[squirrel_hunter]

First thing is to cancel the card.

Next write back saying that you are unsatisfied with their response and request that it is looked at again. I take it that you have the times of the transactions, if so find out the travel time from Hammersmith to Ghana chances are it won't be possible to do without some serious help from a particular Dr.

This looks like a standard letter that is sent by the bank every time there is a fraud 'investigation' they will look up that the PIN was used and thats it. But if you kick up enough fuss it should normally get resolved correctly.

I do have to take issue with their claim that the Chip cannot be cloned. Unfortunately it can. Chances are though it has been skimmed at an ATM, hence the swipes and ATM usage of the fraud.