Help! Bank Fraud

[Terry101]

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?

[dx100uk]

this should have been dealt with by the fraud dept and refunded immediately

 

then they investigate

 

sounds like the card got stolen in the post?

 

dx