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? ||| ||| ** 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 | | | -- | 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