In many cases I can understand an individual being upset with the reaction of a bank when reporting fraudulent behaviour on their account but you intrigue me. You leave your debit card accessible along with the very infomation that you are reminded time and time again not to leave lying around let alone with the card, you meet a guy who then would appear to have stolen your card along with the conveniently available pin number and you act surprised that the bank is refusing a refund! I have sympathy with your loss of money but can you or no one else here see why they may be less than sympathetic? It is difficult enough when people are subject to fraud on their account and have taken all necessary precautions. I wish you luck but the card and the pin left together...that's not looking good.