Davey wrote:

Andy Burns wrote:

http://www.legislation.gov.uk/uksi/2.../contents/made

That guy Dom on Fake Britain

is such a tosser, I wouldn't believe a word he says

discussed this recently, and showed
that there are numerous cases where the bank says that 'you must have
given your PIN to somebody else', even though the card stayed with the
account holder, and was not used. The Bank is now prosecutor, judge and
jury.

After chip-n-pin was introduced, the banks started 'deciding' that if a
correct PIN had been entered, the customer was liable by default.

The 2009 legislation was brought in partly to reverse that situation.