Chip and PIN nightmare

Hazzanet

Deleted_User wrote:

Yes, then I will have to press F3 on the till to decline signature, explain to the customer that it is company policy not to accept signatures anymore and void the transaction if they have no other way to pay.

You don't work for Currys Digital do you?

I had an incident at their Swindon Store where some dipstick wouldn't accept my C&S card, and I ended up escalating it to their Head Office, and sent a load of bumph from the C&P site showing how the transaction *should* be handled.

Needless to say, the admitted that 'they had got it wrong', and now my card is accepted no questions asked.

James

allycat999 wrote:

My DH had his credit card skimmed, it was a morgan stanley one, all the money was refunded, no questions, no problems. I felt so sorry for that pensioner, why the bank can not refund her money is beyond me

The big difference being DH had his card cloned and used with a valid PIN. (This is happening all over the country). The cloned card and PIN were I presume used to withdraw cash at an ATM. The genuine card never left his possession.

I wonder how many crooks, clone their own cards, use the cloned card with their PIN and shout foul. It would seem almost like the perfect crime.

This though is a matter for card issuers - glad I sign.

masonic

impy78 wrote:

Ah, but A&L are holding her responsible for £2k, and when she went to the ombudsman, they found in the bank's favour, as they said because a pin had been used she was negligent. Which does seem to contradict the code that you have linked to.

What MPH80 quoted only applies to credit transactions. Since in this case fraudsters used a debit card to empty this persons balance from her bank account, those guidelines do not apply.

MPH80

masonic wrote:

What MPH80 quoted only applies to credit transactions. Since in this case fraudsters used a debit card to empty this persons balance from her bank account, those guidelines do not apply.

Precisely.

If you use a debit card without an overdraft and your account is emptied - the consumer credit act 1974 does not apply because the card was not used as a credit token (which is the key phrase).

However, if your account does have an overdraft and you are taken into it by the fraud - then the CCA 1974 seems to apply. IANAL - but the publication from the FO makes it very clear that the CCA 1974 limits the liability of the consumer to £50 even if they have been negligent.

For more information - there is a scanned version of the original act here:

http://www.fisa.co.uk/downloads/CCA%201974.pdf

See section 84.

M.

James

MPH80 - If you don't want to have to battle with your bank (as described in Watchdog and various cases on this forum) - you may like to continue to sign by means of a Chip & Signature Card.

someone

Deleted_User wrote:

In the shop where I work it is company policy not to accept signatures anymore for card payments - PIN only.

VISA/MasterCard can therefor revoke the shops ability to take there cards

James

The Card Industries Official Response to WATCHDOG.

Click here

Tell it to the Marines!!!

Tootsie_Roll

Please see my responses to James in this post as I'm fed up repeating myself all the time !

http://forums.moneysavingexpert.com/showthread.html?t=369229

thanks

Altarf

impy78 wrote:

But if it is a chip and signature card, you wouldn't know until it had been put through epos, and it printed off a receipt.

Deleted_User wrote:

Yes, then I will have to press F3 on the till to decline signature, explain to the customer that it is company policy not to accept signatures anymore and void the transaction if they have no other way to pay.

A quick way to get sued under the Disability Discrimination Act. I hope your employer has deep pockets.

All my cards are C&S and I have only ever had them refused once (in Game). I emailed their Head Office and the store manager was 'retrained'.

impy78

MPH80 wrote:

Precisely.

If you use a debit card without an overdraft and your account is emptied - the consumer credit act 1974 does not apply because the card was not used as a credit token (which is the key phrase).

However, if your account does have an overdraft and you are taken into it by the fraud - then the CCA 1974 seems to apply. IANAL - but the publication from the FO makes it very clear that the CCA 1974 limits the liability of the consumer to £50 even if they have been negligent.

For more information - there is a scanned version of the original act here:

http://www.fisa.co.uk/downloads/CCA%201974.pdf

See section 84.
M.

I appreciate you explaining to me...but to me, and probably for a lot of other people, that seems very complicated and difficult to understand - why can they not just protect us when our money has been nicked????