I'm with Natwest and have had my switch card cloned twice. The first time I'm convinced was when I used my card at the Texaco garage in Blackheath (now closed down)they managed to spend one thousand five hundred pounds over a weekend (in lots of off licences and restaurants), I had to wait 6 weeks to get this money back. The second time it was for about six hundred pounds...it really annoys me how much inconvience these little tealeafs put me through, various appointments at the bank, phone calls, lack of funds etc...still I'm over it...Happy Easter!