chip and pin online banking. | The thing is though we're still less secure. Even if your account had frad | carried out on it, you still have to deal with the hassle don't you? | | I've never had my account hacked or abused before, but I imagine you dont' | just get the funds straight back in? What if you had bils to pay? | | Dj Paddy | Ôà | ----- Original Message ----- | From: "Andy Collins" <andy@xxxxxxxxxxxxxxxxxxx> | To: <access-uk@xxxxxxxxxxxxx> | Sent: Friday, May 18, 2007 2:40 PM | Subject: [access-uk] Re: Chip and pin online banking. | | | Surely if customers are offered a "opt out" for whatever reason, this | doesn't come with a penalty of reduced rights in the event of fraud! - Andy | ----- Original Message ----- | From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx> | To: <access-uk@xxxxxxxxxxxxx> | Sent: Friday, May 18, 2007 2:29 PM | Subject: [access-uk] Re: Chip and pin online banking. | | || Barry said: || "The thing is if we have an opt out then we're not as secure as || peers who can use the technology." || || Yes but that's same as the chip and PIN in the shops. || If we opt for chip and Signature in the shops, there is a higher risk || of fraud compared to if we use chop and PIN in the shops. || I would think if there is to be an opt out for the chip and PIN || at home, on grounds of disability, the banks may have to take the || responsibility should there be any fraud, just as they do now || take on the responsibility if there is fraud for chip and || signature in the shops. || || || Regards, || Derek || || e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx || || "The key is to get the technology working and used by all. If the device, || (whatever it may be), can be plugged in when prompted and communicate || with the network unattended, I think this would be the better route than || opting out." || || I wonder what The RNIB is doing on this matter? || || ** To leave the list, click on the immediately-following link:- || ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] || ** If this link doesn't work then send a message to: || ** access-uk-request@xxxxxxxxxxxxx || ** and in the Subject line type || ** unsubscribe || ** For other list commands such as vacation mode, click on the || ** immediately-following link:- || ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] || ** or send a message, to || ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq || || || -- || This email has been verified as Virus free || Virus Protection and more available at http://www.plus.net | | ** To leave the list, click on the immediately-following link:- | ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] | ** If this link doesn't work then send a message to: | ** access-uk-request@xxxxxxxxxxxxx | ** and in the Subject line type | ** unsubscribe | ** For other list commands such as vacation mode, click on the | ** immediately-following link:- | ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] | ** or send a message, to | ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq | | | __________ NOD32 2276 (20070518) Information __________ | | This message was checked by NOD32 antivirus system. | http://www.eset.com | | | ** To leave the list, click on the immediately-following link:- | ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] | ** If this link doesn't work then send a message to: | ** access-uk-request@xxxxxxxxxxxxx | ** and in the Subject line type | ** unsubscribe | ** For other list commands such as vacation mode, click on the | ** immediately-following link:- | ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] | ** or send a message, to | ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq | | | -- | This email has been verified as Virus free | Virus Protection and more available at http://www.plus.net ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq __________ NOD32 2277 (20070518) Information __________ This message was checked by NOD32 antivirus system. http://www.eset.com ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq