"Banks usually reimburse fraud victims, unless the customer acted fraudulently 
or without "reasonable care".

But some banks are now turning down claims, saying customers must have left a 
copy of the Pin with their card.

The banking industry says Chip and Pin is secure and each dispute is judged on 
its own merits.

Richard Elphick, a chartered surveyor, told Radio 4's Money Box he had his 
wallet stolen while he was eating outside a central London restaurant in July.

Although he cancelled his cards within the hour, the thief still had time to 
withdraw £100 cash from an ATM using his Natwest credit card,
and make other purchases and withdrawals using his Natwest debit card. In total 
the fraud came to £2,300."

But you have to read further at
http://news.bbc.co.uk/2/hi/business/8287783.stm
 
Juha-Matti

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