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Have you commenced court proceedings against the bank. If not do so.
What is the factual basis for you holding the bank liable for your loss?
You don't say why you think the bank is at fault.
Let me have a look at the bank's terms and conditions. I'll come back to you.
What is the wording of your letter in relation to fraud? I can't find anything online about this.
You said: "The bank states in it's letter accompanying my debit card which was used in this fraud, that I am covered for fraud." I want to know exactly what the wording of this is.
Let me have the exact wording please.
I have been trying to establish the contract between you and the bank as regards ***** ***** where a fraud like this occurs. You have been unable to help me with this. So on the assumption that the bank does have a contractual duty to make good any loss suffered by you because of a third party fraud attack, you can sue the bank for the amount they are refusing to refund to you. Alternatively you can complain to the financial services ombudsman. Those are your options. In the absence of further information that is all I can tell you.