Chip and PIN

[Ian Batten]

On 25 Jan 08, at 1811, Roland Perry wrote:

> In article <479A08A4.4040200@callnetuk.com>, PeteM  
> <otcbn@callnetuk.com> writes
>> I certainly believed that the elderly man on the Y&Y programne was  
>> defrauded, it is almost inconceivable that he would do what he did  
>> if he really was guilty.
>
> More information would be still be useful, though. Like where did  
> the transactions take place and is there really no CCTV evidence at  
> any of them, and does that rule him out in person yet still leave  
> the possibility he 'lent' his card and PIN to someone, and is now  
> denying it.


To take a case a colleague described last year:

Elderly person gives card and PIN details to helpful neighbour,  
helpful neighbour's son finds out and spends some money on it (a  
phone, if memory serves).  Daughter of elderly person sees entry from  
electronics store statement, and asks what had happened.  Parent, not  
wanting to admit to admit they'd been a bit naive, denies all  
knowledge and daughter writes to the bank.   Bank refuses to refund  
the money.  What do you think happened next?  What do you think  
_should_ happen next?

As it happens, the parent could see that this didn't end well,  
admitted they'd been a bit silly and the daughter challenged the  
neighbour.   I forget the rest of the saga, and it's not germane  
anyway.  But suppose the parent hadn't backed down?  Didn't link the  
nice neighbour with the mysterious entry?  It isn't fraud, as such,  
but it sure as hell isn't the bank's responsibility either.

ian