Originally Posted by
Kettering Northants QC
As for new Chip and Pin cards making it the card holder (and not the card issuer) who now gets stuck with the problem if fraud occurs - this is nonsense. Mrs Northants JP recently had someone get her credit card details and purchase various items, she was merely asked to confirm that she had not given anyone permission to use her card and had not given the pin number to anyone. Chip and Pin similarly does not stop misuse over the internet / phone.
Despite your anecdote, the shift of extra liability to the consumer is well-documented. See, for example,
http://www.chipandspin.co.uk/problems.html#dispute. The rest of the site is useful information as well.