[access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home
- From: "Graham Page" <gpage@xxxxxxxxxxxxxx>
- To: <access-uk@xxxxxxxxxxxxx>
- Date: Mon, 21 May 2007 20:35:03 +0100
that's OK steve as far as it goes but presumably you stand more of a chance
of being the recipient of that fraud attempt in the first place and that is
worrying as I would rather not have to go through the hassle of trying to
claim back from the bank in the first place.
It is not just visually impaired people that this affects though. People
with varying degrees of dyslexia often find it tricky to remember sets of
digits and often have a slower writing speed than average. I believe you
get about a minute to input the code before it changes. Then there may be
instances where the transfer of the number back to the device to check
against what the user types in may be blocked by firewalls. Then there are
those who find this kind of technology scary who aren't really that keen on
using the computer at all.
I've not been following this story too closely I must admit but I assume the
banks are carrying out reasonably large trials to see what people think of
this technology before introducing it.
If this is meant to be a more secure system, the more people that have to
opt out because they can't use the system, the less of a security
improvement there is. We will have to see what happens as this one unfolds
I suppose.
Cheers
graham
----- 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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