Tris

Yes -twisting git in the local petrol station was scanning them under the counter. They got cards ffrom two differnt accounts

Ours were all done in Thailand where you don't need a pin no. Is Ghana the same?

However, both banks paid up in full and had already suspended the account beore we even knew there was a problem.

Can your sister prove wher she was at the time the transactions were being made? Might help beat the bank into submission.

Good Luck