[access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home
- From: "Colin Fowler" <col.fowler@xxxxxxxxxxxxxx>
- To: <access-uk@xxxxxxxxxxxxx>
- Date: Sun, 20 May 2007 19:43:03 +0100
Steve,
Rubbish! 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? and how does that differ from a
service that is available to anyone?
When it comes to missing the point, whatever!
----- Original Message -----
From: "Steve Nutt" <steve@xxxxxxxxxxxxxx>
To: <access-uk@xxxxxxxxxxxxx>
Sent: Monday, May 21, 2007 7:25 PM
Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home
> Hi Colin,
>
> Sorry, it is you that is missing Derek's point. The fact that the bank
> will
> guarantee you against fraud even if you log on in the old fashioned way,
> is
> itself reasonable adjustment. Fuss over nothing methinks.
>
> -----Original Message-----
> From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf
> Of
> Colin Fowler
> Sent: 20 May 2007 10:36
> To: access-uk@xxxxxxxxxxxxx
> Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at
> home
>
> Derek,
>
> That is complete rubbish, it would only constitute a reasonable adjustment
> if the person receiving that adjustment was at no disadvantage compared
> with
>
> others.
>
> Your argument in defence of the bank is complete nonsense. Ask yourself,
> why
>
> are the banks introducing ACD? The consensus of opinion is - security?
> Yes?
> So, it is obvious, would you not agree? that the banks consider anything
> other than ACD as less secure? Yes? Or why are they introducing it?
>
> Therefore, useing your annalysis of there exemption for blind and visually
> impaired customers, this apparent reasonable adjustment, is less secure,
> which is therefore treating those that opt to use it, at a disadvantage
> compared with those for whom a similar reason would not apply.
>
> Let me just remind you of something. The DDA does not refer to equal
> treatment for disabled people, it actually states that a disabled person
> should be treated more favourably than someone for whom a similar reason
> would not apply.
>
> Blind and visually impaired customers should therefore be insisting on the
> same levels of increased security,rather than being only too ready to
> accept
>
> an exemption from these new security precautions, and if that means that
> the
>
> banking industry has to invest in a ACD product that is accessible, than
> so
> be it! I can't precisely recollect the profits that Lloydds TSB made last
> year, but I'm sure that it was in excess of 5 billion.
>
> Kind regards
>
> Colin
>
>
>
> Colin Fowler
>
> Disability Consultant
>
> Tel: 01582 483 283
>
> Text/mobile: 07901 573 570
>
> E mail:
>
> col.fowler@xxxxxxxxxxxxxx
>
> www.social-model.org.uk
>
> disability@xxxxxxxxxxxxxxxxxxx
>
>
>
>
>
> ----- Original Message -----
> From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx>
> To: <access-uk@xxxxxxxxxxxxx>
> Sent: Monday, May 21, 2007 9:53 AM
> Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at
> home
>
>
>> Hi Colin
>> You said:
>> "This is certainly not acceptable, and frankly I'm disappointed of your
>> acceptance of a process which would be considered as treating blind and
>> visually impaired customers at a considerable disadvantage compared with
>> others for whom a similar reason would not apply."
>>
>> Lets look again what the bank did say:
>>
>>
>> "Any customers that are not able to use the ACD device will be able to
>> continue to use memorable information to log on with."
>>
>> Reasonable adjustment, can't use the key pads so we let you stay
>> with old set-up.
>>
>> Now this next bit is proof the blind customer will not be at a
>> disadvantage compared to those that will have to use the key pads.
>>
>>
>> "When using our Internet Banking service you will be covered under our
>> Online
>> Fraud Guarantee as long as you've been careful, for example, by taking
>> reasonable steps to keep your security information safe. This guarantee
>> would
>> apply to your accounts regardless of the above method you were logging on
>> with."
>>
>>
>> Regards,
>> Derek
>>
>> e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx
>>
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