[access-uk] Re: Chip and pin online banking.

  • From: "Andy Collins" <andy@xxxxxxxxxxxxxxxxxxx>
  • To: <access-uk@xxxxxxxxxxxxx>
  • Date: Sat, 19 May 2007 10:15:13 +0100

In answer to your last question; just a bit <smile> - Andy
----- Original Message ----- 
From: "Dj Paddy" <mygroups@xxxxxxxxxxxxx>
To: <access-uk@xxxxxxxxxxxxx>
Sent: Friday, May 18, 2007 10:59 PM
Subject: [access-uk] Re: Chip and pin online banking.


| 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?
|||
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