Jeez - enough moaning - yes it was a bit inconvenient for you but they are giving you the money back - it is HSBC that has lost - not you! Turns out that ultimately they didn't hand out 'your' money but theirs. HSBC didn't 'lose' your card either - you did. These things happen - there's lots of crooks out there - hopefully they won't bother you again, but if you let them get to your card it may happen again some time. Count yourself lucky and be more careful with your card next time. Don't get me wrong, I'm sorry it happened to you - I just think blaming everyone else and moaning even after you get your money back, is a bit pointless. p.s. change banks if you like, but good luck finding one any better.