But, the current system relies on the customer proving that they have not been negligent. Is a virus or trojan on my computer negligence? Even with up to date anti virus and spyware, they can still get through as the writers of the security programmes are always behind the writers of the malware. How do I prove that I did all to stop a virus? The home chip and pin system will cut out any possible negligence as a result of malware. Barry ----- Original Message ----- From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Wednesday, May 23, 2007 10:26 AM Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home Colin said "You have your understanding of what is reasonable, I have mine, and the interpretation of which would stand in a court would be down to the ajudication of a district judge." Ask yourself why nobody is taking the bank to court? Ask yourself why no organisation is taking the bank to court? It is because it's obvious the bank would win. Why is it obvious? Because the blind customer is not being put at a disadvantage, and so far nobody has proven different. All that has been proven is that theb blind customer is being allowed to access a service in a different way to others, and that's it, no big deal. It is the bank, not the blind cutters, that take the greater risk just as they do by allowing the blind to opt-out of chip and PIN and use chip & and Signature. Do you feel chip and & signature should not be on offer to those that cannot use chip & PIN? So two issues: 1. Chip and PIN in the shops. Some people cannot use the key pads. The bank responds with: "ok you can carry on signing no need to use key pads" so customer gets a chip and signature card. The bank takes on the extra risk for this kind of Custer. 2. Chip and PIN at home. Some people cannot use the system. to bank says: "Ok you can carry on with the present system" Again the bank takes on the extra risk same as they do for the chip and signature customers. Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** 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 ** 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