From: Mark 
Newsgroups: uk.finance uk.legal
Subject: Re: Credit Cards/Chip and Pin/ATM withdrawls
Date: Thu, 15 Dec 2005 15:21:02 +0000

On Wed, 14 Dec 2005 15:15:41 +0000, Alex Heney 
wrote:

>On Wed, 14 Dec 2005 14:48:09 +0000, Mark  wrote:
>
>>I would imagine that most banks would assume you are negligent until
>>you somehow satisfy them that is not.  It would mean less work for
>>them.  It took my friend several months of hassle to get his money
>>refunded when this happened to him.
>>
>
>Any that do that are breaching the Banking code.
>
>That says that they have to show that you were negligent. They can't
>just assume it.

Many organisations break the rules.  It can take a lot of time and
hassle to sort out.  I once had a dispute with a building
society over a mortgage.  I won in the end, but it took six years (on
and off). As it was only over a (relatively) small amount of money
many people would not bother.  That's how these people get away with
it!  The more people that cave in the more it reinforces their policy.

How many times have you been into a shop to request a refund on a
faulty item to be told something like "We don't give refunds if you
have used the item"?  The shop assistant often appears to believe it
too!

Mark