FOS remit excludes complaint handling

DullGreyGuy

Andy_L said:

DullGreyGuy said:

Manxman_in_exile said:

400ixl said:

...

Not sure how Chip & Sign is supposed to work, or why Chip and Pin does not work for you so can't comment on that.
...

I assume the OP's long term disability combined with major head surgery means that they are unable to use a PIN but can sign a card "receipt" or voucher or whatever they are called.

But if shops and traders no longer have the facilities to accept a signature I'm not sure what the OP does - or if it warrants a complaint about the bank.

Does the bank have a duty to provide to people with a disablity a method with which they can use their account?  I assume there is such a duty, but that it is limited by reasonableness and practicality?

Is it an Equality Act issue?

[Edit:  Like other posters i'm not entirely sure what the substance of the OP's complaint is or was.  Perhaps the OP's disability makes it difficult for them to articulate it]

The bank has provided a facility, its the merchant that has decided to have kit that doesnt support chip and sign. The DDA etc only requires that reasonable adjustments are made and so you are probably in merky territory...  not sure there any mobile based systems like Zettle support chip and sign and have a battery powered printer. Zettle dont support them and even if they did their printer requires mains power which probably wont be available for 60% of market stalls etc.

Personally think a better solution in this day and age for those without the dexterity etc to use a pin pad is the likes of ApplePay and GooglePay etc which are uncapped, unlike contactless, and in my experience at least dont have the "after x contactless payments there must be an insert the card" which is the most common point of failure on contactless. With FaceID or other biometric options I'd imagine most that are capable of independent shopping would be capable of using it. 

All card readers can handle chip & sign - they print out a receipt that the card holder can sign. AIUI the problem is either head office have decided to reject them (which is prob a breach of the DDA) or staff are poorly trained/unused to chip & sign and that they refuse themselves

Afraid not @andy_L, Zettle, SumUp and other solutions dont have a printer as standard so fail at the first hurdle of printing anything out. Having spoken to Zettle in the past, even if you have a printer attached to it it still wont support them.