Yep, I spoke to Credit Card company and they stated as I authorised payments for the oyster card on the transport for london website then they can not cover the costs for a lost and stolen oyster card and that I should write to transport for london. Worth noting they did say transport for london do not follow the highest levels of credit card security as the banks and credit cards company advise their clients (I do not know the specifics of this and even so it might not be relevant). If for e.g TFL scanned the oyster card of the thief (like they do on trains) to see who it was registered to (even if not practical on the tube) this would have indicated someone else was using it. I guess what I am getting at is TFL ultimately responsible for my loss and if so do I have a claim? Or is it a credit card claim and if so how?
This is the problem, I did see payements on the credit card, however, I thought they were payments for the oyster I was using on a day to day basis as the TFL website allows you to register multiple cards for autotopup. Therefore I did not release until 6 months later when adding up the payments in fact it could not be from my travel alone and at that point investigated and got TFL to cancel the stolen card.
Is there not an onus on TFL to ensure the owner of the card is the person using it. for e.g after I cancelled the card I am sure the thief tried to use it at this point it would have been blocked. I would have expected the TFL staff at this point to have done something to identify the person, then at-least I could go after the person using the card. Without TFL doing this I have no chance in that. Ultimately something was bought on credit card using my credit card, I received no good or service in return and what it seems I have to bare the cost of this? Is there nothing you can think of even if a small chance I can do?
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