I queried my MP recently about the protection we have under the banking rules for purchases we make on the internet.
I have, after a couple of months, got a reply.
It seems that consumers today have a lot of protection when making purchases on line, under new new regulatory requirements, from 1 Nov 2009, that require the FSA to monitor and control things.
The new requirements provide that if you deny you ever authorised a purchase, even using chip and pin and on line banking, this is not sufficient proof that you authorised payment or acted fraudulently or failed to fulfil and security requirements. So these issues are not incontestable proof of authorisation.
Very good. We now have a more protection against being accused of buying something only on the basis of evidence of the use of our smartcards.
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