<rant>
My card was cloned at an ATM. The bank, Halifax, were utterly pants. My account was emptied of over £3000 and I informed them! This is the good bit, the transaction were ALL in Poland over a 2 week period and I was in the UK the entire time.
Then a few months later, I went to Europe on business and they stopped my card after 1 day. A few months later, I was in the USA, informed Halifax of my trip, dates etc... and they stopped it after 2 days. And yes, I was in a petrol station in the middle of Arizona, 150 miles from anything. I had to put it on my credit card.
The banks totally suck at this. I gave the Halifax manager both barrels.
I was pretty pissed off.
But, they did refund all the money once I informed them.
Oh, and the same thing, pretty much, word for word, happened to my girlfriend too. We used the same ATM.
</rant>