Apparently you are not liable in cases of 'card not present fraud' including unauthorised transactions that are made over the phone, using the internet and through mail order companies.
This is the most common form of card fraud (under the category of identity theft) and requires the criminals to obtain the card's details but not the card itself, nor the PIN number.
(Got that from an advisory website)
Old sayings with a theme 2 ( continuing *nanna8*'s thread)
apple trees not flowering this year. Anyone else?