
My card was used fraudulently to obtain foreign currency, I contacted the bank who passed it onto their fraud department they investigated and my money was refunded in full within a week. They said that anyone who had access to the card number could of passed on or used the card fraudulently and didn't seem particularly bothered about catching the culprits even though I informed them that the card had only been used 3 to 4 times over the previous 6 months.
It's annoying but I would be optimistic that a full refund will be issued.