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* Posts by WailingBanshee

4 publicly visible posts • joined 24 Mar 2016

FFS, Twitter. It's not that hard

WailingBanshee

Getting rid of the trolls?

Nothing wrong with trolling,

however people who don't know what flaming is are bunch of ***;'"£$ ***er^&%$

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Will you get reimbursed if you're a bank fraud victim? Brits think not

WailingBanshee

And a major part of the confusion is deliberate policy

Identity theft - no such thing

Bank fraud, yup - banks get defrauded not their customers.

if the bank hands over any money from your account to someone else then they are 100% liable. If you make easy for someone else to defraud the bank and the bank can prove it, they'll come after you for a share/all of the amount lost.

You are not liable for the bank's mistakes

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Half of people plug in USB drives they find in the parking lot

WailingBanshee

Okay tin hat on, just how many people have actually been pwned by a "found" usb stick? I don't know of anyone and never heard of anyone having a problem - therefore from my and the people I know perspective the risk is tiny. This is important as personal perspective drives our behaviour.

Security advice when it comes to computers is largely concentrated around all the things that "could" happen - I don't see so much information around how many devices have been infected/compromised, mainly I suspect because the reality is that most people couldn't get their PC infected if they tried.

The real risk from an objective viewpoint is probably still tiny - so why not have a look, could be something interesting

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Met police commissioner: Fraud victims should not be refunded by banks

WailingBanshee
Coat

Guys,

When someone gets money off a bank that they are not entitled to, it is the bank that has been defrauded - not the person that was impersonated.

The banks have successfully created an imaginary crime of identity theft - to shift responsibility back to their customers. You could argue that it isn't such a bad thing to do as the weakness in the bank's security is mainly their customers and the trillion and one idiot things they do. But fundamentally it is the bank that is the victim of the crime.

As for this story, the police commish is wrong by trying to imply a Moral Hazard effect of the customer's being immediately reimbursed when the bank suffers a fraud whereas the reality is that the customer's are not being defrauded and the banks are trying to improve their securities by making their customers suffer when they do.

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