Those who have been watching the Bill can contest that there is still plenty of debate yet to come as Stage 2 is yet to be passed, but regardless of the feelings on both sides, it is still worth taking note of what prompted the consumer group to ask the OFT to consider if Scotland’s legal services market is competitive enough.

Some consumers feel that the business structure of lawyers is to restricting to them without offering much choice or innovation.  There are a few lawyers that would embrace more flexibility in their work styles and the chance to offer services in a new manner.

On the other hand, some people feel that the bill was created with big business in mind, but that idea is surrounded by misdirection and misunderstanding of the new legislation.  A proper understanding of the bill will show that it is focused on the public and modernizing the way lawyer services is offered.

It also provides a way for legal services to be offered up to the public along other services that they may need and at times by other providers who may be offer different but more unique expertise tailored to their needs.  The criticism however lies in the Stage 2 part of the bill, which will define that those services are, who will provide them, and what exactly the public demand is.

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Consumer group Which? has now joined the experts in demanding an investigation into the supposed flaw to protect millions of consumers from facing fraud and identity theft.

Senior researcher at Which? Money, Cathy Neal, stated that they want banks to study these flaws because there are enough examples in which a bank claims that a pin number was used to complete a purchase but the customer has claimed that they did not use it.

Neal continued to say that banks say that if the chip and pin system is used then a customer must have used their pin, but according to the Cambridge experts this is not always the case.  She stated that this shows that the system may not be flawed completely, but at some level it is not foolproof.

In a recent survey completed by Which? about 13% of people have had money taken from a credit card and another 14% stated that money has been taken straight from their bank account.

Out of those people, about half did not get reimbursed from the bank although they were insistent that the withdrawal was disputed.

Computer expert Professor Ross Anderson claimed that there is a way to get around security systems that use chip and pin in order to use a card, which makes the system no longer trustworthy on the whole.

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