See this at: forums.moneysavingex...| Added on 02/24/07

The key points here are that when your card is used to issue credit - either through the form of a credit card or a debit card accessing your overdraft - you are covered under section 84 of the Consumer Credit Act which makes no mention of increased... See more

The key points here are that when your card is used to issue credit - either through the form of a credit card or a debit card accessing your overdraft - you are covered under section 84 of the Consumer Credit Act which makes no mention of increased liability due to negligence. It is also important to note that under the banking code - the wording was changed from 'grossly negligent' to 'without reasonable care' with regard the level of responsibility the person had to take over their pin. The change in wording was not intended to change the level of neligence, merely to make the wording more accessable. However, some providers are taking it this way and the financial ombudsman is trying to get this changed back or to a more suitable wording. The appropriate section of the act is detailed below: http://www.johnantell.co.uk/CCA1974.htm See less