Hi there, I am seeking some legal advice.
On 5th of October, my VISA credit card got stolen and the person who stole it most likely saw my pin code while I was withdrawing some cash myself.
A few minutes later, they withdrew a total of HKD79,000 and attempted to make some transactions, one of them went through for an amount of HKD26,998.
I reported the loss of my card to HSBC a few hours later when I realised I did not have it anymore. I also reported this case to the Police.
HSBC does not want to reimburse the money that was stolen from me and wrote me this:
"According to clauses 7 (b) in the ATM Card Terms and Conditions (ACT&C) governing the use of an ATM card or PIN, we are not liable to customers or any other person for any consequential or indirect loss arising from or in connection with the use of their ATM card."
Is there anything that can be done to get the bank to reimburse the money? CCTV cameras can show I was not the one to withdraw the money and I had never withdrawn such amount (divided into 5 withdrawals).
Any advice would be deeply appreciated.