[access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home

  • From: "Barry Hill" <bbinc@xxxxxxxxxxxxx>
  • To: <access-uk@xxxxxxxxxxxxx>
  • Date: Thu, 24 May 2007 10:43:44 +0100

Hi Colin

I can see how it should be used generically, fair treatment using a more 
favourable service to avoid discrimination.  It's just that I couldn't find 
it in the act other than with reference to authorities.  However, it does 
sound like you are quoting human rights.

Barry

----- Original Message ----- 
From: "Colin Fowler" <col.fowler@xxxxxxxxxxxxxx>
To: <access-uk@xxxxxxxxxxxxx>
Sent: Wednesday, May 23, 2007 9:57 AM
Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home


Barry,

It is a fundament of the DDA regardless, however when considered with
justification private and public concerns may be reasonable in treatment
which could well be less favourable. The justification argument is less
strong these days, yet it is still a fact that is used; successfully or
otherwise.
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: "Barry Hill" <bbinc@xxxxxxxxxxxxx>
To: <access-uk@xxxxxxxxxxxxx>
Sent: Thursday, May 24, 2007 9:15 AM
Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home


>I might be wrong, but doesn't the *more favourably* only apply to public
> authority's, such as hospitals, local and central government, schools and
> colleges?
>
> Barry
>
> ----- Original Message ----- 
> From: "Colin Fowler" <col.fowler@xxxxxxxxxxxxxx>
> To: <access-uk@xxxxxxxxxxxxx>
> Sent: Sunday, May 20, 2007 10:35 AM
> 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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