Dear Klock Thank you for your email. I am sorry you too have been a victim. Although Santander knocked me back I logged the crime with the local police. They said if it was not resolved it would formally be made a crime but if resolved it would be dismissed. Thankfully Santander took notice of my crime number and suddenly admitted my card had been used at a rigged machine in London the year before. Prior to this I was guilty in their opinion. It was a long time before I noticed the withdrawals had happened so I lost more money than I originally thought .This was due to my own fault as I should ahve been more vigilant. Santander have no right to say they would have taken all the money out of your account. It happend to me on 4 occasions . They took small amounts each time and then as more money went in they took another amount out. This happend in London, Newark and 2 other places. I know it sounds stupid but my main bank was Halifax and I only used Santander for dividends from Santander. I got statements 4 times a year and did not take any notice of them. I know better now than to trust any bank. Once I got some money back from Santander I closed the account. The cashier told me that the machine inside the bank had been tampered with! I change my password frequenly now and try not to use cash machines. Money back at the supermarket is the best option. I will not be banking with Santander in future. Final message to anyone reading this. If you have not yet had your card cloned, believe me it will happen. God luck.

Thanks for your reply. It was a cashpoint card so presumably they expect me to deposit lots of money so anyone else can take it out. Another bank is getting my money now. I have logged the fraud with the crime cente managment via the police. I think people need to be very carelul as it is not a simple matter of applying for and getting your money back. (Some banks etc. however have responded well to such frauds recently.) No ATM can be seen to be secure no matter how careful you are. Also the Bank has mispelt my name and address (twice). Makes me feel very valued as a customer. I think my Santander shares will be sold soon!

Beware of Santander and card fraud. My card was cloned but the bank will not accept this. It was used in London 3 times in a short time whilst I was in the North of England where I live. The account was checked twice and then money withdrawn at a different site a few minutes later. As the card number was correct and also the PIN they say I have given my card and number to someone. I have not done this and would never do this. The card has been permanently cancelled by me and the account will now be closed.