Your rights if you’ve been defrauded
The worst thing when you’ve realised someone’s pinched your card or your details is not knowing what to do or who can help you – panic sets in and it’s easy to get in a muddle. But the one good thing about credit card fraud, is that you’re protected by the credit card provider.
So long as you weren’t involved in the fraud and you didn’t act negligently (such as posted a photo of your new credit card on social media along with card numbers – before you start sniggering, it has been done) then you should get a full refund. The most you might have to pay is £50, although most credit card companies would waive this.
The first thing you need to do if you notice any dodgy activity on your statement or if you’ve had your card stolen, is to contact your bank or card issuer. They’ll be able to cancel the card to prevent any further use; they’ll also be able to advise what to do next and re-issue you with a new card with new details. You should also report it to the national fraud and cybercrime centre, Action Fraud.