I was a victim of fraud, as soon as an unrecognised transaction was made from my account, my bank messaged me straight away. They simply sent me an automated message asking if I had made this transaction, and I had to reply a YES or NO. When I replied NO, they told me to ring them ASAP. I rang them and got through within 5minutes after on hold, I was patched through to a lovely Irish lady who was so very understanding and helpful. After a few security questions, she reported the fraud and cancelled my card for me. She was then frequently apologetic and told me they would refund me the money within 2-3 working days. Not even an hour gone by, I get a notification on my online banking. They had already refunded me! Also as the transaction had taken me into my overdraft, they also refunded me this money too. Honestly, so happy with my experience. I wish I could remember the women’s name, just to thank her again!