Derek, Of course they are at a disadvantage, it doesn't matter what the banks say or otherwise. The simple fact behind the banks introducing ACD for increased security is to reduce the opportunity of fraud as online banking is conducted currently. It means that if customers that are able to opt out because they believe that to be a reasonable adjustment are physically less secure, then they are being treated less favourably. Why would the banks be going to so much trouble and expense of increasing security by introducing ACD if they felt that the current process was secure? It is the choice of the individual at the end of the day, but if there choice is to compromise on security, then the rest of the banks customers shouldn't be expected to pay for that. Likewise, disabled activists that actually understand the implementation of the social model and the dismantleing of barriers shouldn't have to experience the continued undermining by disabled people that are only too quick to be thankful for the most inappropriate gesture 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 11:30 AM Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home > Colin said > "it would only constitute a reasonable adjustment if the person receiving > that adjustment was at no disadvantage compared with >others." > > Agreed, and that is why I said it is a reasonable adjustment, > because the blind customers will not be any worse off compared to > other customers. Read again what the bank said about fraud! > > "Your argument in defence of the bank is complete nonsense. Ask > yourself, why are the banks introducing ACD?" > > Doesn't matter why, qhat does matter is will the blind customers be > any worse off, and the answer seems to be no! > > 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