Thank you for all your comments. I've sent off the form enclosed with their letter and tomorrow I'm going to the police station to log the theft. I was going to wait and see what happens with the form but instead I'm going to write a letter and take it to my local branch where the staff at pretty friendly.

Thank you. I'll do that. I wondered if it's not too late to tell the police but if it's widespread, then I better had!

I had £350 paid into my current account. I withdrew £200 on saturday morning from a BP Petrol Station Nationwide ATM. On Sunday afternoon I had 0.26p in my account. I phone Nationwide immediately and they told me it sounds like my card had been cloned; I should go to my local branch and hand in my now useless card; I should fill in an Unauthorised Transaction form. All of which I did, the staff told me that cloning is very common nowadays. Two weeks later, I received a letter from Nationwide, headed "Disputed ATM Withdrawals" which states: "I have now completed my investigations into your recent claim. I regret to inform you that your claim has been declined because you advised that your card was in your possession the PIN was keyed to undertake the withdrawal(s) She attached details of my "disputed" transactions - all transactions which include withdrawals, mini-statements and balance enquiries in a place in London where I have NEVER been, never mind that my account will show that my withdrawals are consistent and have taken place at the most convenient ATMs to where I live. I have also NEVER requested a mini-statement at an ATM - at all. There were 23 transactions altogether which, I believe, show clearly that it was nothing to do with me. The letter went on to advise that I should change my card (already done and new one already received) and change my PIN (already done and new one already received). I am allowed 14 days in which to appeal. I believe this is a standard letter to put people off reclaiming. After all, it's £150 not £15,000 but it's MY £150! By the way, I tried to log the theft with the police but didn't get very far because a) nobody picked up the phone and b) nobody called me after I left a message on their answerphone. Upshot is, I don't have a crime reference number. Before I cut my throat by writing a stinging and angry letter to this bloody woman, can anyone advise me on the best course of action? Many thanks, M