Hello I recently had fraud commited on my bank account(HBOS) i reported it immediatly about two days after. I didn't report it sooner as I didn't check my bank account sooner because i already had cash. I phoned them and reported £200 had been removed from my account fraudulantly. They then tracked where the payment had been taken etc. After a couple of hours they phone me back and gave me the information. On Thursday I went in to my branch and asked for a new card because mine was rather scruffy and couldn't make out the last 3 digits anymore ok they said its been ordered. On Monday morning I checked my bank account £200 missing asked my mrs "did you take any money out my account" her thinking I ment a tenner said no. I told her £200 has gone after talking to the bank etc they said my new card was the one that took it out huh I thought how is that possible i aint got it yet they took a few more details and then they phoned me back stating "we will not refund the money because it was your card and pin that was used" i went to the police they have investigate but there was no CCTV or such at the site were it happened. I sent a letter of complaint to the bank in question and the FOS says they have 8 weeks to respond and then they can get involved. they now have 3 weeks left what i was wondering is do i have a chance of getting the money back? any help greatly appreciated also i read that a european law means that they have to prove it was me or they have to refund me immediatly is this true and will they also refund the £30 bank charges i incurred as a direct result of becoming overdrawn?