These are the same banks that denied phantom ATM withdrawals were possible and prosecuted people who reported losses for bank fraud. Within days of introducing chip+pin (where you enter your atm PIN at the checkout to use the debit card) it was discovered that pin readers at all Shell gas stations, and a couple of major supermarkets had been compromised and were logging all the card details and pin of your ATM card.

The T+C of the card claims that since you must have revealed your PIN to somebody it's your liability. Until there was a massive public outcry.