<prompt> Human: Hi all,Recently I went on a trip to Europe and Africa and used a VISA debit card to withdraw money from ATMs in the various countries I visited. After departing Europe I transferred my remaining Euros into Ugandan shillings, as I was to spend 5 weeks in Uganda. The money I had transferred lasted almost the length of my stay, so I had no need to withdraw money or use my card until the last week. I went to an ATM and tried to access my money, but found I couldnt withdraw anything. A quick balance inquiry showed that my account was overdrawn and three cash withdrawals had been made in Thailand, a country I have never stepped foot in.I still had a small amount of cash on me so had to make that last a few days until I returned home to Australia to sort out the issue with my bank.Upon returning home they informed me that Id have to fill out a form to dispute the transactions with Visa and today I received news that there is nothing that can be done, as these are card present and PIN verified ATM transactions. They do not have any dispute rights as per Visa International Operating Regulations. The email then explained that my card had been unsecured for over a year and that I had declined to cancel my card in 2014 as per their recommendation. As such they wont be taking any further action.Now, as far as I can recall, I received a call from them in August last year regarding a payment I had made online from an overseas store. I confirmed with them that I had in fact made that purchase and that it wasnt fraudulent and I needed it to go through as I wanted the products I was purchasing. I think it is at this point that they have deemed my card unsecure, and because I told them I wanted the transaction to go through, I have lost all rights to claim back fraudulent charges.I have called the bank and asked for clarification on the issue and they said I agreed that my card was unsecured and that I had accepted that I had no recourse for future fraudulent transactions since august 2014.They mentioned that one of my transactions had been intercepted I believe this was the one I confirmed with them as legitimate, but they are unable to tell me which one it was and that at that point it was possible someone accessed my card details.Now, they are saying the withdrawals in thailand were card present and PIN approved. What I dont understand is, even if my card details were accessed by someone intercepting my online transaction, how could they get my Pin number? I am not able to find any records in my statements of my card being placed on hold I think the lady on the phone mentioned warn hold?, nor any notifications reminding me that my card was no longer secure. I am disappointed in the bank for this, I would have thought they would remind their customers if their cards were unsecured, rather than leave it that way for 14 months.Is there any course of action I can take with this? I can prove I was not in Thailand when the transactions occurred and that Ive never been to Thailand before, but it seems I dont have any recourse with VISA nor the bank at the moment.Any help is much appreciated. Its not a lot of money as I keep most of my money in a linked savings account, but its enough to warrant chasing after it. Assistant: I used to work for a credit union and we had a huge problem with skimming devices and fraudulent PIN withdrawals. We always refunded. This is something you will want to take up with your bank. My credit union refunded these out of pocket. It sounds like there may have been a miscommunication. To a bank, if you told them your card was not secured, it sounds like an admission that you did not do due diligence in keeping it safe, but this is not the case. A transaction that was flagged as potential fraud but not actually fraud does not mean you have no recourse on any transaction in the future but on that specific transaction. Definitely call and speak with a manager. Human: Yes, I think the confusion has started from that call in 2014. I thought the call was regarding the transaction I had just made, but perhaps it was referring to something else. In any case, even if I did agree to be liable to all future charges made on the card at that time August 2014, it would have been nice, and I think expected, for the bank to make at least some effort over the next year to remind me my card was not secure and that I was currently liable for all charges made on the card.  <response>: ...I was currently liable for all charges made on the card.Youre only liable if your bank can prove youre the one who made the relevant charges to your card. You obviously werent physically present, and nor was your card. If the scammers managed to dummy up a physical card which could pass as the real thing, magnetic strip and password included, this is still a clear instance of fraudulent use of your credit card details. The liability for fraudulent transactions lies on the credit providers shoulders. If they cant prove you legitimately authorised any given transaction, the cost of such defaults in your favour. Do not accept any guff about this somehow being your problem and your loss to wear - it isnt, provided what youve described is correct.I am commenting on this matter as an Australian, an ex Victorian law student, and an ex accountscollections employee at a company which regularly contested credit card and direct debit charge-backs from its customers banksfinancial institutions.Relevant primary legislation: National Consumer Credit Protection Act 2009 