Originally, bank customers had to prove that they had not been negligent with their PIN before getting redress, but UK regulations in force from 1 November 2009 placed the onus firmly on the banks to prove that a customer has been negligent in any dispute, with the customer given 13 months to make a claim. Murdoch said that "banks should look back at previous transactions where the customer said their PIN had not been used and the bank record showed it has, and consider refunding these customers because it could be they are victim of this type of fraud."