Amazon 7 x fraudulent charges. natwest can't refund money...

Hey_Jude

Hi Everyone,

I'm having a similar problem - someone hacked my Amazon account in early April and bought 31 items at £17.01 and one item at £8.50 = £535.81 fraudulent transactions. The transactions took place on Amazon.de, which i've never used and were in Euros, which i've also never used on Amazon.

I was out of the country at the time but Amazon noticed the outgoing one after another on the same day and, due to suspected fraud, suspended the account.

HSBC (my bank) contacted me to say that they also believed someone had fraudulently access my account and to contact them. They refunded the money and said they would investigate the matter and contact me in due course. They did not state that there would be a limited time for me to respond when they contacted me.

I have just returned home from working away to find a letter from HSBC stating only that 27 payments of 17.01 have gone out of my account (even though they have already refunded 31 x £17.01 + 1 x £8.50) and enclosing Amazon's response, which does not state whether or not Amazon agree to take responsibility and is very unclear.

The letter also asks me to respond within 7 days OR THEY WILL DEBIT THE MONEY FROM MY ACCOUNT!

Does anyone know:

Can they legally only give me 7 days to respond as i was unable to respond as i was not at home to receive the letter? (it's been more than 7 days and the money hasn't gone out yet)

As both Amazon and HSBC contacted me regarding suspected fraud, surely they would agree that it's not me who spent the money? I have also spoken to HSBC via telephone multiple times to explain that the transactions were fraudulent.

I've found the experience very distressing and to come home today to a letter telling me my account will be debited over £500 without contacting me via phone / email i find unacceptable. If anyone can help me in terms of where i stand with this i would really appreciate it.