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anyone with experience of santander credit card fraud?

Last week I was called by santander as my zero credit card was in arrears, unfortunately someone seems to have gained access to my card and run up a 3800 quid spend.

One transaction was with Western union but the other three were between a couple of online gambling sites. The investigation seemed to be going well and I was told I should receive a decision within a day. This was last Tuesday. T

I was then told on Friday that they are still waiting on one merchant to rely but it would definitely be referred to senior management because of the amount.

As I have never lent my card out , barely use it, and keep in a safe place at home I certainly haven't acted negligently. My question really is whether anyone has experience with being told they are liable and whether they have had to go through the ombudsmen etc.

If I was the bank I would be suspicious. The slightly worrying thing is I had accounts at both the gambling sites. These were opened back in 2008. In fact it would be surprising if I didn't have any account at a gambling site as I used to open a few for their art one time profitable bonuses . To them it must seem a bit of a coincidence, and I have tried explaining why our shouldn't be viewed as such.

Pretty sure the card details were taken by our ex cleaners. Anyhow if anybody as some reassuring words I would certainly be grateful.
No Unapproved or Personal links in signatures please - FT3
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