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    The chip and PIN system became universal on Valentine's Day 2006, replacing the use of signatures to authorise purchases.At the time banks said the introduction of the PIN system would reduce card fraud because even if a card was stolen it could not be used by a thief who did not know the number.

    Professor Ross Anderson, from the Cambridge University Computer Lab, has uncovered a number of ways in which the system can be beaten.SUPPLY OF GOODS & SERVICES ACT 1982 This aims to protect consumers against bad workmanship, the poor provision of services and goods not being fit for purpose.Money Claim Online is an option where the seller’s address is in England or Wales. FURNITURE OMBUDSMAN There is a Furniture Ombudsman see call 08.The bank may see the money goes back into its customer’s account and then dispute the transaction on their behalf.If the company at the receiving end of such a chargeback is able to stand up their case, the customer’s account will be re-debited. Otherwise the bank may tussle with the acquiring bank before reimbursing its customer.

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