debit card without authority of account holder?

Or the spending might have been done somewhere where the pin was not required.

Axel

Presumably he will not liable for it unless he agrees to be liable.

Axel

Who said anything about shouting? Much less at anyone behind the desk.

I do (or rather my daughter does).

When she had her cashpoint card stolen last year, and didn't notice for 15 hours, the scrote who took it had taken £600 from her account (£300 before midnight and another £300 after).

The bank initially said (verbally) she wouldn't be liable for anything, but then their head office started to say it must have been her fault, and she would be liable for it all.

She then printed off the banking code, and included the relevant parts with the letter she sent disputing this with them, and they immediately backed down, and just charged her the £50 that suggests.

This was with Bank of Scotland, last year.

So the experience is that they may try it on, but as soon as they realise the customer has a clue, they will back down.

that wasn't the question (or shouldn't have been) at all.

The question is whether they can say they will assume that authority unless told otherwise.

I believe they can. They have given you sufficient notice to decline it.

I wish people would learn to post URLS so that they *work*.

Like that, it won't cut off at the first comma when double clicked on.

Incidentally, although credit cards are not quite the same as debit cards, that article seems to suggest that sending out even credit cards that way is legal.

That would depend on how the thief claimed to have seen it. And on whether he was believed.

You did. What else did you mean to imply by your use of the terms "customer service desk" and "loud voice"? That you were going to regale the assembled queueing customers with a rendition of "I am the very model of a modern Major-General"?

But he could implicitly so agree, by using it otherwise than in a cash machine. If he never does this, you may well have a point.

No.

I am talking about the banking code I link to above.

All it says regarding advertising is at section 8, and there is nothing there about not sending any to customers who don't want it.

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8 Advertising and marketing 8.1 We will make sure that all advertising and promotional material is clear, fair, reasonable and not misleading. 8.2 We will take care when sending marketing material to you, particularly if it relates to loans or overdrafts, or if you are under 18. 8.3 Unless you specifically give your permission or ask us to, we will not pass your name and address to any company, including other companies in our group, for marketing purposes. We will not ask you to give your permission in return for standard account services. 8.4 We may tell you about another company?s services or products. If you agree, that company may contact you directly. 8.5 When you become a customer, we will give you the opportunity to say that you do not want us to contact you for marketing purposes. At least once every three years, we will remind you that you can do this. 8.6 We will not insist that you buy an insurance product from us when we agree to provide you with a lending product.

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It works perfectly well in my newsreader, get a new newsreader.

Trebor

Quite apart from what Ronald says, I don't think it counts as unsolicited so long as they give you the option to refuse it.

You haven't *got* a newsreader :-)

But more importantly, it isn't just the URL's with commas that cause problems (with most newsreaders), it is also that long URLs will "wrap" without the < >

We'll I've got the same newsreader as Trebor hasn't got, and the link worked OK for me. Perhaps the newsreaders we haven't got are just better at reading certain things than the newsreader you have got.

Something which isn't apparent in this thread when using the newsreaders we haven't got. But I will take what you say on board, and swear never to use that Forte Agent carp.

Indeed, LOL.

Do you know (or suspect ) how they managed to get the PIN?

She suspects it may have been a card skimmer on the machine (this was a few months before they started putting notices on most of the machines warning people about suspicious devices.

But she didn't *know* for sure. She *thought* she was always careful not to be overlooked.

To "not use it" is not the safe option you believe. A great deal of card fraud involves computer generated card numbers. I had one bank Visa debit card (or at least its number) used while that card was in my possession and had only ever been used by me in one ATM of that bank. I only learned of its use when the vigilant bank contacted me to ask whether I was using the card to buy software (mail order databases) for instant download over the Internet. Thank you Wachovia Bank.

Tony

Alex Heney posted

And does this discovery fill you with confidence in the banks' integrity and their desire to do right by their customers?