Saturday, September 26, 2009

America and the Royal Bank of Scotland

3 aspies in the Scottish scene, to my knowledge alone, have made recent or present visits to the United States. Others are more daunted by the fraught and risky pospect of that country's arbitrary and chancy entry barriers, which are on edge against any imperfection in foreign visitors, disabilities included, though this is never discussed in our media. It would very obviously be an injustice in the scene, if supportive chats and swapping of experiences should just accept easier US access for some than others. That the ups and downs of social experiences located in the US, for some, should be shared and receive support while not all are confident they would have access to that country at all. As a point of disability discrimination, such arbitrary difference between the accessibility of the same experience to folks with the same condition shouldn't be possible.

Now, more than just another protest that the big autism organisations will ignore as they always do with all ordinary aspies' issues. There is something timely to do about this one. While others have been having adventures in the US, I have had one concerning the US. Consider this. Read 3 paragraphs about a banking problem here at home, then see how it impacts on US travel. I have been writing the following to all the constitutional reform campaigns and others like Jubilee Debt.

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The Royal Bank of Scotland, among the biggest players in the banking crash, has rejected doing a clear ethical duty for its customers against a blatant violation of a basic democratic principle: innocent until proved guilty. RBS is supposed to be getting cleaned up and showing us all so to rebuild confidence. Instead, there is now a reform to be forced in the West's basic standards towards its citizens by exposing that our second biggest bank is still offending.

There is now a security system around bank cards, that has never been publicly announced, in which your card can be blocked without warning while they check up on any activity that fits a profiling system's view of being suspicious. If you find your card blocked when you use it in a shop, you have to answer confusing security questions to RBS over the phone, which will take time, so unwarned you may suddenly face a choice between losing your card or missing transport and not reaching your next destination - on time or at all. It happened to me after I used my card to pay 50p for a coach seat reservation, because that is an unusually small transaction and card fraudsters often test systems with "dummy transactions" of this size. Okay if they explain this to folks, but I made a complaint about all the life situations I could think of where unfair effects can be caused if this can happen without warning and you don't know how to prevent it.

Anything at all that counts as "unusual", even just for you personally, can trigger a security block, so if you can think of anything unusual you intend to do with your card you are now advised to inform the bank first. This you only learn after having your first experience of a problem. Foreign travel is always one of the "unusual" items that you should notify.

Now - pair this with how this security includes profiling that makes assumptions about the customer, which means, about their character, and RBS itself says it does not know all the details of how the system it is using makes its assumptions! Apply this to travel to the United States. The Western superpower's immigration control system is in massive violation of the basic human rights standards the West says it stands for. It asks foreign visitors, as one question, "Have you ever been arrested or convicted" for any crime. It requires innocent people who have been arrested to declare the details just like a criminal record, it does not treat them as spotlessly innocent, burt as carrying a likelihood to be guilty that the US will pass its own opinion on regardless of the person not being found guilty in court. They may never even have gone to court.

The US has not signed up to the International Convention on Civil + Political Rights, but on any reckoning of international law and the standards that coutnries with uncorrupted law must show to each other's citizens, the US's entry control system is illegal. My complaint about the bank card problem gave RBS, which does business in the US too, an opportunity to lay claim to have the US's system abolished! because it is causing card security here in Britain to be undermined by an illegal human rights violation affecting customers here. This follows because if an RBS customer plans a visit to the US, known to the bank, then is refused entry on grounds of character tarring by an arrest, and by any other event the card security system discovers that the customer is not in the US when they should be, it can make assumptions about what has happened and about the customer's character. This is clearly a violation of the customer, on the human rights count of judicial propriety and on data protection. So RBS commits such a violation, upon its cardholders here in Britain, by leaving it possible for this to happen, by refusing to take the formal legal position I described towards the United States and all its business there. By taking this position, RBS could have forced the US to stop operating this outrageous system that most of the Western public are quite unaware of unless they have travelled there.

Now - by speaking out about RBS's failiure, you can force an end to this system. The ethical impact on the working of banks still stands despite RBS's silence on it. Others, reform campaigns, can publicise the fact instead. This is an actual case, an actual bank customer complaint, around actual practices in bank card security. To speak out what RBS should have done is to cite the same illegal violation by the US upon folks here, to make it known to be that - and so to actually force its abolition. All cooperation of law and police and business between the US and here will now collapse into illegality unless the US's use of a question about arrests is terminated forthwith, abolished not even as a policy shift but specifically as illegal. A major democratic reform, that affects folks' lives and character records here. You [meaning any reform campaign group I write this to] can force it to happen, just by exposing this bank issue. So please do!!

So will they?

Maurice Frank

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