Hi All, I strongly believe I am a victim of fraud and I have been cheated, and HSBC is doing nothing to help me. Chrono of events: Jan 13 - Placed order for one (1) iPad Air – Space Grey 32GB WIFI & Cellular, Paid £406.91, via VISA Debit card on HSBC website. Jan 27 - Cancelled order due to non delivery of the Ipad. Jan 30 - Refund was to be issued within 24 hours. Feb 12- Still no refund. Company said refund being processed. Feb 18 - Received Email notification that Company has ceased to trade Feb 19, 20, 21, 24, 25, 27, 28 and Mar 3rd - Company has been informing me that funds have been released to them, my refund has been 'processed' and I should receive confirmation. Repeated empty promises after empty promises - but I have yet to receive anything until today. I called HSBC and they said because I had authorised the payment as a BILL PAYMENT on HSBC website, they will NOT issue a refund to me, and there is NOTHING they can do. I have complained to the FOS and lodged a complain with Action Fraud. I am running out of ideas. Please Help??? I really feel exasperated. I can't get a refund from this Company, and nor can I get a refund from my Bank. I am left empty pocket

Barclays is selling most of its ATMs as it prefers to focus on more profitable activities like manipulating LIBOR. I used one in Gibraltar which I was told belonged to Barclays. It debited my account for the sterkling equivalent of 800 euros. But it dispensed no cash I would not have risked so much if I had niot thought that it belonged to Barclays. Actually it ias owned by Raphael`s Bank, a London bank which specialises in foreign exchange. I went to Barclays branch in Gibraltar to complain. They tried to send me away but I said that i was a Barclays customer and had used a Barclays Debit Card. After two hours on the phone, they faxed a claim form which I filled out. I spent another 2 hours at their branch in Faro, Portugal trying to expedite matters. Nothing happenned for 60 days. When I got home I found a letter asking for more information and saying my case would be dropped if I had not replied within 7 days. This was obviously impossible as they should have known since they had my fax from Gibraltar on file . After more complaints I received a fraud form from my Branch which asked me to sign away my legal rights, if nio spare cash was found in the ATM. I refused to sign it. I phoned Raphael`s who told me that they still had the cash but that Barclays had not contacted them. Barclays told me that it was too late to contact Raphael after 60 days. I wrotwe to the new CEO, who claimed that he had not received the letter. I was told that the bank had written back biut that certainly never arrived. The matter was only resolved, without any additional compensation for my worry, loss of holiday and so on after I went to the Press I personally am of the opinion that Barclays has a deliberate policy of trying to fob off ATM incidents, whether in its own or other bank`s machines. This includes the use of dubious fob-off letters. The only answer is to go into the Branch and lengthen the queues. I have already cut up my Barclaycard because of their excessive charges.