James, I had my card cloned last year, unsuspectantly losing approx 1000 GBP taken out at various ATM's in Holland. I spotted 2 transactions on my online statement, cancelled the card with the bank who then informed me that there were another 4 transactions waiting to be processed. All I had to do was wait a couple of days to ensure all transactions came up on my bill and then write to my bank detailing the fraudulant transactions and they refunded the money straight away. At the time the bank suggested it was probably a petrol station as at the time it was common to for the cashier to swipe the card and get put the card in the Chip'n'pin device hence gettingh you card details and your pin ( from cctv).